Pay over time at Mattress Firm

Mattress Firm sells mattresses, bases and bedding online and in stores nationwide. We confirmed Progressive Leasing and Synchrony credit card here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Lease-to-own

Progressive Leasing

Cost
More than cash price
Credit check
No credit needed

Checked Nov 10, 2026 The store’s website says it offers Progressive Leasing

Store offer, minimum and plan lengths are from Mattress Firm’s website. Cost and credit check are Progressive Leasing’s general terms.

All Progressive Leasing stores and terms

Store credit card

Synchrony credit card

Name at checkout
Mattress Firm credit card
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 Synchrony Bank issues the Mattress Firm credit card, checked on Synchrony's website

Store offer, minimum and plan lengths are from Mattress Firm’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

How to pay over time at Mattress Firm

  1. Add what you want to your cart on mattressfirm.com.
  2. At checkout or on the store’s financing page, choose Progressive Leasing or Mattress Firm credit card.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Mattress Firm financing

Does Mattress Firm offer financing?

Yes. We confirmed Progressive Leasing and Synchrony credit card at Mattress Firm on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Mattress Firm affect my credit score?

Progressive Leasing doesn't require a credit history, but it gets information from credit bureaus when you apply. Not everyone is approved.

Can I use Progressive Leasing in a Mattress Firm store?

We checked online shopping at Mattress Firm only. If the store has physical locations, ask there whether financing is available.

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