Top 7 Mattress Payment Plan No Credit Check In 2022

You may think getting approved for mattress finance or lease can be a tricky task for your bad credit. But you may not know that mattress payment plan no credit check is now readily available. Several providers and finance applications now offer no credit check mattress financing with manageable agreements.

But before you proceed, you should note that the majority of mattress stores don’t offer direct finance purchases. They rather go for third-party sites or platforms for providing finances and flexible no credit check payment options for consumers.

Some commonly used third-party platforms are Progressive Leasing, Snap Financing, Synchrony Finances, etc. But following, we will discuss the top 8 stores and finance providers that offer mattress payment plan no credit checks with flexible choices.

Quick Summary

  • Mattress Firm

Mattress Firm is a nationwide available mattress and furniture financing store offering progressive leasing programs for up to 12 months. Requires no processing fee, and the first lease payments may stay due during purchase.

  • Sears

Sears is a countrywide department store company providing leases for mattresses without credit checks. Payment options are available in monthly values, and mostly they last for a minimum of five months.

  • Kmart

Kmart is an online and physical store offering mattresses and other household goods at easy-to-pay monthly & weekly buy now pay later leases. Initial lease payments may stay due when purchasing, and they charge no processing fees.

  • Shop Factory Direct

Shop Factory Direct is an online store that offers no credit check mattress & furniture leasing, and it is partnered with Progressive Leasing. Payment dues are monthly, weekly, and bi-weekly based on your payment frequency.

  • Conn’s Home Plus

Conn’s is primarily a southern US furniture and mattress store that provides progressive leasing for an average of 12 months. Charges no fees for processing, and down payment is deducted from the first payment.

  • Metro Mattress

Financed by Synchrony and Koalafi Finance, Metro Mattress is a furniture store with 50+ physical locations across the US. It provides no credit financing with 0% interest for 24, 36, 48, 60 months and requires interest for 6, 12, 24, 36 months.

  • Sierra Mattress Company

Sierra Mattress Company offers no credit mattress financing powered by Brand Source and Koalafi Financing. They require no annual fees for financing. Get $0 liability on unauthorized purchases and promotional rebate savings offers.

Detailed Analysis Of Top 7 Mattress Payment Plan No Credit Check In 2022

1. Mattress Firm

Mattress Firm

Mattress Firm is a renowned mattress, bedding, and furniture provider across the United States, which is headquartered in Texas. They offer bed frames, mattresses, furniture, bedding, pillows, and other baby & kids accessories. They provide mattress payment plan no credit check, which has up to 90 days purchase option.

Key Advantages

  • Provides a quick, simple application process with an instant judgment
  • Requires no credit for lease to own furniture and mattresses
  • A 90-day purchase option is also available
  • Convenient payment options are available for up to 12 months.
  • They have Special financing available from 6 to 36 months with Mattress Firm Credit Card.
  • Provides a 24/7, user-friendly online account management
  • Financing options are open every day with timely monthly payments

You can also pay with any standard agreements lasting up to 12 months. With Progressive Leasing, you can effortlessly apply for a cheap way to get your dream beddings even if you have insufficient credits.

This option requires no credits or any credit checks. They provide a simple application process for lease-to-own options, with convenient payment choices.

Mattress Firm Progressive Leasing is unavailable in Vermont, New Jersey, Wyoming, Minnesota, Wisconsin, or Puerto Rico. If you are ready to apply, you can choose from an online application, calling, or chatting. Since Progressive Leasing obtains data about users from credit bureaus, they require no credit check furniture financing online.

For calling, you can talk to an expert at 877-349-6231 or 1-877-384-2903(call 877-898-1970 for early purchase). Their 90-day purchase alternatives may charge more than the retailer’s cash expenditure (except the 3-month option in California). You can also go for in-store locations for leasing purchases or mattress finances.

2. Sears

Sears

Sears is a prominent nationwide shop in the United States, offering furniture, fine jewelry, mattresses, fitness, living, outdoor, and other home appliances.

