Financing

Ortho Mattress has many finance and payment options to help you purchase your mattress. With your good credit, Synchrony Bank can pre-approve you online or you can come into a store today to apply. Affirm financing allows you, with easy checkout and instant approval, to pay over time and split your online purchases into 3, 6 or 12 months with low rates between 10%-30% APR. American First Finance offer 90 days Same-As-Cash option and SNAP Financing is our 'No Credit Check' financing option. Of course, there is always Free Lay Away for up to 6 months at Ortho Mattress. Call or visit any Ortho Mattress location for complete financing and payment option details.

Financing Options


Synchrony Logo

No interest if paid in full*

On purchases made with your Ortho Mattress Synchrony Home credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full in 6 or 24 months. Minimum monthly payments required.

On $499, $999, $1,499, $1,999 purchases made with your Synchrony Bank Credit Card account. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.

  • Purchases of $499 or more qualify for 6 month offer
  • Purchases of $999 or more qualify for 12 month offer
  • Purchases of $1,499 or more qualify for 18 month offer
  • Purchases up to $1,999 or more qualify for 24 month offer
  • Purchases up to $3,000 or more qualify for 36 month offer
  • Purchases up to $4,000 or more qualify for 48 month offer
  • Purchases up to $5,000 or more qualify for 60 month offer

*A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not,  interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
 


Zero Interest For 36 Months**

Equal monthly payments required for 36 months. Promo fee of 2% of amount financed will be included in required monthly payments.

**Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) < and including related optional debt cancellation fees>, and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not,  interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

 

Snap Finance Logo

Snap Finance offers lease-to-own financing that empowers credit-challenged shoppers¹ with the buying power to get what they need, now. Snap was founded on the principle that you should thrive with financing that’s accessible, affordable, and completely transparent. The application is easy, and you’ll find out in seconds if you’ve been approved.  

To apply, you’ll need to:  

Be of legal age to enter into a contract 

Have a steady monthly income of $750  

Have an active checking account 

Provide a valid email address and smartphone number 

With approvals up to $5,000² – get what you need today and make payments over time with Snap! 

 

¹While no credit history is required, Snap obtains information from consumer reporting agencies in connection with the lease-to-own application. Not all applicants are approved. ²Not all applicants will be approved for $5,000.

Ortho Finance

If your budget is tight, but you want to take advantage of our current sales event or pricing, try our Ortho Mattress in-store FREE Lay-Away Plan. Take up to Six months to lock in your price savings.

  • 6 Months Free Lay-Away Plan
  • No Lay-Away Fees or Charges
  • 10% Down
  • Monthly Payments required