A quality mattress is an investment in years of sleep, but it doesn't have to be a single line on this month's bill. LA Mattress offers 0% APR financing through Synchrony and Acima on most purchases — pick the partner that fits your situation and pay over time with no interest if you pay on schedule.
Standard retail financing partner. Apply at checkout for an instant decision in most cases. Synchrony offers 0% APR promotional terms tailored to your purchase amount — you'll see the specific term and monthly payment before confirming your order. Good fit if you have established credit and want a single revolving line you can re-use.
Lease-to-own option for shoppers building credit or who don't qualify with traditional financing. Quick application, soft credit check, instant approval up to $4,000. Acima sets monthly payments based on the lease term — you can also pay off early at a discount. Good fit if traditional financing isn't an option right now.
Approval is based on creditworthiness and is processed by the financing partner (not by LA Mattress). Most applicants are approved instantly. If you have credit-history concerns or want to pre-qualify before browsing, give us a call at (800) 218-3578 and we'll walk you through which option fits.
Any mattress, any size, any brand we carry — plus adjustable bases, sheets and pillowcases, toppers, and accessories. Bundle the mattress, base, and bedding into one financed purchase and pay it all over the same term.
We also accept all major credit cards, debit cards, Apple Pay, Google Pay, ACH bank transfer, and PayPal. If you'd prefer not to finance, full-pay options are right there at checkout.
Financing makes a $2,500 purchase feel like a manageable monthly payment — but the mattress is the same mattress either way. We back every bed with our 120-night comfort exchange: if you sleep on it for four months and it isn't right, we'll swap it. Free white-glove delivery on orders over $499. Same-day delivery available when you order by 4 PM.