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 $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

0 Down Payment**

* Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full winthin the promotional period which may be 6,12,18, or 24 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Depending on the purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by the end of the promotional period. Regular account terms apply to non-promtional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99% Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their application terms. Subject to credit approval. Subject to change without notice. See stores for details.


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