How To Buy A Mattress With Snap Finance: A Step-By-Step Guide

Buying a new mattress can be a daunting task, especially when it comes to the cost. However, there are many financing options available to help make the process more manageable. One such option is Snap Finance, which offers financing to individuals with bad credit or no credit history. In this blog, we will provide a step-by-step guide on how to buy a mattress with Snap Finance.

Step 1: Research and Choose a Mattress

The first step in purchasing a new mattress is to research and choose the right one for your needs. This includes considering factors such as mattress type, size, and firmness. Additionally, you should determine your budget and identify mattresses that fall within that range.

Once you have selected a mattress, it is important to check if the retailer offers financing through Snap Finance. You can find this information on the retailer's website or by contacting them directly.

Step 2: Apply for Snap Finance

The next step is to apply for financing through Snap Finance. The application process is straightforward and can be completed online. To be eligible for financing, you must be at least 18 years old and have a valid checking account.

To apply for financing, you will need to provide basic personal information such as your name, address, and social security number. Snap Finance will also conduct a credit check, but they do not rely solely on credit scores to make their decisions. Instead, they consider a range of factors, including income and employment history.

Step 3: Receive Approval and Complete Purchase

Once you have been approved for financing, you can proceed with the purchase of your new mattress. The retailer will provide you with a payment plan that outlines the terms of your financing agreement. This will include the total cost of the mattress, the interest rate, and the monthly payments.

It is important to review this information carefully and make sure you understand the terms of the agreement. You should also ask any questions you may have before signing the agreement.

Step 4: Make Monthly Payments

After you have purchased your mattress, you will need to make monthly payments on your financing agreement. Snap Finance offers flexible payment options, including weekly, bi-weekly, and monthly payments. You can choose the option that works best for your budget.

It is important to make your payments on time to avoid late fees and damage to your credit score. You can make payments online or by calling Snap Finance's customer service line.

Step 5: Pay Off the Balance

Once you have made all of your payments, you will have paid off the balance of your financing agreement. At this point, you will own your mattress outright.

It is important to note that some financing agreements may include early payoff fees. If you are able to pay off the balance early, you should check if there are any fees associated with doing so.


Buying a new mattress can be a significant expense, but with financing options such as Snap Finance, it can be more manageable. By following these steps, you can purchase a new mattress and pay for it over time. Remember to choose the right mattress for your needs, apply for financing, review the terms of the agreement, make timely payments, and pay off the balance to own your mattress outright.


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