Based on research and not influenced
This is based on research, and not influenced. However, we may earn a commission if you buy through links on this site.

Mattress Stores that Accept Acima to Pay Later for up to $4,000

Acima mattress partnering merchants allow you to lease-to-own their products with a flexible monthly payment plan.

We need a mattress to provide support for our bodies while we sleep and it also helps to align our spine and reduce pain.

A good mattress can also help us to sleep more soundly and wake up feeling refreshed but getting a very good one can be costly especially if you have some other things you need funds for.

Fortunately, you can finance almost any brand of mattress when you shop with your Acima credits at any of the retailers that accept it for lease-to-own purchases.

Acima mattress merchants that sell online

Below is the list of online stores where you can buy mattresses and pay with your Acima account:


You can buy any mattress on Amazon using your Acima account when you go through Abunda. To do this, simply get the link to the mattress on Amazon and paste it into the search field on Abunda to finance it.


Dreamcloud is a luxury hybrid mattress made with layers of memory foam and pocketed coils. It is known for its comfort, support, and durability.


Nectar is a mattress brand that sells mattresses online. They offer a variety of mattresses, including memory foam, hybrid, and latex mattresses. They also offer a 100-night sleep trial and a 10-year warranty.


Curacao is an online store that lets you buy mattresses with Acima financing. You can find a variety of mattresses from major brands at competitive prices, and you can finance them without having to pay upfront.


Wayfair is a popular destination for items like appliances, furniture, mattresses, rugs, lamps, mirrors, and more.

Big Sandy Superstore

Big Sandy Superstore has an online portal through which they sell a wide variety of mattresses. They also offer a variety of financing options to help you finance their products.

PC Richard & Son

They offer a wide variety of mattresses, furniture, and home appliances, and they accept Acima financing.

Furniture Connection

Furniture Connection is an online furniture retailer that offers a wide variety of furniture at competitive prices. They also offer financing options, so you can get the furniture you want without having to pay upfront.


MidinMod is an online store that sells modern furniture at affordable prices. They offer a wide variety of styles, including mid-century modern, Scandinavian, and industrial.

AMB furniture and Design

AMB Furniture and Design is a custom furniture company that specializes in creating unique and stylish pieces for the home. They work with clients to create pieces that fit their individual needs and styles.


You may be able to finance mattresses with your Acima leasing account when you shop at the following stores through the Acima app:



Best Buy

Best Buy also sells mattresses. They have a wide selection of mattresses from different brands, including Serta, Sealy, and Tempur-Pedic. They also have a variety of sizes and firmness options to choose from.

Mattress Firm

BBQ Guy is an online retailer of barbecue grills, smokers, and accessories. They offer a wide selection of products from top brands, as well as competitive prices in some other categories like furniture and electronics.


Purple Mattress is a brand of mattresses that uses a proprietary material called Hyper-Elastic Polymer, or Purple Grid, as its top layer. It is known for its cooling and pressure-relieving properties.

Overstock (Bed Bath & Beyond)

Overstock is an online retailer that sells a variety of products, including furniture, home appliances, mattresses, electronics, clothing, and jewelry. It is known for its overstocked inventory and discounted prices.

How to finance products from the Acima mattress partners

Here below are the steps you can use to purchase items from all the Acima mattress partners that have an online presence:

On the payment page, choose Acima as your financing option

After adding the items you want to your cart, proceed to checkout and select Acima as your payment method. The logo will be similar to the one below:

Acima Leasing on Amazon via Abunda

An example of how it will look using the Abunda checkout page that has Acima.


Fill out the form with your personal information

When the Acima form page opens, fill out the form with the required information, including your Social Security number, contact number, and any other information that is requested.

Acima will process your application and determine your eligibility for financing within a few minutes.


Read and understand the terms of the contract before you continue with the order

Once you are approved for Acima financing, you will see a lease agreement that outlines the terms of your repayment, including the amount you will pay on the first day.

The initial payment for a lease can range from $50 to $75, depending on the store where you want to finance mattresses with Acima and the worth of the product you are financing.

After you have carefully reviewed the lease agreement, you can proceed to checkout. This process is the same for all the Acima mattress stores that operate online.


