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Rent to Own Mattress


Don't lose sleep on your worn out mattress for one more night! A mattress payment plan is a great way for people who have bad credit to still get an excellent night's sleep. We offer rent to own agreements that give you the opportunity to pay for your perfect mattress over time with monthly payments, and eventually buy it outright. Plus our products arrive at your home in pristine condition with free nationwide delivery using our promo code!
Availability: In Stock
as low as $16.05/month1
Retail price: $299.99
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as low as $43.87/month1
Retail price: $819.99
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as low as $12.84/month1
Retail price: $239.99
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as low as $6.95/month1
Retail price: $129.99
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as low as $31.56/month1
Retail price: $589.99
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as low as $5.88/month1
Retail price: $109.99
35% OFF
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as low as $53.50/month1 $81.85/month
Retail price: $999.99
34% OFF
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as low as $7.49/month1 $10.70/month
Retail price: $139.99
22% OFF
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as low as $36.91/month1 $47.08/month
Retail price: $689.99
21% OFF
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as low as $6.95/month1 $8.56/month
Retail price: $129.99
20% OFF
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as low as $30.49/month1 $37.98/month
Retail price: $569.99
20% OFF
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as low as $26.75/month1 $33.70/month
Retail price: $499.99
20% OFF
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as low as $33.70/month1 $41.73/month
Retail price: $629.99
16% OFF
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as low as $119.84/month1 $141.24/month
Retail price: $2,239.99
16% OFF
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as low as $119.84/month1 $141.24/month
Retail price: $2,239.99
15% OFF
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as low as $80.25/month1 $95.23/month
Retail price: $1,499.99
15% OFF
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as low as $164.24/month1 $193.67/month
Retail price: $3,069.99
15% OFF
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as low as $156.22/month1 $184.04/month
Retail price: $2,919.99
15% OFF
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as low as $74.90/month1 $88.27/month
Retail price: $1,399.99
15% OFF
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as low as $92.55/month1 $107.53/month
Retail price: $1,729.99
15% OFF
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as low as $137.49/month1 $160.50/month
Retail price: $2,569.99
15% OFF
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as low as $75.43/month1 $88.27/month
Retail price: $1,409.99
15% OFF
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as low as $89.88/month1 $104.86/month
Retail price: $1,679.99
15% OFF
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as low as $103.25/month1 $121.44/month
Retail price: $1,929.99
15% OFF
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as low as $81.32/month1 $95.23/month
Retail price: $1,519.99
15% OFF
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as low as $103.25/month1 $121.44/month
Retail price: $1,929.99
15% OFF
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as low as $98.44/month1 $114.49/month
Retail price: $1,839.99
13% OFF
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as low as $8.02/month1 $9.63/month
Retail price: $149.99
10% OFF
Availability: In Stock
as low as $52.43/month1 $58.31/month
Retail price: $979.99

Mattress Financing

No hard credit, fico scores, or soft credit check - mattress low APR financing options are simple and easy, unlike with a synchrony bank transfer, when you shop our furniture stores and room shop with RTBShopper.com for a king size mattress and apply online with our progressive leasing! We offer lease-to-own mattresses with payment options to fit your budget with a low monthly bill, even if your credit is less than ideal and no hidden fees. The best part is, we include free shipping and free same day delivery on all orders over $50 with an approved credit card or valid debit card for your initial payment! Say goodbye to your old uncomfortable mattress. Say hello to your brand new Sealy, Serta or any other mattress brand with the mattress firm you prefer! Get a good night's sleep with memory foam mattresses or pillow top mattresses and maximum support.

There's alternative financing options for many items with only a credit card needed and with mattress financing you can increase your credit score by making the minimum purchase with monthly payments as the credit bureaus require us to report monthly any payment allocation. You can visit the credit bureau for complete details. Payment amount options available for a real time decision on 12 months, 18 months, and 24 months with rates from 0 30 APR payment plans contingent with fico scores check and approval. The process is easy with low minimum monthly payments required and no credit needed! Simply place your order for a new mattress on our website review the credit card agreement terms and enroll in a flexible payment plan that works for you. You'll wonder how you made purchases without our alternative financing, credit check, no credit needed, and flexible minimum monthly payments required with a credit card. Get complete details below.

Whether you just moved and need a new memory foam mattress or you’re simply replacing an old mattress and want to style shop – we have some of the best cooling gel mattresses you can lease-finance to keep the required minimum monthly payments low for you with financing options and no credit approval needed. Get a twin, queen, or king size new mattress and get exactly what you want from RTBShopper. We know a good mattress is an essential item for you to get the best rest or home theater. Sleep is so important! Financing with flexible monthly payments is the easiest way to get a mattress with just a small initial down payment using a credit card.

