When you buy a mattress at one of our Sleep Outfitters stores, we offer you a variety of ways to pay for your new bed including financing. Our financing providers, Synchrony Bank, Genesis Credit, and Koalafi Financial, offer a variety of mattress-financing options.


You can easily apply online 24/7; once approved, just bring your approval number in to one of our Sleep Outfitters stores when you're ready to buy your dream bed.


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5 years - 0% interest 1


On all purchases of $3,500 or more made with your Sleep Outfitters credit card from 10/11/22 to 11/1/22. Equal monthly payments required for 60 months.

Our financing options



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 fee2

•  Promotional Financing options available every day3

•  Convenient monthly payments

•  Online account access


1Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, 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. Regular account terms apply to non-promo purchases. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

2For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

3Subject to credit approval. Minimum monthly payments required. See store for details.



•  Low monthly payments

•  Credit lines up to $6,000

•  Up to 6 months special financing* or up to 12 months special financing*

•  Revolving line of credit

•  In-Store purchases only


*No Interest on Purchases If Paid In Full Within 6 Months or Within 12 Months. Deferred interest period is determined by creditworthiness, and if approved for a Genesis Credit Account, you will be notified if your purchases are subject to 6 months of deferred interest or 12 months of deferred interest. In all cases, interest will accrue and be charged to the account at an APR of 29.99% from the purchase date if the purchase is not paid in full by the end of the deferred interest period, or the account becomes 180 days past due or is charged off for any reason. Monthly minimum payments required. To view the Account pricing and terms, please click on the "Apply Now" button below. Genesis Credit Accounts are issued by First Electronic Bank, Member FDIC.



Simple. Fast. Transparent. Don't Let Credit Issues stop you from buying what you want. With Koalafi's high-tech, innovative decisioning there's a good chance you'll be approved for financing, even if your credit score is low. We have high approval rates because we don't work the same way traditional financings companies do. Our data scientists use artificial intelligence to continuously improve our process and provide you with better purchasing options. The Koalafi process is fast and easy with no hidden fees.



• Early Purchase Options

•  Approval Amounts Up to $5,000

• Lease‐to‐Own for up to 12 or 24 months**

•  Monthly Reporting to TransUnion to help build or repair your credit

•  Open Lease Lines to make more purchases in the future



•  Employment with $1,000/month income

• $300 Lease Minimum

•  Valid ID with SSN or ITIN number

•  Checking Account and Debit Card with $40 on it




Apply today in your favorite store or online, and we'll get you a decision within minutes so you can make the purchase you need, when you need it! Want to apply before coming in the store? Get pre-approved with our online application by clicking the button below and selecting the location where you want to shop.

*We do perform a credit check on the customer as a part of our application process. "No Credit Needed" does
not imply no credit check.
**Initial term less than 3 months; term renews each payment.

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