Snap Finance is an alternative to traditional financing with easy approvals and credit lines up to $5,000.

  • Can be used for in-store purchases
  • 100 day payment option
  • Simple lease-to-own financing

Frequently Asked Questions

Will prequalifying affect my credit score?

No. Synchrony, Affirm and Snap complete what is called a “soft pull,” so it won’t affect your credit score. If you decide to purchase with Affirm or Synchrony, missed payments may cause a decrease in credit score. Snap Finance will not report you unless you default.

What are the available payment plans?

Payment plans vary by provider:

Synchrony: We currently offer 12 months with no interest if paid in full.

Affirm: Plans vary based on approval, with 3, 6, or 12 month payment plans available.

Snap Finance: Payment term is 12 months, with 0% interest if you pay in full within the first 100 days.

Can I get approved with bad credit or no credit?

Yes, when you use Snap Finance, you have the advantage of their proprietary approval process, which gives customers who have bad or no credit the best chance for approval.

What are the next steps after I’m approved?

Once you have been approved for financing, you can complete your online order or print the approval confirmation and bring it to your Mattress Superstore local store.

Do I still get a 100-night trial if I finance?

Absolutely! The trial is available regardless of whether you finance or pay in full. If you decide to return an eligible product, you will be refunded the payments you’ve made, minus the accrued interest. If you decide to reselect to an eligible product, your account will be credited for the difference or we can charge the difference if you upgrade and still get the same payment plan.

Manage your account

For Snap Finance customer support please visit Help Center
Manage your account or pay online

Most Popular

  • Super Poly Foam

  • The Rock Super Foam

  • Intimate Plush


Beds, Frames, Platforms

Adjustable Base | 3.0

Most Popular

Starting at $750.00

HD Metal Bed Frame

Most Popular

Starting at $199.00

Mattress Protector

Waterproof + Prime Terry

Starting at $44.95

Carbon Cool Pillow

Premium Softness + Advanced Cooling

Starting at $129.95