Financing and Lease-To-Own Options

0% APR FOR 60 MONTHS** Synchrony Financing Offer:  On in-store purchases of $4,999.99+ made with your Metro Mattress credit card. Equal monthly payments are required for 60 months. 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.

Financing and Purchase Options

At Metro Mattress, our goal is to help you find a mattress that will give you a great night’s sleep, every night. That includes providing finance and purchase options to fit every budget.

Finance Options

Don’t lose sleep over purchasing a mattress. Whatever your individual needs, Metro Mattress has financing options for you. Look through our financing options below, apply for one, or both and discover the best option for your budget.

Synchrony HOME Credit Card

Sleep more and worry less with the Synchrony HOME Credit Card. Advantages of the Synchrony HOME Credit Card include:

  • Special financing options are available from 6 to 60 months.
  • 24/7 user-friendly account management.
  • Convenient monthly payments and special financing options are available every day.
  • A dedicated credit line for bedding needs, that can be used time and time again.

Learn more about the Synchrony HOME Credit Card, and apply today! If you are not approved, you may be offered a financing option by Fortiva, a revolving retail credit line.

Koalafi No Credit Needed

Don’t toss and turn worrying about a credit check, Koalafi Financing is a no-credit-needed finance option. Benefits of Koalafi Financing include:

  • High approval rates.
  • Instant decision.
  • Flexible payment options.
  • Clear and simple terms.

Complete the no-credit-needed application with Koalafi Financing today! Once you’ve been approved, your approved credit limit will be available.

I Was Approved, Now What?

After you’ve been approved, bring your application number and photo identification to a Metro Mattress near you, or make a purchase online. If you have any questions, call Metro Mattress at 1-888-BEDROOM, chat online, or visit a Metro Mattress near you.

Mattress Financing and Purchasing FAQs


At Metro Mattress we have a variety of financing options, to make sure you have all the resources available to have a good night's sleep. Financing options at Metro Mattress include:

  • Synchrony HOME Credit Card or Fortiva Credit
  • Koalafi Financing

No, you can purchase a mattress outright if you prefer. Financing options are available to ensure a new mattress is available with any budget.

Yes, if you would prefer a no-credit-needed finance option, Koalafi Financing would be the best option for you.

Yes, you can use your application number and approved finance option when purchasing a mattress online with Metro Mattress.

After you’ve been approved, bring your application number and photo identification to a Metro Mattress near you, or make a purchase online.

*No Credit Needed Disclaimer. We do perform a credit check on customers as part of our application process. “No Credit Needed” does not imply no credit check. This is a lease-to-own product. You will not own the leased items unless you make all scheduled payments or prepay in accordance with the lease. Details may vary by state.