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 in store purchases only. Please feel free to contact any of our store locations and we will be happy to answer any questions you may have.

Mattress Depot USA offers No Credit Needed Financing program through SNAP! Finance. To get started, simply stop by at any Mattress Depot USA location or start the pre-approval process online.


This program is perfect if you have no credit, bad credit, bankruptcy or whatever your credit situation may be, you can qualify for up to $3000 instant credit.

Program Benefits:

  • Up to $3,000 approval amount per person, or $6,000 per couple.
  • Only $39 down payment total no matter how much you are approved for.
  • 100 Day “Same as Cash” early payoff option.
  • 90% approval rate within 5 second of completing the application.
  • Easy Online “Paperless” payment option.

Simply apply online and bring in your paperwork to any Mattress Depot USA location. Valid on purchases in store only. In store credit amount is based on approved financing.

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.