Mattresses are often overlooked items, but they are essential. However, they can be quite expensive. So what next if you want a new high-quality mattress and don’t have enough money for it? Well, we have great news for you. There are many no credit check mattress companies you can try out. Today, we look at how you can buy your bed on finance, the best no-credit mattress, and other things to help you make an informed decision.
But first, before we get into the details, it’s essential that we explain what mattress payment plan no-credit-check means so that you know what you are getting into. No-credit-check financing allows those with poor credit scores to purchase loan products easily. If you haven’t saved up for a new mattress, you can always opt for a mattress payment plan, especially if your credit score is worrying. This is an easy way of financing mattresses to individuals who can’t afford to pay for them upfront. That said let’s take a look at the different no credit mattress you can get in 2021.
First, What Does It Mean No Credit Mattress?
When you want to buy a new bed but don’t have money for it, you can consider mattress financing. This option allows you to get your new mattress and pay for it in monthly installments. Now, many companies offer this service, but their terms and conditions vary. While some companies will need customers to have credit, some don’t have this requirement. No credit mattress allows those with no credit to purchase the mattress they want. So, if you don’t have credit, you can still get a good mattress deal with a no credit needed mattress.
5 Best No Credit Check Mattresses in 2021
#1, Saatva Mattress – Best Mattress in 2021 (Editor’s Choice)
Saatva was among the first brands to offer luxury mattresses in the online market. And since then, they’ve built a reputation for designing high-end mattresses at competitive pricing. The company designs and manufacturers popular mattresses with excellent firmness and customizable depth. And the good thing is that those who want to finance a mattress with bad credit can do so with this brand.
So, is the Saatva mattress right for you? Well, we recommend this classic mattress for people who overheat when sleeping, those with back pain issues and want firm support and those who prefer supportive properties of a spring mattress. However, this model may not be suitable for couples that are looking for one that excels in motion isolation.
Saatva Mattress Key Features
Three Firmness Levels: The Saatva innerspring mattress comes with three firmness levels; medium-soft, medium, and firm. These levels come as 11.5-inch high or 14.5-inch high. However, no matter the height, it doesn’t impact the firmness level. You can choose the comfort level you want from plush soft, luxury light, and firm.
Dual Coil Layers: These individually wrapped coils contour your body, thus offering tailored support. They sit on top of a sturdy base. Since they have been overheated, it ensures that the mattress doesn’t sag with time. The two coil layers work together to provide responsive dual support that allows excellent airflow, meaning you can forget about overheating at night.
Two Back Support Enhancements: Placed at the center of the mattress, these help provide superb pressure relief. One enhancement uses the active wire support in the mattress’s center to provide Saatva’s lumbar zone technology, while the other is a memory foam layer that relieves back tension.
Foam Encasement: It wraps around the mattress and provides excellent edge support while preventing sagging. It also makes the mattress more stable.
Euro Pillow Top: It is designed to offer more cushioning than the standard pillow as it’s organic cotton-made. Additionally, its antimicrobial fabric ensures that it stays fresh throughout.
Saatva Mattress Pros
- Constructed using eco-friendly material
- Features a trial period of 180 days
- Three different firmness levels
- Uses high-quality material to ensure durability
- 15-year warranty, which is generous compared to what other companies offer
Saatva Mattress Cons
- The return fee costs $99
- Doesn’t give the true memory feel
- Constructed a bit differently from true “luxury” beds
- Complaints about slow delivery and poor customer service from some buyers
#2. Puffy Mattress
Next on our list is this hyped manufacturer known for selling bed-box mattresses. This mattress is highly ranked among the best mattresses in different categories. Now, the Puffy Mattress firm no-credit-check financing is one of the best in the market. It allows individuals to buy a new comfortable mattress without paying the money upfront. The company offers this financing option through Klarna. You can pay this mattress in monthly payments for 6 to 24 months.
Puffy Mattress is a good fit for people who overheat at night, individuals who suffer from pressure pains and aches, and back sleepers that want excellent pressure relief. However, this type may not be the best for combination sleepers as they need a more responsive mattress, heavy individuals weighing more than 250lbs, and strict stomach sleepers.
Puffy Mattress Key Features
Breathable Stain Resistant Cover: The mattress’s cover is made of polyester. It is soft and breathable, allowing comfortable night rests. It also resists stains, thus cleaning it is easy. However, make sure that you wash the cover as directed to prevent bacteria buildup. Also, note that most mattresses have non-removable covers that you can only spot clean. But, this type comes with a fully removable cover that can be machine washed.
