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Vive is a Revolving Credit Card 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 Vive account online to make a payment, change your payment plan, manage early buyout options, and more!


Who is Vive Financial?

Vive was founded in 1983 and is a revolving credit card. In addition to consumer financing for retailers such as mattresses, we also finance medical services and other retail environments.

What is the Interest Rate?

35.99 % Fixed APR

Are there Promotional Programs Available?

Yes, promotional programs are available at invoice thresholds:

  • $0 ‐ $598.99 = Standard Charge
  • $599.00 ‐ $1998.99 = 6 Months Deferred Interest
  • $1999.00 and above = 12 Months Deferred Interest

What will my payment be?

Minimum Payment is $25, 4% of Highest Balance, or 1% plus interest and fees, whichever is greater.  For instance, on a purchase of $2000, the payment would be $83 per month.

How much credit will I receive?

Credit limits are based on each individual and range from $600 to $7,000.

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

Yes, if the application is sent to Vive, there will be an inquiry from a Credit Bureau. Most of time the credit report is obtained from Equifax.

When is my payment due?

The first payment is due approximately 25 days after the merchandise is delivered.