Great sleep can't wait, but payment can.

With Affirm, you've got options that make purchasing easy, with or without credit.

Up to 6 Months 0% APR

Paired with our 10 Year Guarantee, you'll have total peace of mind, and great sleep for years to come!

Affirm Mattress Financing - How It Works

Select Affirm at Checkout

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

Choose How to Pay

Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.

Make Easy Monthly Payments

Make payments at or in the Affirm app. You’ll get email and text reminders.

Pre-Qualify Now


Buy now, pay later! Finance your mattress and make easy monthly payments with Affirm or Shop Pay Installments.


Choose the payment plan and terms that fit with your budget. We also offer other convenient payment options like Paypal, Amazon Pay, Google Pay, and Shop Pay.


You'll know exactly what you'll pay upfront, without any surprises.

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Affirm FAQ’s

Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments.

Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm verifies your identity with this information and makes an instant loan decision. Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if you don't have an extensive credit history.

Although Affirm performs a credit check when you apply for a loan, this won't impact your credit score. However, if you're approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.

Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don't risk missing a payment. Follow these steps to make a payment: 1. Go to 2. Enter your mobile phone number. Affirm sends a personalized security PIN to your phone. 3. Enter this security PIN into the form on the next page and click Sign in. 4. After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make. 5. Make a payment using a debit card or ACH bank transfer.

Affirm does not charge hidden fees of any kind, including late fees. If your payment is late, you will not be charged a fee. In some cases, partial and late payments may hurt your credit score and reduce your odds of getting another loan with Affirm.

Let us help you find the perfect mattress

We get it. Mattress shopping is confusing. Our no-pressure support team is here to help you out. We’re happy to answer any questions you have and help you pick the best mattress for you. Just give us a call.

Prefer a No Credit Needed Option?

Shop for a premium mattress with only a $79 initial payment today