Here are some things to keep in mind when buying a mattress at any of the stores that offer Acima financing:

If you have chosen an Acima mattress shop from the list of online retailers, here are some points to note before continuing with the contract:

Acima provides lease-to-own financing for products

Acima is a lease-to-own company, which means you will pay more for the products than if you paid for them in full.

This is because Acima charges a markup on the product price, as well as other fees. It is important to read the lease agreement carefully before proceeding with the purchase at any of the Acima mattress partners, as some people may misunderstand how Acima financing works.

Acima offers a lease-to-own solution, which means you will be paying for the use of the item over time, instead of paying for the entire cost upfront.

However, it is important to note that the total cost of the lease could be more than twice the original price of the item if you complete the full 12-month lease.


Acima offers a variety of payment plans to suit your needs

The payment plans offered by Acima can vary depending on the item you are financing, your credit history, and the Acima mattress store where you are buying.

Here are some of the plans you might want to know about:

  • Initial payment: This is the first payment you make to Acima. It is typically between $50 and $75, and it is usually charged on the day of the lease. The amount of the initial payment can vary depending on where you are shopping and the product you want to buy.
  • 90-day early purchase option: This is the best value option, as you will only pay an additional $75 to  $95 if you repay the lease within 90 days of signing the contract. This is much cheaper than completing the full lease term, which could cost you almost twice the item price.
  • Acima post-90-day payment: If you exceed the 90-day window, the cost of the early purchase option can be expensive. In some cases, it can be as high as 155% or more of the original product price. However, you can still purchase the item at any time during the lease term. The earlier you purchase the item, the more money you will save on fees.

It is important to read the terms and conditions of any lease agreement before proceeding with buying the item at any of the Acima mattress merchants, as the payment plans and schedules can vary depending on the specific contract.

Here are some additional things to keep in mind about Acima payment plans:

  • The interest rate on Acima financing can be high, so it is important to compare the terms of Acima financing to other financing options before you decide.
  • You will be responsible for any late payments or returned payments, which could result in additional fees.
  • If you default on your lease, you could damage your credit.

If you are considering buying the product from the Acima mattress partner through its financing, be sure to do your research and understand all of the terms and conditions before you continue with the contract.


The total value of the items in your cart must be between $300 and $4,000

To use your lease-to-own shopping credit to buy a mattress from any of the online stores that offer Acima financing, your cart value must be at least $300. If your cart value is below $300, you will not be able to use this service.

The maximum amount you can finance with Acima is $4,000, but the amount you are approved for will depend on your credit history, monthly income, and active employment.


FAQs regarding financing items through any of the Acima mattress partners

Here are some frequently asked questions common when financing products from any of the Acima mattress merchants that sell online:

What are the possible reasons why my order with Acima is not going through?

Here are some possible reasons why you may not be able to complete your order with your account at your chosen Acima mattress partner:

  • The item you are trying to purchase is not eligible for Acima financing. Acima has a list of prohibited items that you cannot finance through their platform. This list includes items that are typically considered to be high-risk or perishable, such as food, gift cards, and related products.
  • Your credit score is not high enough. Acima uses your credit score to determine your eligibility for financing. If your credit score is too low, you may not be approved for financing.
  • You have not yet been approved for financing. The approval process for Acima financing can take a few minutes. If you have not yet been approved, you will not be able to complete your order.
  • You have not entered all of the required information. When you apply for Acima financing, you will need to provide some basic information, such as your name, address, and income. If you have not entered all of the required information, your application will be incomplete and you will not be able to complete your order.
  • There is a problem with your Acima account. If there is a problem with your Acima account, such as a billing error, you may not be able to complete your order. You should contact Acima customer service to resolve the issue.

If you are having trouble completing your order with your Acima account, it is recommended to contact Acima customer service for assistance. They will be able to help you determine the reason why your order is not going through and offer solutions.


How can I cancel my mattress order?

Here are the steps on how to cancel your mattress order with Acima:

  • Contact Acima customer service. You can reach them by phone at 1-855-222-2422 or by email
  • Provide your order number. This number can be found in the confirmation email that you received after placing your order.
  • Explain why you are canceling your order. Be sure to be clear and concise.
  • Ask for a cancellation confirmation. This will help you to track the status of your cancellation.

Acima will typically process your cancellation within 24 hours. However, it may take longer depending on the circumstances.