Check your estimated monthly payments amount with our lending partners' payment calculator.
You can apply for rent-to-own furniture on our website, select from our flexible payment options and select one that fits your pay schedule with the credit card agreement terms, and enjoy the comfort of a new bed!

Poor Credit?

No Credit?

Don’t stress! We offer pay later financing with only a soft credit check that won't affect your credit store with credit bureaus!

Get less than ideal credit financing plans and get better sleep today! You can choose between flexible payment plans to fit your budget. The application process is fast with no risk, and you could get your mattress for less than other retailer's cash price once you confirm the offer valid! Get complete details below. For a minimum interest charge, try paying off your purchase amount during the promote period and avoid being charged for any purchase APR. There is a non promo purchase amount once you confirm the offer valid, that has early payoff options for existing cardholders with other companies but may have a credit needed and will likely charge you hidden fees with that same company. Even with special financing, regular account terms apply with term length subject to change. An interest free promo period depends on the promo purchase amount for any new accounts or existing cardholders. Get started on the credit application process and see how much your first payment will be for your purchase amount, and compare the difference between non promo purchases, confirm the offer valid and the purchase amount for a promo period.

How Mattress Financing Payment Plans Work

  1. Select the right mattress for you. Make sure you choose the best mattress for your sleeping preference. Soft beds, firm mattresses, springy beds, pillow top, memory foam; everyone has their own opinion on the best beds.
  2. Once your cart is ready, press “continue to checkout” and you will be directed to submit our risk-free application for a rental purchase agreement.
  3. If you are approved, you will be asked to pay the low $50 down payment processing fee and select the payment method that works for you with a credit card. Select from minimum monthly payments required, biweekly payments, or weekly payments with our progressive leasing.
  4. That’s all you need to do! You will receive your products quickly — often on the same day if you go pick it up at a local Best Buy near you! Participating locations and local inventory may vary, limited quantities may be available at some locations.
  5. Once your mattress is shipped out, we will notify you via email.

What You Need to Apply for Our Mattress Financing Program

When you are ready to apply to finance your mattress with a monthly payment, all you need to apply is the following:

  • Your social security number or ITIN.
  • A valid credit or debit card. You will have to pay $50 down payment upfront then you can set up the plan to fit your schedule.
  • Government issued ID such as a driver’s license, state ID or passport.
  • You must be 18 years or older to apply.

What are the Benefits of Rent to Own Mattresses?

If you need a new bed but don’t have the cash saved up to pay for it out of pocket, you can get rent-to-own mattress options to make things a bit easier for you and your wallet. What kind of credit needed? We work with people in all credit situations. You could get an instant credit approval from our lending partners today in minutes, with no hidden processing fee, even if your credit score is less than ideal.

Our bad credit mattress financing plans give you the ability to get approved for shopping credit to be used for rent-to-own furniture, electronics and home appliances!
Make easy equal monthly payments required with us. If your promo purchase date is during a promo period with our progressive leasing like affirm work, we offer a minimum interest charge for existing cardholders. For new accounts that purchase APR financing options for non promo purchases we still offer subject, interest free monthly payments but regular account terms apply and require no late monthly payment with a credit card. You can get a for lease to own mattress today, RTBShopper makes shopping online easy with a flexible financing program! Check out our wide selection of mattress protectors and toppers as well. Lease purchase agreement provided by progressive leasing partners, acquiring ownership is easy! You could get your mattress for less than the retailer's purchase price!

Get a lease to own mattress today!

If you are ready to get your mattress equal monthly payments required plan today, simply browse our site and start shopping now! We make it easy to find your perfect bed, and we offer a wide range of choice so that even people with less credit can get top notch furniture without worry about cash flow or whether they can afford an expensive purchase right away! A lease to own financing program will change how you make major purchases. See what other customers have said about their previous purchases with 0 APR financing and 0 shipping fees, and with an estimated payment amount of as little as $9 a month!
Worried about your credit score or credit history?
Get a rent to own mattress today! Our lease to own program with low progressive leasing costs, flexible monthly payment options instead of limited payment options, and a low initial down payment is perfect for you! Make your mattress purchase with us and get flexible, equal monthly payments AND a good nights rest.

1This price estimate is only an estimate, and is subject to applicable sales tax, approval & qualification. Same day pickup only valid for specific items at participating locations. Actual terms and total cost will be in your lease agreement or financing agreement.

Multiple financing offers may be available at checkout. Applications for financing are subject to eligibility, credit approval, state residency restrictions, and other qualifications. As low as prices do not reflect those financing offers.

No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

All of the personal information you provide when signing up or logging in to RTBShopper will be kept safe using SSL (secure socket layer) encryption software which ensures all data transmission between our servers and you is safe and secure.