Memory Foam and Polyfoam Layers: The mattress comes with a 2-inch CloudComfort memory foam that is low density. It features a soft-to-touch feel, allowing the mattress to conform to your body shape while relieving pressure points. Not only is the foam breathable, but it’s also infused with gel to provide cool nights. Under it is a ClimateComfort polyfoam layer still measuring 2 inches. It is a transition layer that helps stabilize temperature. By resisting contractions and expansions caused when the temperature fluctuates, this layer allows the mattress to remain at a neutral temperature throughout.
A Firm Support Core: Made with 6 inches of high-density polyfoam, this support core aligns your spine by conforming to your body shape. It offers excellent support, even as individuals shift into different positions. It also makes the mattress more durable.
Puffy Mattress Pros
- Foam infused with cooling gel to ensure that the temperature stays neutral
- Stain-resistant cover that can be removed and machined washed
- Excellent support and pressure relief with a traditional memory foam feel
- Suitable for back sleepers and those who like a “hug” memory foam mattress
- It’s quiet
Puffy Mattress Cons
- May not suit strict side stomachs, especially heavy individuals
- It doesn’t suit heavy people, weighing more than 250lbs
- Some people still find it a bit hot
- Responsiveness and bounciness isn’t that impressive
#3. Idle Sleep Mattress
Manufactures used to designed flippable mattresses in the past that allowed users to turn over after few months of use. This helped prevent sagging and premature indention. However, nowadays, most manufacturers are designing bed-in-a-box mattresses that shouldn’t be turned over. Luckily for Idle Sleep, this is advantageous for them.
The company still designs flippable mattresses that come in two firmness levels; medium and firm. They also have a model that offers a combination of both these levels, one side firm, and the other side medium. As such, sleepers can enjoy two firmness levels on one mattress.
If you are looking for a firmer than average mattress or want to make a long-term investment in a mattress, then this brand is right for you. Their hybrid mattress is suitable for back and stomach sleepers as it offers great support and pressure relief. However, it may not suit side sleepers as they need a firmer mattress, as well as lightweight sleepers. Plus, you may not find the mattress comfortable if you want a soft, medium, or extra firm mattress.
Idle Sleep Mattress Key Features
Different Firmness Levels: When shopping for a new mattress, remember to check out its firmness and feel as it’ll affect your comfort level. While all Idle Sleep Hybrid mattresses are flippable, consumers can choose between three firmness levels;
- Medium firmness on one or both sides
- Luxury firm on both sides
- Blended firmness mattress that has one luxury firm side and the other with medium firmness
Note that even with the luxury firm, the top layers feel quite soft. As it has a higher than average firmness level, the mattress is suitable for back sleepers.
Soft Breathable Cover: The mattress comes with a cover quilted with an inch of contouring foam. Not only is it soft, but it also offers some pressure relief. It is made with Idle’s Thermocool fabric, which regulates the mattress’s temperature. When it’s cold, the cover will feel warm, and when you are overheating, it will feel cool.
Comfort and Transition Layers: The comfort layer has 2 inches of Idle Buoyancy Foam. Since it is custom blended, it reacts quickly compared to memory foam but still delivers wonderful pressure relief. It also helps in cooling while offering some support.
Beneath it is the transition layer that features an inch of transition foam. This is a much firmer foam that offers more support.
But note that this mattress doesn’t have a traditional base, seeing that it is flippable. Instead, it has another comfort layer after the transition layer and a cover layer. It comes with carrying handles to allow users to flip it quickly.
Support Layer: Located at the mattress’s center, this layer offers the most support. It has 6 inches pocketed coils, making it a safe bed. We should also mention that the mattress is 14 inches tall, which is taller than the average mattress. As such, you may need deep-pocketed sheets to fit the bed. Additionally, it comes in various size options ranging from twin to split king. Therefore, you can find a size that works for you.
Idle Sleep Mattress Pros
- A cool bed, thanks to the coils and buoyancy foam
- No noise when using the bed
- A flippable mattress that is durable
- Great edge support
- Suitable for back sleepers and side combo sleepers
- Features a lifetime warranty
- Includes a sleeping trial of 18 months
Idle Sleep Mattress Cons
- Lacks proper sinkage and body contouring
- Off-gassing, but this stops once the mattress foams fully
#4. Helix Mattress
Helix was launched in 2014 and has since then, been known to offer one of the best box mattresses. The company has different models to choose from, thus various sleepers can find something that suits their budget and needs. There’s the Sunset, Midnight, Moonlight, and Dusk, to name but a few.
When the company started, it was the only brand at the time that offered fully customizable mattresses, like those that had two different constructions, perfect for partners with different sleeping needs. Today, the company has six hybrid mattresses that come in different firmness and a varying amount of plushness.
Hot sleepers needing a mattress that cools and those who want several options to choose from will find the helix mattress suitable for them. Also, you may love this brand if you are a stomach, side, or combination sleeper. Additionally, couples that want to minimize disturbance from partner movements may consider this mattress.