They provide leasing on selected items like mattresses, furniture, and other home appliances with flexible terms and easy payment options. Their leasing program is powered by Lease It service, known as Sears Kiosk Service.

Key Advantages

  • Sears leasing requires no application fees
  • Get quickly approved within the same day
  • Requires no credit or any credit checks
  • No reference is required for leasing or approval
  • You can make instant decisions from convenient leasing agreements
  • Rent from a comprehensive choice of top-quality brand new items from Samsung, Kenmore, Craftsman, LG, and More.
  • You can choose weekly (online only), bi-weekly, or monthly lease payments.

Sears Lease It program requires no application fees and credit checks. You can go for the lease it program today with instant decisions, and picks over 199 dollars are eligible for the Lease It program.

Without any hassles, you need to pay the initial first payment and then complete the minimum five-month payment option. After that, you can decide multiple choices for what to do next!

You must be at least 18 years old for the leasing application, and a valid photo ID is required. It requires no references for proceeding further, and you can choose from the weekly, bi-weekly, and monthly payment options.

You need to make at least 20 weekly, 10 bi-weekly, and 5 monthly payments for leasing. After that, you can lease on, pick a convenient quick payment option, or return it to LeaseIt.

You can look up if you pre-qualify for their leasing program. If you are pre-qualified, you can start your leasing application. They also have a payment estimation calculator for finding how much it will cost you. First, shop; then apply online or in-store. Make payments with your leasing agreement and take it home after that.

After you’ve completed the minimum five months leasing agreement, you can choose one early purchase option for making it faster. For a $500 down no credit check, you can pay early within 30, 60, and 90 days.

Sears requires 5% over cash price for 30 days, 8% for 60 days, and 10% for 90 days. All that will be applied if your product price is between 525 to 550 dollars.

3. Kmart

Kmart

Kmart is an online and physical store offering mattresses and other household goods at effortless monthly & weekly buy now pay later leases. They have more than 1 million satisfied leasing customers.

With their leasing option, you can make convenient payments without any credit requirements. Upon approval, you need to make the first payment, and you can take your products today.

Key Advantages

  • Kmart leasing requires no application fees
  • Get quickly approved within the same day
  • Requires no credit or any credit checks
  • No reference is required for leasing or approval
  • You can make instant decisions from convenient leasing agreements
  • Rent from a comprehensive choice of top-quality brand new items from Samsung, Kenmore, Craftsman, LG, and More
  • You can choose weekly (online only), bi-weekly, or monthly lease payments.

Their leasing program is powered by the LeaseIt service, known as WhyNotLeaseIt. For the leasing program, you must be at least 18 years old for the leasing application, and a valid photo ID is required.

Moreover, you need to have a valid Social Security or Individual Taxpayer ID number. If you lease with in-store options, you can take your product home that day by making an initial payment.

You need to make at least 19 weekly, 9 twice monthly, and 4 pay monthly beds no credit check. You can look up if you pre-qualify for their leasing program.

If you are pre-qualified, you can start your leasing application. They also have a payment estimation calculator for finding how much it will cost you. First, shop; then apply online or in-store. Make payments with your leasing agreement and take it home after that.

After you’ve completed the minimum five months leasing agreement, you can choose one early purchase option for making it faster. For a 500 dollars item, you can pay early within 30, 60, and 90 days. Kmart requires 5% over cash price for 30 days, 8% for 60 days, and 10% for 90 days.

All that will be applied if your product price is between 525 to 550 dollars. The buy-it-out leasing is not available in New Jersey, Vermont, Wisconsin, Wyoming, and West Virginia. For any additional inquiries about leasing, you can contact their customer support or mail them at [email protected]

4. Shop Factory Direct

Shop Factory Direct

Shop Factory Direct is US-based furniture, bedroom, game room, office, home theater, lighting, and outdoor appliances store. You can lease any products, especially mattress payment plan no credit check without any application fees.

They provide leasing or financing options with the Progressive Leasing service, and the procedure is pretty straightforward.

