
$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:
✅ 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:
💰 You pay only $20 plus $1.50 in sales tax at checkout.
🚚 Take your mattress home immediately or have it delivered.
📅 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.
📌 Use these routing numbers when applying:
How to Qualify
To get pre-approved, you just need:
✅ 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:
💰 You pay only $20 plus $1.50 in sales tax at checkout.
🚚 Take your mattress home immediately or have it delivered.
📅 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.
📌 Use these routing numbers when applying:
- Chime Routing #: 031101114
- Cash App Routing #: 041208777