However, it may not suit those who want a different mattress style from the hybrid. Also, heavy individuals may sink too much into the mattress. As such, they may be better off with other models.
Helix Mattress Key Features
Various Firmness Levels: We cannot avoid the issues of firmness and feel when talking about the best mattresses to buy. That’s because these factors will help you determine whether a mattress suits your sleeping position. Now, Helix offers different firmness on their mattresses, ranging from the fairly soft to a pretty firm model.
The Helix Sunset is the softest, followed by Midnight, Dusk, Twilight, and Helix Dawn, which is the firmest.
But we should mention that firmness is a subjective issue and entirely depends on your body weight and personal preferences. For example, a heavy person may find the Helix mattress firm as they could sink deep into the mattress and feel the support layers. But, a lighter person, on the other hand, may feel Helix mattresses are soft since they’ll always be above the comfort layers.
Hybrid Construction: Helix mattresses are designed with a hybrid construction where layers foam over coils. While this is a similarity in all models, each mattress has its unique feel. The Sunset gives a balanced foam feel. Its comfort layer is very plush. Thus sleepers sink in a little bit and creates a slow-moving feel.
Helix Moonlight offers a very bouncy feel compared to Sunset, which is not as responsive. The Midnight offers a balanced feel and makes users feel like they are slowly moving, allowing them to go deep into slumber.
Then there’s the Helix Dusk that has a firm but bouncy feel with a dynamic foam on the top layer and a sturdy support layer with coils. The Twilight also gives a slow-moving feel and comes with an enveloping comfort layer. The Helix Dawn gives a bouncy but firm feel as it has a dynamic foam in the top layer and coils on the supportive layer like the Helix Dusk.
SoftTouch Design Cover: All Helix mattresses have the same cover that is soft and stretchy. It also features a breathable construction, allowing it to promote airflow.
Also, all models have a firm supportive layer with coils individually wrapped and layered on the base foam. Thus, it makes the mattress durable and allows it to offer excellent support. But note that each model has its own thickness, firmness, and type of foam used on the layers.
Helix Mattress Pros
- Great temperature regulation
- Decent edge support across all models
- High-density foams and study coils to make the mattresses more durable
- No noise when moving around the mattress
- 100 days sleep trial and 10-year warranty
Helix Mattress Cons
- Off-gassing, but it should dissipate within a few days
- Fewer trial days, considering other companies offer more than 150 days
#5. Nectar Sleep Mattress
Nectar Sleep is a U.S based mattress company that has in recent years become one of the most reputable online mattress brands. Its memory foam mattress known as the Nectar Mattress is this company’s flagship. It is a pressure-relieving and supportive mattress with a thick layer of gel memory foam.
We recommend this mattress to people that don’t mind sleeping hot on foam beds since this model doesn’t absorb as much heat from your body. And this is partly because of the low and medium density comfort layers. The mattress is also suitable for those who seek value as it offers excellent quality for its average price points. You may also like this model if you are a side, stomach, or back sleeper, weighing at least 130 pounds. Additionally, couples that want to minimize disturbance from partner movements will also love this model.
However, lightweight sleepers or those who prefer an “on top” feel and not the “in bed” feel in a mattress may want to look elsewhere. Not only does the mattress feel firm for light individuals, but it also has a deep body-hugging sensation that may be uncomfortable.
Other than Nectar Mattress, the company also manufactures Nectar Premier and Nectar Premier Copper mattresses.
Nectar Mattress Key Features
Adaptive Cool Cover: The cover uses a proprietary material that draws heat from the sleeper’s body while circulating fresh air. According to this company, all their mattresses are responsive to temperature changes. Therefore, when it gets warm, the cover feels cool, and when it gets cold, it feels warm.
Smart Sleep Layer: It’s constructed from a memory foam type, which is more breathable than other materials. As such, it helps regulate one’s body temperature and adjusts to their sleeping position.
Pressure Relieving Layer: It’s a secondary layer of memory foam that absorbs energy and reduces the pressure on the mattress. As such, it allows you to sleep in an optimal condition.
7-Zone Support Layer: It is the last and the biggest layer of the mattress designed to offer firm support and superb comfort on the hips and shoulders. Thus, you’ll wake up feeling well-rested.
Nectar Mattress Pros
- Deep sinkage and contouring great for back and side sleepers
- Excellent motion isolation. Thus you won’t feel your partner movements
- One of the most affordable mattresses
- It comes with a 365-night sleep trial, so you get to test the mattress for the whole year
- Lifetime warranty on their mattresses
Nectar Mattress Cons
Not suitable for someone looking for a super soft mattress
Some customers complain about the difficulty in switching positions
What You Need to Be Aware of Before Financing a Mattress
A high-quality mattress starts at around $1000. Unfortunately, not many people can afford this. But, the good news is that mattress financing no-credit-check allows individuals to pay their mattress in monthly installments, rather than giving the whole amount out once. However, before you rush to finance a bed, there are certain factors you should consider. These are;
Most mattress financing online lending partners will conduct a credit check for those applying for this service. Note that this is a crucial factor as it can hurt your credit score. Every time a company inquires about your credit score with the credit bureaus, it reduces your points.
