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How Mattress Payment Plans Work (No Credit Needed)

Why we offer payment plans

A good night's sleep shouldn't have to wait until you've saved up. Plenty of our customers would rather spread the cost out, and some have little or no credit history. That's why we offer payment plans that don't require credit.

How it works

  1. Fill out one short application. It checks several financing companies at once, so you don't have to apply to each one separately.
  2. Find out right away. You'll know quickly whether you're pre-qualified, and for which options.
  3. Come in and shop. Pick your mattress, base or accessories at your appointment, knowing what you're working with.
  4. Make a low down payment and take it home or schedule delivery.

Good to know

  • No credit needed.
  • Low down payment to get started.
  • Early buy-out options are available, depending on the plan, if you want to pay it off sooner.
  • Purchases of $300 or more qualify.

Every plan has its own terms, so read through the details before you sign, and ask us if anything isn't clear. We're happy to walk you through it.

How to get started

The easiest way is to take our 60-second mattress quiz and book a time. You'll get a link to the application after you book. Rather talk it through first? Call or text us at (812) 432-2020.

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Bloomington, Indiana · By appointment only

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Sarah and Nick, owners of Mattress By Appointment

You'll meet Sarah & Nick. No sales team, no corporate showroom — just the two of us, helping you find the right fit at your own pace.