Financing and Leasing
When you buy a mattress at one of our Sleep Outfitters stores, we offer you several ways to pay for your new bed — including financing. Our financing providers Synchrony Bank, Genesis Credit, and Acima Leasing offer a variety of mattress financing and leasing options.
Financing and Leasing
When you buy a mattress at one of our Sleep Outfitters stores, we offer you several ways to pay for your new bed — including financing. Our financing providers Synchrony Bank, Genesis Credit, and Acima Leasing offer a variety of mattress financing and leasing options.
Our Financing and Leasing Options
Sleep Outfitters Credit Card
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
1 Qualifying 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.
2 For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.
3 Subject to credit approval. Minimum monthly payments required. See store for details.
Concora 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 Concora 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. Concora Credit Accounts are issued by First Electronic Bank, Member FDIC.
Acima Leasing
Shop without using credit^
** $1 to Start! Limited time offer!
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.
** "$1 to start" does not include taxes and refers to and applies to the rental period from agreement start date to first scheduled renewal payment, up to a maximum of 15 days. On your first renewal date, regular rental rates, taxes, and fees will apply. Regular rate, term and total cost vary by item selected. This promotion is not a promotion for a specific transaction or item. Please see your lease for payment amounts and rental terms. Offer valid on new agreements only and cannot be combined with any other promotion. Offer valid only at participating Acima host retailer locations and is subject to change. Offer will not reduce the number of payments, total amount necessary to acquire ownership, or purchase option amount. Customers in California will pay a $0 initial rent payment and a $1 processing fee to start.
