Sleep Now, Pay Later

Easy Mattress Financing Options

0% APR Financing*

Great sleep can't wait, but payment can.

With Affirm and SplititPayBright, you’ve got options that make purchasing easy, with or without credit.

No hidden fees, no surprises.

Pair with our 101-Night Sleep Trial and make low monthly payments as you decide what you think of your new GhostBed mattress.

  • Choose your payment terms, with options from 3 to 36 months depending on your order
  • Finance your mattress for as little as 0% APR financing.*
  • Quick & easy approval process, with no hit to your credit score
  • Easy monthly payments via debit card or bank transfer. Learn more about Affirm
  • Use an existing Visa or Mastercard credit card to pay over time
  • Choose your payment terms, from 2 to 12 months
  • No applications, credit check or registration required to get started
  • 0% interest and NO late fees—ever
  • Choose your payment terms, with options from 3 to 36 months depending on your order
  • Finance your mattress for as little as 0% APR financing.*
  • Quick & easy approval process, with no hit to your credit score
  • Easy monthly payments via debit card or bank transfer. Learn more about Affirm

Pre-Qualify Now

Convenient

No need to wait! Finance your mattress to complete your purchase today and make easy monthly payments via credit card, debit card or bank transfer.

Flexible

The option to pay later is available to most customers, whether you buy with Affirm or Splitit.

Transparent

You’ll know exactly what you'll pay upfront, without any surprises.

Loading Pricing Loading Pricing...

Estimate Your Finance Options

As Low As $0 Down, 0% APR

Select your mattress and size below to see sample payment plans:

Affirm Financing - How It Works

Select Affirm at Checkout

Enter a few pieces of information for a real-time decision from Affirm. Checking your eligibility won't affect your credit score.

Choose How to Pay

Within seconds you’ll see your payment options, which can range from 3-to-36-month terms depending on the items in your order. Select the schedule you like best, then confirm your payment plan. You'll never be charged more than you see upfront.

Make Easy Monthly Payments

Your first monthly payment is due 30 days after we’ve processed your order. After that, you'll get monthly email & SMS reminders about your upcoming payments, which can be paid through the Affirm app or online Affirm account. No late fees, and no surprises.

PayBright Financing - How It Works

Select PayBright at Checkout

Enter a few pieces of information for a real-time decision from PayBright. Checking your eligibility won't affect your credit score.

Choose How to Pay

Within seconds you’ll see your payment options, which can range from 3-to-36-month terms depending on the items in your order. Select the schedule you like best, then confirm your payment plan. You'll never be charged more than you see upfront.

Make Easy Monthly Payments

Your first monthly payment is due 30 days after we’ve processed your order. After that, you'll get monthly email & SMS reminders about your upcoming payments, which can be paid through the PayBright app or online PayBright account. No late fees, and no surprises.

Splitit - How It Works

Select Splitit at Checkout

Choose the Splitit option at checkout and enter your credit card information to get started. No registration, application or credit check required.

Choose Your Payment Schedule

Select your preferred number of payments to see how your purchase will break down and your payment schedule will look.

Pay Over Time

At the time of purchase, you will only be charged for your first payment. The remaining balance will be held on your credit card, reducing each month until your final payment is made via Splitit.

Other Payment Options

If your loan is not approved by Affirm or if you don’t have the funds available to use Splitit, you’ve still got options! Learn more about Katapult, our lease-to-own partner, here. No credit history or credit card needed— just $45 to start.

FAQs

Dropdown Menu How does Splitit work?
Dropdown Menu What is Affirm?
Dropdown Menu Why buy with Affirm?
Dropdown Menu How does Affirm approve borrowers for loans?
Dropdown Menu Does Affirm perform a credit check?
Dropdown Menu How do I make my payments?
Dropdown Menu Are there any interest or fees associated with Affirm loans, like late fees or interest?
Dropdown Menu What is PayBright?
Dropdown Menu Why buy with PayBright?
Dropdown Menu How does PayBright approve borrowers for loans?
Dropdown Menu Does PayBright perform a credit check?
Dropdown Menu How do I make my payments?
Dropdown Menu Are there any interest or fees associated with PayBright loans, like late fees or interest?
Dropdown Menu What is Splitit?
Dropdown Menu What fees does Splitit charge?
Dropdown Menu How do I track my payments with Splitit?
Dropdown Menu What happens to my credit score if I use Splitit?
Dropdown Menu What is Katapult?
Dropdown Menu What is Lease-To-Own?
Dropdown Menu I was previously approved by Katapult... How do I complete my order?
Dropdown Menu How much do I have to pay to start my lease with Katapult?
Dropdown Menu I'm trying to check out and I do not see a Katapult option? What should I do?
Dropdown Menu I already have a lease with Katapult. Do I have to pay $45 to get more items?
Dropdown Menu I'm trying to sign my lease agreement and the "agree" button is greyed out. What should I do?