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Mattress Financing Bad Credit

Best 10’s Verdict

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#1 Rated: Saatva Classic

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Mattress financing with bad credit is not only possible but also practical.

It is convenient to buy a mattress now without fully paying for it using services like Klarna or Afterpay.

'Buy now, pay later' services like this do not actually pull your credit report. Basically, they allow you to manage your mattress invoice by splitting it into manageable payments.

It is a great way to set up an easy, basic payment structure for paying back your mattress over time.

Almost all brands offer financing options.

Which brand offers both excellent value and financing? The Saatva Classic. A premium hybrid innerspring similar to those found in legitimately incredible 5-star hotels around the world.

The pros of financing a new mattress outweigh the cons.

Ignore clickbait online. There is no predatory element to this method of mattress shopping. It's likely your best (and sometimes) only solution.

Pros With Using Mattress Financing If You Have Bad Credit

Here are 6 main benefits of mattress financing to consider:

• Won't affect your credit score.
• Don't have to pay in full, which is a large financial commitment.
• You can set up basic payment plans to pay back your mattress.
• Allows allows you to keep your money invested, and still buy that expensive item you want.
• Generally a very smart way to shop as long as you ensure you don't miss any monthly payments.
• No interest if you miss a payment, only late fees (which is better than missing payments with a credit card).

Saatva Classic is the #1 affordable, luxury mattress available. Saatva offers financing with 0% interest. A reputable brand that makes high-quality mattresses that are built to last. Extremely comfortable.

The Saatva Classic mattress comes with a 365-night trial period and a lifetime warranty. Overall an excellent company with favorable policies.

Cons With Using Mattress Financing If You Have Bad Credit

Even though mattress financing has many advantages, there is still 1 drawback to be aware of:

• You're forced to keep track of your monthly payments (not a problem if you're responsible).

Is Mattress Financing Predatory?

No. Mattress financing (especially if you have bad credit) is absolutely not predatory.

Mattress financing (e.g. Klarna or Afterpay) can promote irresponsible spending habits.

In the end, each individual is responsible for making their own financial decisions.

Inflation makes it difficult for most people to afford a $500 bill. With buy now, pay later services, people can purchase items they need (or sometimes want) without having to pay upfront.

We don't recommend using buy now, pay later unless you're confident in your financial ability to pay it back.

Saatva Classic is an affordable, high-quality mattress you may be able to afford. 100% worth the money.

If you can't afford a new mattress right now, Saatva Classic offers financing through Affirm. The company has amazing customer support and favorable policies.

How Do I Get Refunded If I Return My Mattress After Using Financing?

In the event of a return, Afterpay handles the refund (not the merchant).

Makes it easier to return in 1-2 weeks (or if you're simply not sure and want to test out a mattress).

Are There Alternatives To Buy A Mattress Without Financing?

Yes. You can buy a mattress in cash (or with your credit card).

Alternatives are unlikely unless a mattress brand chooses to use multiple 'buy now, pay later' options (which is relatively unusual).

Some other popular Afterpay competitors include Klarna and Affirm.

See Exclusive Black Friday Deal

#1 Rated: Saatva Classic

Saatva is our #1 best mattress for 2022! 50k+ 5-star reviews.

FREE white-glove delivery

51,927 

 reviews

Claim My Deal →
See Exclusive Black Friday Deal →
Claim My Deal →