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.
• 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.

0 Interest with equal monthly payments for 60 months**

On purchases of $4999 or more after discounts made with your Synchrony HOME™ Credit Card. Promo fee of 2% of amount financed will be included in required monthly payments.
**Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. For New Accounts: As of 07/16/2024, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

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.

**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.