Mattress Warehouse Financing and Credit Card Options


Buying a bed shouldn't be a reason you lose sleep — that’s why Mattress Warehouse offers flexible mattress financing options. Apply today!


Apply for financing now 

What Is Mattress Warehouse's Mattress Financing Option?

Mattress Warehouse teamed up with Synchrony Financing to provide more flexible payment options to our customers. With more spending power and time to pay, you don’t have to wait to get better sleep.

Whether it’s time to finally upgrade the mattress you’ve been sleeping on for the last decade or it’s time for your child to get their first “real” bed, paying for your mattress shouldn’t stop you and your family from sleeping on a high-quality bed. Buying a mattress from Mattress Warehouse has never been easier with flexible financing by Synchrony.


How Do Mattress Payment Plans Work at Mattress Warehouse?

  1. Apply For Credit

    Synchrony aims to make your credit card application fast and hassle-free. Apply here to enjoy special financing when buying at any of our conveniently located showrooms.

  2. Explore Offers
    Take advantage of our special financing offers — so you get more purchasing power and more time to pay.
  3. Pay Your Way
    With Mattress Warehouse mattress payment plans, pay your bill online, over the phone, via check, or bank transfer.


Mattress Warehouse Mattress Payment Plan Options

No Interest if paid in full within 6 or 12 months*

On purchases made with your Mattress Warehouse Synchrony HOME credit card. 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 required. Minimum purchase for 6 months: $299; 12 months: $599

No interest for 24,36,48 or 60 months**

On purchases made with your Mattress Warehouse Synchrony HOME credit card. Equal monthly payments required for 24,36,48 or 60 months. Minimum purchase for 24 months: $999+, 36 months: $1,299+, 48 months: $1,999+, 60 months: $2,049+.


Apply for financing now

Calculate Your Monthly Mattress Payments with Synchrony

Financing can help you pay for a big purchase with manageable mattress monthly payments. Synchrony offers a calculator that will help estimate your monthly payments based on the amount you’d like to finance and the promotional financing offer you choose. All you have to do is answer three questions.


What are the benefits of having a Mattress Warehouse Synchrony HOME Credit Card? 

  • Flexible Financing

    Convenient financing options available^

  • Cash Back

    2% cashback paid as a statement credit on purchases under $299.1

  • Pay Your Way

    Convenient payment options include our online portal, over the phone, checks, or money orders.

  • No Annual Fee

    No annual fee2 and the ability to request a credit limit increase3 with just a few clicks.

  • On-The-Go Access

    Anywhere, anytime online account access to manage your account or access customer service.

  • Credit Score Reports
    Free credit score monitoring as you make mattress payments.

  • Fraud Protection

    $0 fraud liability means you’re 100% protected during your mattress monthly payments.

  • Autopay Enrollment

    Choose for your payment amount to be automatically deducted from your bank account.


    Manage Your Account with Synchrony

    Make payments, view your balance, update account information, and schedule up to 12 payments at a time.

    Manage Your Account

    How can I make a payment on my Mattress Warehouse Synchrony Bank¹ Credit Card? 

    There are three convenient ways to pay your bill.

    Pay Online: Click here to manage your account and make payments online.

    Pay by Phone: Contact Synchrony Bank Customer Service 1-866-396-8254 during the hours listed below to make a payment by phone.

    Monday - Sunday 7:30 am to 12:00 midnight EST

    Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

    Synchrony Bank

    P.O. Box 960061

    Orlando, Florida 32896-0061 

    ^Subject to credit approval. Minimum monthly payments required. See store for details.
    *Qualifying purchase amount must be on one receipt. No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. 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.
    **Qualifying purchase amount must be on one receipt. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and 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.
    ¹ Net card purchases (purchases minus returns and adjustments) less than $299 made with the Synchrony HOME Credit Card will earn 2% cash back rewards paid as a statement credit. Statement credits will be issued within 1-2 billing cycles after qualifying purchase is made. Fees and interest charges do not qualify for rewards. Account must remain open, in good standing, and not become delinquent. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.
    2 For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.
    3 You may be required to provide your annual net income if we do not have your recent information on file.
    Synchrony Visa Rebate promotion
    *Subject to credit approval. Rebate in the form of a Synchrony Visa Prepaid Card. To be eligible to receive a rebate under this offer you must: (1) open and use a new Mattress Warehouse Synchrony HOME credit card issued by Synchrony Bank (“the Card”) at any Mattress Warehouse location and make a purchase totaling $999 or more from 7/1 – 7/31/2020 with the Card; and (2) complete and submit a rebate form, together with a copy of the original receipt or the Synchrony Authorization Draft, that is postmarked by 8/30/2020. One rebate per new account. See store for details. Visa Prepaid Card will be sent to your address within 6 to 8 weeks, after receipt of the completed rebate form. If the Visa Prepaid Card is not received after 8 weeks, you should call (833) 334-4676 or visit to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 11/14/2020 or all rights hereunder will expire.
    Visa Prepaid Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used everywhere Visa debit cards are accepted. Card valid for up to 6 months; unused funds will forfeit after the valid thru date. Card terms and conditions apply. MetaBank or Visa does not sponsor or endorse the Synchrony Installment program.