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, Synchrony Bank, and Genesis Credit, offer a variety of mattress-financing options.


You can easily apply online 24/7; once approved, just bring your approval number in to one of our Sleep Outfitters stores when you're ready to buy your dream bed.


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5 years - 0% interest1


On all purchases of $6,000 or more made with your Sleep Outfitters credit card from 5/9/23 to 6/6/23. Equal monthly payments required for 60 months.

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Our financing options



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


As a Sleep Outfitters USA cardholder, you'll enjoy benefits such as:

•  No annual fee2

•  Promotional Financing options available every day3

•  Convenient monthly payments

•  Online account access


1Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

2For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

3Subject to credit approval. Minimum monthly payments required. See store for details.



•  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.


Shop without using credit*


Sleep Outfitters has partnered with Acima to offer a flexible, No Credit lease-to-own solution to help you take home the products you need without using credit or increasing your debt.


• Get Approved for Up to $4,000 in Leasable Merchandise**

Applying is fast and easy.

• Easy Payment Options

Make flexible payments that are conveniently scheduled with your payday

• Early Purchase Savings

You can choose to purchase your item at any point during the lease at a discount.

• Cancel at Any Time

You may cancel your lease at any time, without penalty, and schedule a return of your item(s) directly with Acima.


For further information please visit Acima’s FAQ.


*The advertised transaction is a rental purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement depending on your state) provided by Acima. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Ownership is optional. Approval subject to review and verification of your application. Not all applicants are approved. Approval amount based on retail price of host retailer. The Acima cash price may include a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. See your lease for payment amounts and rental terms. *“Shop without using credit” means that this is not a credit, loan, or financing transaction. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. **"Get approved for up to $4,000” refers to the maximum amount Acima will spend to acquire goods from a retailer to provide to you, subject to a lease purchase transaction.

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