Financing & Payment Options
When you buy a mattress from Sleep Outfitters, we offer several payment options, including financing through Synchrony Bank. Our financing partners provide a variety of mattress financing plans to choose from.
Financing & Payment Options
When you buy a mattress from Sleep Outfitters, we offer several payment options, including financing through Synchrony Bank. Our financing partners provide a variety of mattress financing plans to choose from.
Sleep Outfitters Credit Card Details
The Sleep Outfitters USA credit card gives you the flexibility to buy today and pay over time. As a Sleep Outfitters USA cardholder, you'll enjoy benefits such as:
- No annual fee***
- Promotional financing options available every day***
- Convenient monthly payments
- Online account access
Already have a card? Manage Your Account or Submit Rebate Online
Choose From These Special Financing Offers
0% interest
for 24, 36, 48 or 60 months**
On purchases made with your Sleep Outfitters or Synchrony HOME credit card. Equal monthly payments required for 24, 36, 48 or 60 months. Promo fee of 2% of amount financed will be included in required monthly payments. We reserve the right to discontinue or alter the terms of this offer any time.
Minimum purchase requirements: 24 months: $999; 36 months: $1,999; 48 months: $4,999; 60 months: $6,999.
No Interest
if paid in full within 6 or 12 months*
On purchases made with your Sleep Outfitters or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months. Minimum monthly payments required. We reserve the right to discontinue or alter the terms of this offer any time.
Minimum purchase requirements: 6 months: $0; 12 months: $0
5.99% APR
for 60 months†
On purchases of $1,999 or more made with your Sleep Outfitters or Synchrony HOME credit card. Fixed monthly payments required for 60 months.
Additional Payment Options
We accept the following major credit cards:
Additional financing options are offered in store through Genesis Credit and Acima Leasing. See store for details.
*** Subject to credit approval. Minimum monthly payments required. See store for details
**Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
†Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. Interest will be charged on the promo purchase from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.9328% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
