financed by synchrony bank

Synchrony Bank is a primary lender. Apply for financing with Synchrony Bank below. Consider applying with a joint applicant to increase the chances of approval. 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.


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Multiple Finance Accounts and Credit Cards Can Be Combined to Make a Purchase!

When you apply for financing with Synchrony Bank, if not immediately approved, you may automatically be offered a prequalified financing offer from Fortiva Retail Credit which is a revolving credit line with an available credit limit that can be used multiple times. Once approved, simply bring your approved application number and photo identification to the Metro Mattress location nearest you or place your order online. Call or visit a Metro Mattress store location for complete 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!

Fortiva Retail Credit Card LOGO


Who is Fortiva Retail Credit?

The Fortiva® Retail Credit card issued by The Bank of Missouri, gives you the credit you need at retailers across America. We’re here to help you get the items you need. We offer low-cost payment alternatives to customers through our retail and home improvement partners. The process is fast, easy, and paperless.

Is there a promotional period?

Yes, there is a 6 or 12-month deferred interest option*

*Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.  Minimum Monthly Payments are required.  Required monthly payments may or may not pay off your purchase before the end of the promotional period.  To avoid paying the Deferred Interest Charges, you must pay the promotional purchase in full within the promotional period.  See Cardholder Agreement for details.

When I apply, is there an inquiry to a Credit Bureau?

Yes. If you would like to see if you are prequalified for a Fortiva Retail Credit Offer, you may do so, and a promotional inquiry (soft inquiry) will be placed on your credit bureau report.  If there are offers available and you decide to apply for those offers, your credit bureau report will be accessed to determine if you can be approved for those offers and a hard inquiry will be placed on your credit bureau report.

When will my payment be due?

Your first payment will be due approximately 30 days after your account is opened. You will receive billing statements that provide our payment due date which will be due on the same day of the month, each month