When you buy a mattress at one of our Sleep Outfitters stores, we offer you a variety of ways to pay for your new bed including financing. Our financing providers, Wells Fargo Bank, N.A., Genesis Credit, and West Creek Financial, offer a variety of mattress-financing options. You can easily apply online 24/7; just bring your approval number into one of our Sleep Outfitters stores when you're ready to buy your dream bed.

Our Mattress Financing Options

  • Wells Fargo - Mattress Financing
  • Genesis Credit® Accounts Offer:
  • No Credit Needed Option from West Creek Financial

Wells Fargo - Mattress Financing

The Sleep Outfitters USA credit card* gives you the flexibility to buy today and pay over time.

As an Innovative Mattress Solutions cardholder, you'll enjoy benefits such as:

  • Convenient monthly payments
  • A revolving line of credit for all your purchasing needs
  • Special promotional offers where available
  • An easy-to-use online bill payment option

If you choose to Apply Online, you must provide an e-mail address. If we are able to complete the evaluation of your application within approximately 45 seconds, we will notify you of the credit decision online.

*The Sleep Outfitters USA credit card is issued by Wells Fargo Bank, N.A. Special terms for 5 years (60 months) apply to qualifying purchases charged with approved credit. The special terms will continue to apply until all qualifying purchases are paid in full. Min purchase of $3,000 for 5 years financing. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 07/01/19 and is subject to change. For current information, call us at 1-800-431-5921. *Offer expires 08/10/2019. Prior sales excluded.

Apply Here

Genesis Credit® Accounts Offer:

  • Low monthly payments
  • Credit lines up to $6,000
  • Up to 6 months special financing* or up to 12 months special financing*
  • Revolving line of credit
  • In-Store purchases only

*No Interest on Purchases If Paid In Full Within 6 Months or Within 12 Months. Deferred interest period is determined by creditworthiness, and if approved for a Genesis Credit Account, you will be notified if your purchases are subject to 6 months of deferred interest or 12 months of deferred interest. In all cases, interest will accrue and be charged to the account at an APR of 29.99% from the purchase date if the purchase is not paid in full by the end of the deferred interest period, or the account becomes 180 days past due or is charged off for any reason. Monthly minimum payments required. To view the Account pricing and terms, please click on the "Apply Now" button below. Genesis Credit Accounts are issued by First Electronic Bank, Member FDIC.

Apply Here

No Credit Needed Option from West Creek Financial

Simple. Fast. Transparent. Don't Let Credit Issues stop you from buying what you want. With West Creek's high-tech, innovative decisioning there's a good chance you'll be instantly approved for financing, even if your credit score is low. 85% of our applicants are approved because we don't work the same way traditional financings companies do. Our data scientists use artificial intelligence to continuously improve our process and provide you with better purchasing options. The West Creek process is fast and easy with no hidden fees.

Benefits of Using West Creek:

  • 90 Day Payment Option
  • Approval Amounts Up to $5,000
  • Up to 24 Month Terms
  • Monthly Reporting to TransUnion to help build or repair your credit
  • Open Lease Lines to make more purchases in the future

Application Requirements:

  • Employment with $1,000/month income
  • Valid ID with SSN or ITIN number
  • Checking Account and Debit Card with $40 on it

Application Process is fully automated and takes less than 5 minutes to complete.

Apply today in your favorite store or online, and we'll get you a decision within minutes so you can make the purchase you need, when you need it! Want to apply before coming in the store? Get pre-approved with our online application by clicking the button below and selecting the location where you want to shop.

Apply Here