Financing your dream mattress: easy and affordable options at LA Mattress stores

A new mattress is one of the most important investments you can make in your health and well-being. A good night's sleep impacts everything from your mood and energy levels to your physical health and overall productivity. But we understand that the upfront cost of a high-quality mattress can sometimes feel daunting. That's where financing comes in.

At LA Mattress Stores, we believe everyone deserves to sleep soundly on a comfortable, supportive mattress. That's why we offer a variety of easy and affordable financing options designed to fit your budget and make your dream mattress a reality. We've partnered with leading financing companies to provide flexible payment plans that put you in control.

Why Consider Financing Your Mattress?

Financing a mattress can be a smart financial decision for several reasons:

• Get Your Ideal Mattress Now: Don't settle for a less-than-perfect mattress just because of the upfront cost. For example, if you are looking for a specific brand like a Diamond Mattress known for its pressure relief, financing allows you to get the mattress that truly meets your needs and preferences right away, so you can start enjoying better sleep immediately.
• Manageable Monthly Payments: Spread the cost of your mattress over time with predictable, budget-friendly monthly payments. Many customers find that the monthly payments fit more easily into their budget than a large one-time expense.
• Preserve Your Savings: Keep your hard-earned savings for other important expenses, investments, or emergency funds.
• Build Your Credit: Making timely payments on a financed purchase can help you build or improve your credit score.

Our Financing Partners: Your Path to Better Sleep

LA Mattress Stores has partnered with reputable financing companies to provide you with a range of options to suit your individual circumstances. Let's take a closer look at what each partner offers. You can always check our current sale mattresses to see if the mattress you have in mind is available at a discount, before applying for financing.

Synchrony Home - Enjoy 0% APR Financing

Synchrony Home is a leading provider of consumer financing for home-related purchases. They offer a variety of promotional financing options, including:

• 0% APR Financing: Qualified buyers can take advantage of special promotional periods with 0% APR financing on mattress purchases over $500 in Los Angeles. This means you pay no interest on your purchase if you pay the full balance within the promotional period (e.g., 6, 12, 18 or 24 months). It's like an interest-free loan!
• Deferred Interest: If the balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date.
• Fixed Monthly Payments: Enjoy the predictability of fixed monthly payments for the duration of the loan term.

How to Apply: You can apply for Synchrony Home financing online through our website or in-person at any of our conveniently located LA Mattress Stores locations. The application process is quick and easy, and you'll typically receive a decision within minutes.

Acima - Lease-to-Own, No Credit Needed

Acima offers a flexible lease-to-own program that's a great option if you're building your credit or prefer not to use traditional financing. Here's how it works:

• No Credit Needed Financing in Los Angeles: Acima doesn't require a traditional credit check, making it accessible to a wider range of customers. Many customers find this to be a great solution when they need a new mattress but are worried about their credit score.
• 90-Day Purchase Option: You have the option to purchase the mattress within 90 days for the original cash price plus a small leasing fee.
• Early Purchase Option: You can purchase the mattress at any point during your lease at a discounted rate.
• Flexible Payments: Acima offers weekly, bi-weekly, or monthly payment schedules to align with your paydays.

How to Apply: Applying for Acima is simple and can be done online or at any of our store locations. You'll need to provide some basic information, and you'll receive a decision instantly.

Snap Finance - Fast Approvals, Even with Imperfect Credit

Snap Finance is another excellent option for those with less-than-perfect credit or who are looking for a quick and easy approval process.

• High Approval Rates: Snap Finance is known for approving a high percentage of applicants, including those looking for mattress financing with bad credit in Los Angeles.
• 100-Day Cash Payoff: Pay off your mattress within 100 days and you'll only pay the cash price.
• Flexible Payment Plans: Snap offers customizable payment plans to fit your budget.

How to Apply: You can apply for Snap Finance online or at any LA Mattress Stores location. The application is fast, and you'll get a decision in seconds.

Understanding Financing Terms: A Quick Glossary

To help you navigate the world of financing, we created a quick glossary with some of the common terms used by the finance companies:

• APR (Annual Percentage Rate): The annual interest rate you'll pay on your financed purchase.
• Promotional Period: A set period of time during which special financing terms apply, such as 0% APR.
• Deferred Interest: If the balance is not paid in full by the end of the promotional period, interest is charged retroactively from the original purchase date.
• Fixed Payments: Equal monthly payments for the duration of the loan term.
• Lease-to-Own: A program where you lease the mattress with the option to purchase it at any time.
• No Credit Needed: Financing options that don't require a traditional credit check.

Start Sleeping Better Today!

Don't let the cost of a new mattress stand between you and a good night's sleep. A good option may be to start your search by browsing through our most popular brands like Chattam & Wells or Englander, to see the newest models available. Visit one of our LA Mattress Stores locations today to explore our incredible selection of mattresses. Our friendly and knowledgeable sleep experts are ready to answer your questions, help you find the perfect mattress, and guide you through the financing process. We're committed to making your dream mattress a reality. Sweet dreams, Los Angeles!