financed by synchrony bank

0% APR FOR 60 MONTHS* On in-store purchases made with your Metro Mattress credit card, along with a minimum pre-tax purchase of $4,999.99 and a 10% down payment. Equal monthly payments 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.

  • SECURE CREDIT APPLICATION

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

Metro Mattress financing is provided by Synchrony Bank.  You may automatically be offered a prequalified financing offer from Fortiva. If not immediately approved, apply for Koalafi from West Creek Financial. If approved online, simply bring your approved application, account number, and photo identification to the Metro Mattress nearest you. Applying online will save you time and allow you to shop for your new mattress set knowing your approved credit limit. Minimum monthly payments required. Subject to Credit Approval. Call or visit a Metro Mattress store location for complete details.

You can access your Synchrony Bank Financing account online!  Manage your existing Synchrony Bank account.

FREQUENTLY ASKED QUESTIONS

Who do I contact for general questions about a Synchrony Bank account or about my online credit application?

Call Synchrony Bank at 1-866-396-8254 or write to:

Synchrony Bank
PO Box 965033
Orlando, FL 32896-5033

Once approved, when will I receive my Metro Mattress preferred customer credit card in the mail?

You should receive your credit card 10 to 14 business day after the application is approved by Synchrony Bank.

Do I have to wait to receive my Metro Mattress preferred customer credit card before I can make a purchase?

No. If your application is approved, you may visit the store to make or finalize your purchase with your account. If your credit application is approved, you will receive confirmation with your account number and credit limit. Simply print off the page with your account number and credit limit and utilize that until you receive your card in the mail.

If I have forgotten my Metro Mattress preferred customer credit card can I still charge purchases to my account?

Absolutely. As long as you have available credit you may still charge purchases to your account. You will be required to provide photo identification in order to verify your information before processing a charge on your Metro Mattress Preferred Customer Credit Card.

When will I receive my first billing statement?

You should expect to receive your first billing statement 30 – 45 days after receipt of your merchandise. If you do not receive your billing statement within this time please contact Synchrony Bank Customer Service at 1-866-396-8254.

When is my payment due?

Your payment due date is listed on your individual billing statement. If you require further assistance, please contact Synchrony Bank Customer Service at 1-866-396-8254.

Where do I send my payment?

Payments are to be sent directly to Synchrony Bank:

For Regular Mail:
Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061

How do I request a credit limit increase?

You may request a credit limit increase by contacting Synchrony Bank Customer Service at 1-866-396-8254.

What should I do if my Metro Mattress preferred customer credit card is lost or stolen?

Contact Synchrony Bank Customer Service immediately at 1-866-396-8254.

0% APR FOR 60 MONTHS* On in-store purchases made with your Metro Mattress credit card, along with a minimum pre-tax purchase of $4,999.99 and a 10% down payment. Equal monthly payments 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.

^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 from Koalafi. 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.