There is nothing better to start the day than fresh after resting on a good mattress, both in your bedroom and, economically speaking. That is why different users seek to opt for a Buy Now Pay Later or financing system when making investments in improving their beds.
This is with the idea of not only having one of the best options available in the market but also assuming the payment in comfortable installments. Depending on the company, they can adapt to your economic situation and budget plans. Undoubtedly, financing a bed is a good idea not only for your rest but also for your economy, which is why we will present some recommendations below.
Does financing a mattress hurt your credit?
Before starting our analysis it is worth clarifying that many companies depending on their credit system may or may not affect your credit history. This happens because certain companies in charge of providing credit usually do not report to credit bureaus. Therefore, your credit history is not at stake.
However, when the financing is given through the stores themselves, they have the possibility of directly affecting your credit history. So it’s always worth checking the rules of the place where you arrange your payment financing.
What mattress companies use Affirm?
One of the main alternatives considered when looking to finance a mattress purchase in installments is Affirm. The San Francisco-based company thanks to its financial help offers buy now pay later plans associated with different companies.
Many companies partner with Affirm to receive it among their preferred payment methods. That is why the user of this platform will have different purchasing options for mattresses of their choice. Among the best options of mattress companies with Affirm you will find:
- Saatva Classic
- Turf and Needle Original
- Purple Mattress
- Bear Elite Hybrid
- The Home Depot
- Williams Sonoma
- NECTAR Sleep
- Rooms Aboard
Different purchasing features
It is worth clarifying the fact that each of Affirm’s partner companies has its features to offer in the partnership. They even offer different APR installments for the financing of payments or even discounts at the time of purchase.
Undoubtedly, it will always be an ideal option to take a look at this wide catalog of options that focuses both on helping you economically and offering you the best quality. Leaving in your hands the final purchase decision according to the specific qualities you are looking for in the mattress.
How to buy a mattress with Affirm?
The process of purchasing with Affirm is not much different from a normal purchase, in fact, you should make the purchase as if you were buying a normal product. Once this is done, you will find Affirm among the available payment methods and you will see before you the possibility of arranging payments.
In the same way, in authorized stores in partnership with Affirm, you have the possibility to buy in person. This is done by obtaining a digital card with your Affirm account, with which the payment methods and the organization of the installments will be presented to you. Undoubtedly a fast and convenient system that adapts to your possibilities.
What credit score does Mattress Firm require?
Another preferred option for users looking to make the process of buying a mattress in payments is Mattress Firm. This is thanks to the possibility of options they offer and that they are a store specializing in Mattresses of course. They offer payment plans that are designed for the investment that a mattress involves.
They offer different installment payment cards, which assimilate the operation of credit cards. A point to emphasize is that a credit history of at least +400 points is recommended for your application. So if your idea is to apply for one of these cards, you will have to highlight your credit history beforehand and take care of it.
Does Casper offer payment plans?
The large mattress company has a campaign called “Dream big, pay little by little with Affirm”. Marking its partnership with the lender, it gives customers the ability to arrange their purchases on payment plans. Thus making it possible to pre-qualify in minutes and accommodate their spending in easy installments.
Casper’s payment plans with Affirm are $61 per month on average with a 0% APR as long as you pay the amounts on time. Likewise, these loans will not affect your credit history.
What credit score is needed for a Sleep Number bed?
Sleep Number is another one of those companies that offer the possibility of making purchases with your credit cards. This is to accommodate the payments for your mattresses in comfortable monthly installments that fit your financial possibilities. Although being a credit card user is good if your credit history is considered.