We believe everyone deserves a great night’s sleep. Mattress Depot USA offers several kinds of financing or payment plans to meet your needs. We have several options that can help you get the mattress of your dreams today! Financing is available for online and in-store purchases. Please feel free to call us or directly contact any of our store locations and we will be happy to answer any questions you may have.

Snap offers flexible lease-to-own financing. Get Approved

Snap Finance


Credit Challenged and Need Financing?

Mattress Depot USA has partnered with Snap Finance, a lease-to-own provider, to offer you accessible financing even if you’re credit is not so stellar.  It takes just seconds to get an answer.


Apply Online

Shop online and directly apply for Snap lease-to-own financing at checkout.  Learn more

Shop In-store

Simply stop by at any Mattress Depot USA location and apply in-person.



Mattress Depot USA has a variety of competitive financing options* in store. If approved, you will receive a Wells Fargo Home Furnishing credit card that can be used all at once or over multiple purchases at any Mattress Depot USA location.

The benefits of this program include:

  • Convenient monthly payments to fit your budget
  • No Annual Fees
  • Open Line of Credit for all your purchasing needs
  • Quick Credit Decisions
  • Special financing terms where available
  • Easy-to-use online account management and bill payment options

*The Wells Fargo Home Furnishings credit card is issued with approved credit by Wells Fargo Financial National Bank. To apply, please visit your nearest store.

Mattress Depot USA partnered with OneMain Financial to offer various consumer loans to credit challenged individuals. The loan professionals at OneMain Financial Services can provide the funds you need to make your purchase, by helping you get a personal loan with affordable fixed monthly payments and no prepayment penalties.

To start your personal loan processes simply visit OneMain online or visit a branch location. Once you have completed the application process, you will receive your funds at your local OneMain branch office. Now you are ready to come shop at your local Mattress Depot USA location and get the mattress you deserve.

Loans are subject to normal credit policies.