Sleep Now, Pay Later with Affirm
Get the mattress you want today and pay over time with simple, transparent monthly payments through Affirm. No hidden fees. No surprises. Just flexible financing designed to help you sleep better.
Payment terms available in 3, 6, or 12 months
Shop All MattressesWhy Customers Choose Affirm
0% APR Options
Eligible purchases may qualify for 0% APR financing. Pay over time without added interest when payments are made on schedule.
Instant Decision
Affirm provides a quick loan decision within seconds, giving you clear payment options without delays or long forms.
No Hidden Fees
Affirm never charges late fees, annual fees, or prepayment penalties. You always know exactly what you owe.
Flexible Monthly Plans
Choose from 3, 6, or 12‑month payment plans at 0% APR on qualifying purchases.
How Affirm Financing Works
Shop & Add to Cart
Browse our premium mattress collection and add your favorites to your cart.
Select Affirm at Checkout
Choose Affirm as your payment method and complete a short application.
Receive an Instant Decision
Affirm provides a real‑time loan decision with clear monthly payment options.
Enjoy Your New Mattress
Complete your purchase and pay over time with predictable monthly payments.
Example Monthly Payments at 0% APR
See how affordable premium sleep can be with transparent financing options*
*0% APR financing available on select purchases. Your rate will be 0–36% APR based on credit and is subject to an eligibility check. Payment options through Affirm are provided by lending partners at affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
Affirm Financing FAQ
Does checking my eligibility affect my credit?
No. Checking your eligibility will not affect your credit. Affirm performs a soft credit check to show your financing options. A hard inquiry occurs only if you decide to complete your purchase with Affirm.
What are the current eligibility requirements?
Affirm customers must:
• Be a resident of the U.S. (including U.S. territories)
• Be at least 18 years old (19 if a ward of the state in Nebraska)
• Have a Social Security number
• Own a phone number that receives SMS and is registered in the U.S. or U.S. territories
Can I pay off my Affirm loan early?
Yes. You may pay off your loan at any time without additional fees or penalties.
How are refunds handled if I return my mattress?
If your return is approved, Affirm will adjust your loan balance and refund any payments already made to your original payment method.
How do I qualify for 0% APR?
0% APR is available on select purchases and is subject to an eligibility check. Your rate will be shown at checkout based on your credit and purchase amount.
Are there any late fees?
No. Affirm does not charge late fees, annual fees, or hidden fees of any kind.
Will I know my total cost upfront?
Yes. Affirm shows your exact monthly payment, total cost, and APR before you commit.
Can I use Affirm for all products?
Affirm is available for most mattresses and accessories. Some exclusions may apply based on price or promotions.
What happens if Affirm does not offer financing?
If Affirm is unable to offer financing, you can still complete your purchase using any other accepted payment method at checkout.