Mattress Financing Options

Special Financing Available
Cross Check 90-Day Preferred
Less Than Perfect Credit Options

Special Financing Available

Special Financing Available

  • Sit 'n Sleep is pleased to offer Special Financing* with a Sit 'n Sleep credit card through Synchrony Bank
  • Apply Online For Instant Decision

How It Works

  1. Apply online through Synchrony Financial. COMING SOON – Currently you can apply in store or over the phone at 1-800-908-0354.
  2. Receive an instant decision and if approved, how much financing you qualify for.
  3. Bring your approval to any Sit 'n Sleep store to find out the number of months special financing are available.
  4. Purchase your mattress with special financing.

Additional Requirements

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

Cross Check 90-Day Preferred

Cross Check 90-Day Deferred Payment Program

  • No Credit Check Needed
  • 90 Days Same as Cash

How It Works

At time of purchase, you are required to make a 25% down payment. For the remainder of the balance you will write three additional checks to be deposited by Sit ‘n Sleep in 30-day increments (first one deposited immediately, next in 30 days, 60 days and 90 days). This is a total of four checks.

Additional Requirements

  • You must present a valid state-issued or military ID.
  • You are required to fill out a 90-Day Deferred Payment Agreement and a Non-Cancel-able Contract.
  • Name, check number, MICR ID check number, financial institution and must be imprinted on checks. Physical address, phone number must be written if not printed.
  • Temporary checks, credit line, third party or credit card checks will not be guaranteed.
  • Available in-store only.

Less Than Perfect Credit Options

Less Than Perfect Credit Options

Have less than perfect credit?

  • Get a decision within seconds.
  • Make affordable monthly payments.
  • Use a revolving credit line

Sit 'n Sleep has partnered with Fortiva Retail Credit to provide a financing option for our customers with less-than-perfect credit. Life happens, which is why we understand that having a blip on your credit history should not be a barrier to getting the mattress you need for a better night's sleep.

Ask your local store associate for details or call us at: 800-908-0354 for more information.