Key Advantages

  • Provides affordable monthly plans
  • With competitive interest rates, you can buy now and pay your purchasable amounts over time.
  • Requires no payment penalties for late or missed payments
  • Get a judgment in moments with no obligation to purchase through Easy Application
  • Provides standard leasing with up to 12 months payment agreement
  • You can purchase the product at any time

With their affordable financing partner, Bread, you can pay over time. A buy now pay later leasing program allows purchases with competitive interest rates.

However, the Bread financing requires credit approval, and the Annual Percentage Rates may range from 6.99% to 29.99% based on your payment agreement.

You can proceed to the Progressive Leasing lease-to-own program without huge upfront fees or long-term contracts. You must be at least eighteen or more(19 for Alabama) to apply.

Besides, you need to have your valid Social Security Number or ITIN, functional checking account, routing account number, and a credit/debit card.

After completing your set 12 months payment agreement, you can choose the three-month early purchase option. The 90-day early purchase option is unavailable in Minnesota, Wyoming, Wisconsin, Vermont, and New Jersey. By clicking on the Apply Now icon, you can see your approval status, initial payment contracts, and payment estimator/calculator.

When you receive your lease-to-own agreement by email, review it, digitally sign, and make the initial payment. For any further information, you can call them toll-free at 1-800-269-2216 (option 2), and one of their friendly professionals will assist you with placing your order. Shop Factory Direct will notify you once your order has shipped.

5. Conn’s Home Plus

Conn’s Home Plus

Conn’s is a renowned store for home appliances like furniture, TV & Electronics, Mattresses, Computers, Fitness, etc. You can get your mattress payment plan no credit check from Conn’s powered by Great American Finance.

They also have a wide section of promotional offers, including free delivery on specific items and purchases.

Key Advantages

  • Provides adaptable payment choices for up to 12 months
  • You can make easy purchasing decisions
  • They provide early buyout options for up to 90 days
  • Requires no credit checks for proceeding
  • You can pay as you go without any hassles
  • Upon approval, they provide up to a 5000 dollars spending limit.

With American First Finance, you can lease to own any products, pay as you go without any credit checking hassles. You can pre-qualify for their financing options/lease to own/rent to own, and retail installment contracts.

All their programs offer easy buyout options with flexible payment terms. Their retail installment contract will help you to build your credit as well.

Conn’s provides free delivery on appliance purchases of over 799 dollars. You can apply for the mattress financing from Conn’s Home Plus, but before you apply, you can also check if you pre-qualify for their offer or not.

They don’t ask for any interest fees for lease-to-own options, but these trades have substantial leasing fees that are identical in price to interest-bearing items.

They offer cost-free shipping on all fitness equipment and vacuums. With their special offer on LG appliances, you can save up to 5% on purchases over four items.

Moreover, LG Bundle also provides an extra 10% off On eligible LG appliances. You can get an Additional 800 dollars Cash Back on Selected GE Profile Appliance Sets.

6. Metro Mattress

Metro Mattress

Metro Mattress is a mattress store that has come with beddings, accessories, wood & iron beds, and sleep supporting appliances since 1978.

They have been running convenient services across New York for more than 40 years. However, they sell a wide range of mattresses, and you can get a mattress payment plan no credit check from them.

Key Advantages

  • You can make in-store purchases with your Metro Mattress credit card
  • They offer easy payment options with 0% interest for 24, 36, 48, and 60 months
  • All their special financing offers require a reduced minimum purchase
  • For financing options, they require just 2 dollars as minimum interest or 29.99% APR
  • Special financing is available for 6, 12, 18, and 24 months
  • Requires no interest for unique financing options if you pay full within the set In-store lengthy purchase options require a short 10% down payment on orders from 2000 to 5000 dollars.
  • Requires no credit check for short financing payment agreements
  • The application process through online platforms is easy and convenient

If you are not satisfied with their services, they offer a 30-day comfort exchange offer, and you can exchange it for one that better suits you! Financed by Synchrony and Koalafi Finance, Metro Mattress has more than 50 physical locations across the US.

It provides no credit check no down payment financing with 0% interest for 24, 36, 48, 60 months and requires interest for 6, 12, 24, 36 months.

