$20 Down – No Credit Needed Payment Plan
Most people take advantage of our $20 down, no credit needed payment plan—with up to 90 days of 0% interest and no fees!
To get pre-approved, you just need:
âś… A source of income (such as a job, disability, SSI, or Social Security benefits).
✅ A standard checking account (online banks may qualify—see below).
✅ Credit history isn’t a big factor—they mainly look at income consistency!
Once pre-approved, if you choose a mattress:
đź’° You pay only $20 plus $1.50 in sales tax at checkout.
đźšš Take your mattress home immediately or have it delivered.
đź“… Payments are set for 12 months, but if you pay it off within 90 days, you pay NO interest or fees!
They prefer a traditional bank account, but we’ve had success getting Chime and Cash App accounts approved—especially Chime, so use that one if you have both.
đź“Ś Use these routing numbers when applying:
Â
How to Qualify
To get pre-approved, you just need:
âś… A source of income (such as a job, disability, SSI, or Social Security benefits).
✅ A standard checking account (online banks may qualify—see below).
✅ Credit history isn’t a big factor—they mainly look at income consistency!
How It Works
Once pre-approved, if you choose a mattress:
đź’° You pay only $20 plus $1.50 in sales tax at checkout.
đźšš Take your mattress home immediately or have it delivered.
đź“… Payments are set for 12 months, but if you pay it off within 90 days, you pay NO interest or fees!
Online Banking
They prefer a traditional bank account, but we’ve had success getting Chime and Cash App accounts approved—especially Chime, so use that one if you have both.
đź“Ś Use these routing numbers when applying:
Â
- Chime Routing #: 031101114
- Cash App Routing #: 041208777
