Financing Options
Sleep Now. Pay Later!
At Mattress Xtreme, we believe everyone deserves a great night’s sleep—no matter their budget. That’s why we offer flexible financing options to make getting the comfort you need easier and more affordable than ever.
What You Can Expect ✅
Fast, Easy Applications – Apply online or in-store in just minutes.
Flexible Terms – Choose a payment plan that works for your lifestyle.
No Hidden Fees – What you see is what you get—always transparent.
0% Interest & $0 Down – Available on qualifying purchases for a limited time.
Easy, Fast, and Secure 💳
We partner with trusted financing providers to offer fast approvals and simple payment plans. Whether you have excellent credit, limited credit, or are working to rebuild it, we’ve got solutions designed to work for you.
Our Financing Partners
We proudly offer flexible financing through the trusted providers below—each with unique advantages to help you get the comfort you need today, and pay over time.
Synchrony Financial
Synchrony is one of the most established names in consumer financing. With a quick and secure application process, Synchrony offers special promotional financing including 0% interest for qualifying purchases. Whether you're upgrading your sleep setup or furnishing a new space, Synchrony helps you spread out the cost in manageable monthly payments—without surprise fees.
Why customers choose Synchrony:
Fast, in-store or online applications
High approval rates
0% interest options available (on approved credit)
Trusted nationwide
Straightforward monthly payments
If you're looking for a reliable, traditional financing option with competitive terms, Synchrony is the way to go.
Koalafi
Koalafi specializes in helping customers get approved—even if your credit isn’t perfect. With no-credit-needed options, instant decisions, and transparent lease-to-own terms, Koalafi gives you another way to bring home the mattress you deserve—without paying everything upfront.
Why customers love Koalafi:
No credit needed to apply
Fast approvals—even with less-than-perfect credit
Clear, flexible lease-to-own options
Easy-to-understand terms
A great fit for customers seeking flexibility and speed
0 down, 0% interest options
If you've had credit challenges in the past or just want a hassle-free option, Koalafi makes it easy to buy now and pay later—with confidence.
Acima leasing makes getting the mattress you need fast, affordable, and worry-free. With low upfront payments, flexible payment plans, and no long-term credit commitment, you can enjoy top brands today without draining your savings. Approvals are simple and quick, even with imperfect credit, so you won’t miss out on sales or delivery timelines. Acima’s transparent terms, convenient online account management, and easy end-of-lease options give you control—upgrade, purchase, or return when the term ends. For veteran-owned Mattress Xtreme customers, Acima helps turn a better night’s sleep into an achievable, budget-friendly reality. Visit us to apply and get same-day delivery on the mattress that fits your life.
Acima
Not sure which option is best for you?
Stop by our store or give us a call—we’ll walk you through the best financing path based on your needs and make sure you leave with the sleep setup you’ve been dreaming of.