If you get approved for their financing option, you can use multiple finance accounts and credit cards for purchasing. You can apply for Synchrony Bank financing, and it allows you agreements for up to 60 months with qualifying purchases.

Koalafi Finance offers financing through West Creek Financial that offers no credit financing with high approval rates and flexible pay monthly mattress no credit check options.

Their no credit needed term doesn’t mean they won’t go for credit checks. It means you can get approval for their mattress financing through zero credit or bad credits. They will undergo a soft credit check for the sake of the application process, which won’t affect your overall credit scores.

Since this is a lease-to-own program, you can own the item totally by paying all the installments with due conditions. If you are not approved for Synchrony, you can apply for financing through the Fortiva Retail Credit account. And they also give easy account access, payment, customization, alert benefits, etc.

7. Sierra Mattress Company

Sierra Mattress Company

Sierra Mattress Company is a famous mattress store across the United States which offers mattresses, beds, and other home accessories at convenient payment plans.

Key Advantages

  • All their special financing offers require a reduced minimum purchase.
  • They charge no interest for unique financing options if you pay within the set time.
  • Allows effortless online application procedure
  • Special financing is available for 6 to 36 months
  • Make in-store purchases with Brand Source credit cards.
  • Requires no credit checks or approves if you have no or bad credit

They also have flexible leasing and mattress payment plan no credit checks through their service Brand Score and Koalfi Finance. With unique financing options from Sierra, you can now decorate your home perfectly.

For Sierra Mattress Financing, you can purchase from online or in-store options. Their store or showroom is at Longley Lane, Suite 105, Reno, Nevada 89511.

The Brand Source credit card financing from Citi Bank retail services comes with a convenient application process. If you want to access your account 24/7 and make quick payments, you can go for a Brand Source Credit card.

However, you should note that you need to pay small monthly payments for the maintenance of your Brand Source Credit card. This financing plan from Sierra Mattress or Brand Source offers special deals for qualifying purchases as well.

Unlike Brand Source, Koalafi provides effortless financing whether you have decent credit, poor credit, or no credit. If you want to know more about Sierra Mattress financing, you should contact them at 775-544-8080 or mail them.

FAQ About Mattress Payment Plan No Credit Check

What is the early buyout/purchase option?

After you have done the set payment agreement for certain months, you can choose an early purchase option to finish the leasing quickly. These early purchase options come with discounted early payment choices that allow paying less money overall.

How financing with no credit check works?

No credit check financing or loan usually doesn’t require any deep checkings about your credit score or history. It means for loan approval; you don’t have to use your credit score as proof of your creditworthiness.

What is the average upfront fee for leasing/financing?

You may need to pay a little processing or maintenance fee upfront during your leasing or financing application process. In general circumstances, this fee can stand approximately 40 dollars to 60 dollars. However, you should note that this amount is added to the total leasing amount.

Do third-party leasing companies take interest similar to traditional financing?

Instead of providing loans like the traditional financing companies, the third-party financing platforms offer lease-to-own programs.
Therefore, these third-party finance companies don’t charge interest like the conventional financing systems. In this system, they will equally calculate your total leasing amount into monthly payments(it includes leasing fees with the purchase price).

What does no credit mean?

No credit simply means that you don’t have any credit scores, and lousy credit determines you’ve made any mistakes or adverse actions in your credit history. A credit checking is required for any purchases, which shows the likelihood of your in-time product payments.

What is the easiest mattress financing option?

One of the easiest ways to finance mattress pay monthly no credit check is the lease-to-own option. However, there are some risks that can ruin your whole progress. Suppose you miss any payment dates or fail. To pay any payments in time, you may lose your credits regarding the product purchases.

Recap

Now you can rest assured about your mattress payment plan no credit check, as we have discussed top picks after thoroughly researching. In a nutshell, for the overall best mattress leasing/financing/payment, we suggest Mattress Firm, which has a loyal service. However, others are also reliable and trustworthy, and you can select one based on your choices and budget segment.