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 logo featuring the company name in lowercase letters with a yellow bar graph icon on the left, set against a dark background.

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 logo with slogan "Simply for everyone" on a blue background.

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.

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.