10 Buy Now Pay Later Mattresses (with Afterpay)

When looking for a buy now pay later mattress, you want to find a reliable company that offers the best terms. Afterpay operates on the premise that they can trust you to make the payment later. They only send you regular notifications. In case you miss your payments, they will only charge you a late fee. So, what are these companies that sell mattresses on a buy-now-pay-later basis?

A 0% APR means the company will not charge you any interest after purchasing the mattress for a certain period that the credit card company picks. Also, no interest is charged on a balance if you decide to use another credit card.

The following are the most popular mattresses with afterpay:

Mattresses with Afterpay

1. Nectar

Nectar also offers a buy now pay later mattress purchase option. This method of financing a mattress can be found on their elaborate Nectar mattress payment option plan.

The interest-free financing is available for 6 months and requires no credit check. Their overall approval process takes only 30 seconds and can be done with just your number. An example of 0% APR financing Nectar provides is a monthly $63 payment for 24 months at 0% interest rather than $1,500 up front.

So, the company literally is ready to be a part of your comfortable night sleep.

2. GhostBed

Another mattress company that offer afterpay is GhostBed. You can find their details related to this on their Payment Options page. The company partnered with both Affirm and Katapult to provide their customers with flexible payment options. That, they believe, is their best way to provide you with ‘supernatural’ bedtime comfort.

One thing you’ll love about GhostBed is that you can get this flexible payment option for all mattress sizes.

3. Purple Mattress

Purple offers two ways to pay for your mattress. Starting from as low as $55/month, Purple has bunked up with Affirm and Splitit for financing your mattress. For more details, see Purple Financing through the link.

Buyers have two options: (1) to use Splitit and your current credit card to break up payments or (2) to get a conventional loan from Affirm that lets the customer pay off a new line of credit over time.

purple mattress buy now pay later financing

Everyone can choose a monthly installment that works for them and that is one of the best things about their financing.

The range for the payment plan is between 2 and 24 months. Furthermore, even if you finance your mattress, you still get a 100-day return option. The payments you’ve made will be returned to you. All these are meant to help you start getting the most restful sleep at night right away.

Therefore, rest easy knowing well that you have your 100-day trial.

4. Layla 

With a bit of information, you can get a real-time decision in approximately 2 minutes. Layla offers a 0% financing option and does not even charge late fees. Not only is mattress financing with Layla and Affirm simple, but we also guarantee that you will never be charged late fees, regardless of the circumstances.

Life comes with its surprises, and Layla can help you stretch and flow with it. If you need additional time to make a payment, the company will never charge you a late fee…That is their guarantee!

5. SweetNight

SweetNight also offers afterpay financing by partnering with Affirm. The split payment service allows buyers to purchase their mattress over a period of time. Their customers can pay for the mattress over 8 weeks with no interest or additional feeds as long as payments are made on time.

The financing option is available for twin, full, queen, and king size mattresses. Check out their financing options in their page here.

What’s good about SweetNight afterpay? One, you will get an Instant Approval Decision without any long forms! Second, you’ll know if you’re approved instantly and your order will ship as usual.

Memory foam mattresses with afterpay.

6. Ecosa Mattress

When you’ve shopped at Ecosa Mattress, you might have noticed that they also buy now pay later options for mattresses.

Besides, their mattresses are budget-friendly and still comes with exciting afterpay options that you can enjoy. You will pay it off in four installments that should be made after every 14 days.

7. PlushBeds

PlushBeds also offer their natural latex and other mattresses at 0% APR if customers can pay within 6 months. However, this is dependent on orders above $499. Orders above $799 also get 0% APR as long as the buyer manages to pay it within 12 months.

So, if you’re looking for a mattress that you can pay for a long time at no interest rate then PlusBeds is your best friend.

The company also uses Klarna as their financial service provider.

8. Helix

If all the above mattress brands do not impress you, Helix is also another great mattress that has a buy now pay later option. Their afterpay service is offered in association with Klarna to provide customers with low APR financing. This will be done in a 4 interest-free installments option.

A buyer simply needs to choose the “Pay over time with Klarna” option during checkout. In addition, their deal is available to people with low or no FICO scores because Katapult with offer them alternative financing.

In their financing page, Helix Sleep indicates in detail the application process for securing your mattress.

What reason is there not to get a comfortable mattress?

9. Zinus

Zinus provides economy mattresses and bed frames. However, their approval for buy now pay later is based on a soft credit check and available through Affirm.

Other Buy Now Pay Later Mattresses

The mattress brands that allow you to buy now and pay later via online financing (such as Affirm). Here’s our detailed breakdown of mattresses, as well as the financing alternatives available.

Other mattresses with afterpay options include the following:

  • Luma Sleep – No Interest if paid in full in 6 months on purchases of $99 or more.
  • Casper – Casper also uses Affirm for payments as low as $61/month at 0% APR.
  • DreamCloud – The company breaks down its financing by monthly payment/bed size upon purchase.
  • Nolah – Nolah mattress uses Klarna and payment starts at 0% APR, pay over 6, 12 or 24 months.
  • Molecule Sleep – This high end athletic recovery mattress also has a buy now pay later option that starts at $61/month with Klarna.
  • Puffy – Puffy uses Klarna who has even better terms than Affirm.
  • Saatva – The company also partnered with Klarna to give customers an easy-to-use financing option that allows you to pay for your mattress over time with as low as 0% APR.
  • WinkBeds – Wink Beds offers flexible financing if you have a low credit score, lease-to-own with Katapult.
  • Brooklyn Bedding –  You can pay over 3, 6 or 12 months with Brooklyn Bedding financing rates between 0%-30% APR. The company uses Affirm.

Afterpay Mattresses that Do Not Require Credit

Sometimes, you are only interested in a mattress that asks for the lowest monthly payment and you don’t have credit. Other times, you don’t want anybody pulling your credit report but getting a mattress immediately is inevitable, you have two ideal options.

  • Helix
  • Nest Bedding

Nest Bedding

Nest Bedding also has financing options that make it possible for anyone to own a new mattress.

Nest Bedding uses Affirm and Katapult to offer flexible mattress payment alternatives to people with low and even no FICO scores.


Naturepedic has been in existence since 2003. Although their mattresses have no flame retardants or polyurethane foam used, people love them because they are certified organic natural mattresses.

The company provides customers with an option to select Affirm Financing at checkout so you can enjoy the buy now pay later terms.

Other benefits of Naturepedic mattresses include:

  • NO formaldehyde
  • NO vinyl
  • NO glues or adhesives
  • NO pesticides
  • NO GMOs
  • NO environmentally irresponsible felled wood, and
  • NO mistreatment of the sheep that supply the wool.