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Pay at your own pace.

0% APR Financing
No Fees, No Gotchas, No Surprises

*0% APR available to qualified customers.  Other financing terms could be offered.

2 Ways to Pay

We’re making it easier to make smart choices with your wallet.  So you can get the things you love without the things you don’t.

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  • Conventional loan starting at 0% APR
  • Choose from 6-48 month payment plans
  • Fast & easy prequalification
  • Checking eligibility will not effect your credit score
  • Transparent, Flexible, Fair
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  • Split payments at 0% with your favorite credit card
  • Choose from 2-12 months payment plans
  • No applications or credit checks
  • Earn credit card rewards points from each payment
  • Pay later on your terms

Here's how to finance your Natural Form® order

Fill your cart

Begin checkout once you are ready to order your items

Enter Shipping Info

Enter your shipping information and advance to billing page.

Select Payment Plan

Choose either Split-it or Affirm as your payment choice and that's it!

Learn more about our financing

Give us a call

9:00 AM – 9:00 PM EST (M-F)
10:00 AM – 9:00 PM EST (Sat/Sun)

Chat with our sleep team

9:00 AM – 9:00 PM EST (M-F)
10:00 AM – 9:00 PM EST (Sat/Sun)

Learn More

Frequently Asked Questions

How does Affirm work?

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love.  We offer affordable monthly payments at a pace you choose – usually 3, 6, or 12 months.  From day one, you know how long you’ll pay, and you know how much you’ll pay because we never charge late fees or others hidden fees.

How does Splitit work?

At the time of purchase, the shopper will charged for the first payment.  The remaining balance will be held on the credit card until the final payment is made.  After each monthly payment, the amount held from the available balance will be reduced to the new remaining balance.

How will using these options effect my credit?

Affirm has a soft credit check when prequalifying.  If you’re going to be late on a payment, schedule a payment as soon as possible.  Late payments may hurt your credit score.

Do I still get a 100 night sleep trial when I finance?

Yes!  No matter what payment method you choose, you still get can rest easy knowing you have 100 night sleep trail.  If you do choose to return, you’ll be refunded for the payments you’ve made, minus any interest that has accrued.

How do I return my mattress if I finance?

We recommend sleeping on your new mattress for at least 30 nights, as it does take time to adjust.  If you’re still unhappy, call (866) 550-2073 to begin the return process!