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Sleep now, Pay over time

Sleep now, Pay over time

Split your payment 4 ways for orders under $1,000 or finance larger payments over 6, 12, and 18 months all at a 0% APR.

How Does Amerisleep Financing Work?

0% Interest. Always.

Don’t pay extra to sleep your best. Amerisleep Financing offers payment plans at 0% interest.

Split Your Payments

Flexible terms give you the freedom to choose what’s right for your budget so you can sleep better soon.

Easy Application

Amerisleep Financing uses a simple application form in order to see if you qualify for any of our payment plans.

Get Better Sleep Within Your Budget

How to Check Out with Financing by Amerisleep Pay & Klarna

We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it. Here’s how it works:

  • Add products to your cart

    Then select “Klarna” when you check out

  • Enter a few personal details

    You’ll know instantly if you’re approved

  • Get periodic emails.

    Klarna will send you an email confirmation and reminders when it’s time to pay

  • Use Klarna seamlessly

    You can complete your future Klarna purchases with just one click

Everybody Should Be Able to Afford Healthy Sleep

Enjoy your perfect mattress

With Amerisleep Financing, our luxury mattress models are now available at your fingertips. So go ahead, buy the best one for you.

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Have questions about our mattress financing solution? Our support team is here to help.

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Frequently asked questions

How does Amerisleep’s free mattress financing work?

Amerisleep Financing offers a super simple solution to interest-free financing. Choose the mattress you want, head on over to checkout, plug in your shipping information, then select financing with Klarna as your payment option, and fill out your credit application form.

Orders under $1,000 are eligible to split the payment 4 ways over 6 weeks. Orders over $1,000 have the option of 6, 12, and 18 month financing at 0% interest.

*Monthly financing through Klarna issued by WebBank, member FDIC.

Will using Amerisleep Financing affect my credit?

For the Pay in 4 option, we will perform a credit check when that won’t affect your credit score in any way. However, for any longer-term mattress financing plans, Amerisleep Financing powered by Klarna may affect your credit score. We might perform a credit check with credit reference agencies to complete your credit assessment. This credit check will show up as an inquiry on your credit report, will be visible to other parties and might impact your credit score. Monthly financing through a Klarna credit account is issued by WebBank, member FDIC.

Do you need a certain credit score to qualify for financing with Amerisleep?

Nope. We do not have a minimum credit score to qualify for financing. In fact, you can still be approved even without any credit history! Instead, Amerisleep Financing and Klarna use a variety of criteria to instantly determine if you are eligible for any of our payment plans.

What happens if I can’t pay on time?

Life happens, and you shouldn’t let stress over affording quality sleep stop you from achieving the healthy rest you need. That’s why Amerisleep Financing never charges interest. Through our partnership with Klarna, you can contact them to discuss different repayment options as well as deferral options. In some cases, Klarna may charge a $7 late fee for missed Pay in 4 installments or up to $35 per missed month for longer term financing.

Do I still get a 100-day return option when I finance?

Yes! Regardless of how you pay, our mattresses still come with a 100-night sleep trial. If you’re unhappy with the mattress, you have the option to return it for a refund within the 100-night timeframe. If you’re interested in a return, give our team a call and we’ll get the ball rolling. To ensure optimal adjustment, we ask customers to trial their mattress for at least 30 nights prior to initiating a return. This allows for a thorough experience to truly decide if the mattress is right for you.

How do I return my mattress if I use Amerisleep Financing?

Mattress returns are the same no matter how you pay for your purchase! Give us a call within your 100-night trial period to coordinate the return. To ensure optimal adjustment, we ask customers to trial their mattress for at least 30 nights prior to initiating a return. This allows for a thorough experience to truly decide if the mattress is right for you.

Please note: Mattress financing refund amounts will only reflect your mattress payments to-date.

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