Flexible mattress financing

Sleep better now. Pay over time with Synchrony.

Explore promotional financing for a premium mattress, adjustable base, or complete sleep system—then shop online or visit our Magnolia showroom for personal help.

Apply with Synchrony Call Larry: 832-628-6375

Checking available options is handled securely by Synchrony. Subject to credit approval.

1

Apply securely

Complete the Synchrony application and review the terms offered to you.

2

Find your sleep system

Shop online or let Larry help you compare comfort, support, and cooling.

3

Complete your purchase

Use approved financing on qualifying purchases and enjoy better sleep.

Personal guidance

Not sure what mattress or payment option fits?

Larry is a sleep expert with more than 20 years of sales experience. Call before you apply, or visit the Magnolia showroom for a pressure-free comfort fitting.

Call Larry Directions to Magnolia

Synchrony HOME credit card benefits

  • 6-month promotional financing on purchases of $299 or more.1
  • 0% promotional financing for up to 48 months on qualifying purchases.1
  • A dedicated credit limit for eligible home purchases.
  • $0 fraud liability and 24/7 secure account management.

*Subject to credit approval.

1 Subject to credit approval. Minimum monthly payments required. 0% promotional financing for up to 48 months may be available on qualifying purchases. Offers available at the time of purchase may vary by location. See store for details.

2 For new accounts as of July 31, 2025: Purchase APR is 34.99%; Penalty APR is 39.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreements for their applicable terms.

3 You may be required to provide your annual net income if Synchrony does not have your recent information on file.

Clear financing guidance

Synchrony mattress financing: quick answers

Review the current terms offered to you before choosing financing. Approval, promotional periods and qualifying purchases can vary.

Does Texan Mattress offer Synchrony financing?

Yes. Texan Mattress provides access to the Synchrony application and current offer information. Financing is subject to credit approval and Synchrony’s terms.

Can financing be used for a mattress and adjustable base?

Approved financing may be used on qualifying purchases. Eligibility and promotions depend on the transaction and terms Synchrony offers.

Is 0% financing for 48 months guaranteed?

No. Promotional financing availability, duration and eligibility can change and are subject to credit approval and current terms.

Where can I compare every payment option?

Use our financing and payment options page to review information about Synchrony, Affirm, Fortiva, Acima and Snap before choosing a path.

Can I choose a mattress before I apply?

Yes. Shop online, visit a Texas showroom or request a mattress fitting before selecting a product and payment option.