Here are some things to keep in mind when canceling your order:

  • You may be charged a cancellation fee. The amount of the fee will depend on the terms of your lease agreement.
  • You may be required to return the item to any of the Acima mattress partners you bought from. Be sure to check with Acima customer service for specific instructions.
  • If you have already made any payments on your lease, you may not be refunded those payments but that depends on the contract and circumstances.


How can I calculate the total cost of buying products from Acima mattress-affiliated retailers?

When you shop at any of the online stores that offer Acima financing for mattresses and related products, you will be offered a lease-to-own contract.

This contract will outline the terms and conditions of your financing, including the applicable fees and early repayment options.

You can also use the Acima calculator below to get an estimate of your monthly payments. However, this is just an estimate, as the actual amount you pay will depend on the price of the item, the length of the lease, and your credit history.

Here are some of the factors that will affect the amount you pay:

  • The price of the item: The more expensive the item, the higher your monthly payments will be.
  • The length of the lease: The longer the lease, the higher your monthly payments will be.
  • Your credit history: If you have good credit, you may be offered a lower interest rate, which will lower your monthly payments.
  • The applicable fees: There may be additional fees associated with the lease, such as an origination fee or a late payment fee.

It is important to read the lease-to-own agreement carefully before you continue with the order. This will help you understand the terms and conditions of the agreement and the total amount you will pay when you complete the order at any of the Acima mattress partners that operate online.

Are there specific days of the month when I am expected to make my payments?

The method of notification for your scheduled repayments for the mattress may vary. Here are some common ways you might be notified:

  • Email: You will receive an email with the details of your upcoming payment, including the amount due, the due date, and the payment method.
  • Text message: You will receive a text message with the same information as the email notification.
  • Phone call: You may receive a phone call from the Acima team to remind you of your upcoming payment.
  • Online account: You can log into your online account to view your upcoming payments.
  • Paper statement: You may receive a paper statement with the details of your upcoming payments.

It is important to make sure you are aware of and keep track of how you will be notified of your scheduled repayments so that you do not miss a payment. Missing a payment can result in late fees and other penalties.


Will my credit score be affected if I finance a product at an Acima mattress partner?

When you apply for a lease at any of the stores that offer Acima financing for mattresses, a soft credit inquiry will be conducted.

A soft inquiry is a type of credit inquiry that does not affect your credit score. It may appear on your credit report, but it is typically not seen by lenders.

Here are some key differences between soft and hard inquiries:

Soft inquiries:

  • Do not affect your credit score.
  • Typically conducted by lenders when you are pre-approved for a loan or credit card.
  • It can be seen by you and other lenders.


Hard inquiries:

  • Can affect your credit score.
  • Typically conducted when you apply for a loan or credit card.
  • Can be seen by all lenders.

In this case, the soft credit inquiry is being conducted by Acima to pre-approve you for a lease. This means that they will be able to see your credit report, but the inquiry will not affect your credit score. This is a good thing because it allows you to see your chances of being approved for a lease without harming your credit.

However, it’s important to note that your lease-to-own activities may be reported to the credit bureaus.

This means that if you miss a payment or default on your lease, it could negatively impact your credit score. To avoid this, it’s important to make all of your payments on time and to pay off your lease as early as possible.


Can I cancel a lease agreement for a mattress purchase after being approved?

If you are approved for Acima financing at any of the online retailers that offer mattress financing, you are not required to make a purchase.

You can change your mind and walk away at any time without any penalty. There is no contract involved.

Additionally, you can use your approved financing to make purchases at any other merchant that offers Acima financing for up to 45 days.

If you do not use your financing within this time period, it will expire and you will need to reapply for financing if you want to make a purchase in the future.

Here are some key points to remember:

  • You are not obligated to make a purchase if you are approved for Acima financing.
  • There is no contract involved, so you can walk away at any time without penalty.
  • You can use your approved financing to make purchases at any other merchant that offers Acima financing for up to 45 days.

If you do not use your financing within 45 days, it will expire and you will need to reapply for financing.

How can I find a list of retailers that offer Acima financing for mattresses in-store?

You can finance items by visiting a local store that is one of the Acima mattress financing providers.

You can find the nearest store to your location by entering your zip code on Acima’s offline locator map page. This will display a list of merchants and their contact information that operate in your area.



With a maximum lease-to-own financing credit limit of $4,000, you can buy the products you need from most Acima mattress partnering retailers both online and offline without having to make an upfront payment.





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