Apply for either option or both. Multiple finance accounts and credit cards can be combined to make a purchase.

OPTION 1    Apply for financing with Synchrony Bank. Special Financing Available for up to 60 Months^ ** on qualifying purchases. Consider applying with a joint applicant if possible. If not approved by Synchrony Bank, you may be prequalified for a financing offer from Fortiva Retail Credit.  If not approved by Synchrony or Fortiva Retail Credit, apply for Koalafi from West Creek Financial.

OPTION 2  Apply for the Koalafi from West Creek Financial No-Credit-Needed option with high approval rates and flexible payment options.

Bring your approved application number and photo identification to the Metro Mattress store nearest you or make your purchase online immediately. Call, chat or visit us for details.

You can access and manage your existing Fortiva Retail Credit account online to make a payment, see your balance, receive customizable alerts, and more!

Everyday current financing offers are subject to change and may be superseded by promotional events and other special financing offers at any time including reduced minimum purchase requirements. Please see Special Offers, call, or visit any Metro Mattress store for details.

^Subject to credit approval. Minimum monthly payments required. Interest-Free with Payments:  Offer applies only to single-receipt qualifying purchases. No monthly interest will be charged on promo purchase and equal monthly payments are required equal to initial promo purchase amount divided equally by the number of months in promo period until promo is paid in full. The equal monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

**Special Financing.  Offer applies only to single-receipt qualifying purchases. No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within the number of months in the promo period. If you do not, interest will be charged on the promo purchase from the promo purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after the promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

†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.