You need to pay more attention to this factor as it will affect how much you’ll spend on your new mattress. Most companies will usually advertise for 0% APR. However, this only applies to those with a good credit score. Usually, higher interest is charged for bad credit mattress financing. If you have a poor credit score, it’ll be wise to work with a no credit check mattress store,
How Much You’ll Pay Per Month
Find out how long you have to repay the loan and the mattress monthly payments you’ll make. Different websites have different financing options. Some retailers allow customers to choose for themselves the period they want to make the payments. Others give you the freedom to choose the payment amount, but restrict you to paying that exact amount until you’ve completed the balance. Please choose carefully to avoid paying more interest.
Don’t sign any contract before reading the fine print. Even if a seller offers a 0% APR financing option, please make sure that you know all the details of your agreement. Otherwise, you may end up paying more money than what was initially agreed.
5 Reasons Why You Should Finance Your New Mattress
If you want to buy a new mattress but don’t have the money for it, mattress financing may be a viable solution for you, and here’s why;
Quick Application and Approval Even If You Have a Poor Credit Score
Most times, lenders use your credit score to determine whether or not to give you a loan. However, with no-credit-check offers, the retailer doesn’t bother about your credit score or history. As such, even if your credit score is poor, you can still get that new mattress. Additionally, applying for this financing is a quick and simple process. You can complete your application within minutes and have your request approved in a short time, with some offering instant approval. Also, some retailers allow a long payment period, even longer than 90 days. Thus, you can plan your expenses well to ensure that you won’t strain your finances.
Your Savings Remain Untouched
Financial experts advise us to at least have three to six months of savings to cater for our expenses should anything affect our income. Unless you have more than that amount, it’s wise that you leave your savings intact to prepare for the unexpected.
Now, with mattress financing, you can get a new mattress and still keep your savings untouched, killing two birds with one stone. This financing option allows you to make small regular payments until you pay your mattress in full. As such, you will not be forced to take a large sum of money from your savings to buy a new mattress.
Get the Mattress You Want for Your Body
Sleep is an integral part of our lives. However, did you know that the mattress you sleep on can affect your quality of sleep? If you find your sleep ruined because of your current mattress, mattress financing can help you address this issue. You don’t have to wait until you’ve saved enough money to purchase a mattress. Instead, this financing option helps you get the right mattress for your needs immediately.
Can Improve Your Credit Score
Every time you take a loan, your account is reported to the credit bureaus that determine credit scores. Now, financing a mattress can help you build a great credit history, but you have to make timely payments and pay in full. This can also help those with poor credit history improve their credit score. With good credit history and credit score, it can be easier for you to get financing for other things in the future. So, even if you can afford to pay for your mattress upfront, you may want to consider refinancing if your credit score or credit history is not that good.
Many mattress stores offer to finance for this item. Often the options they give have affordable terms, contrary to what many people think. Some sellers even offer a 0% APR, while others offer low-interest rates. But, we advise that you compare rates offered by different stores, whether online or offline, to get the most affordable financing option for your mattress.
3 Stores That Offer Mattress Financing With No Credit Check
1. Mattress Firm
If you want to make mattress payments no credit check, this is one of the best providers for this service. It should be easy to get this type of mattress financing for those who follow the right steps and provide the required documents.
Mattress Firm allows you to lease or own a mattress without credit. Also, its application process is one of the simplest and offers an instant decision. Again, it comes with a purchase option for 90 days. This provider also offers nationwide coverage and flexible payment options.
However, you must meet certain rules to qualify for this Mattress Firm no-credit-check program. One is that you must be 18 years and above with a source of income. Also, you have to give your present and permanent address during the application. And you must have an active and open check account. Lastly, you’re required to make the initial payment with your debit or credit card.
If you qualify for these conditions, you can apply for mattress financing to this company and enjoy sleeping in the mattress of your dreams.
2. 1800 Mattress
You need a comfortable mattress to enjoy a good night’s sleep. Now, from the many mattress providers offering a no-credit-check payment plan, 1800 Mattress stands out. It’s a famous provider as it offers various benefits with its financing option.
One reason to consider this company is that you don’t need credit to lease or own a mattress. Also, it offers a quick and simple application process and fast approval times. Additionally, it allows a 90-day purchase option. We also love this nationwide as its payment options are flexible and reliable.
But like all other great companies, there are also some rules and restrictions this provider outlines. You must be 18 years of age and above, give your present and permanent address and have a source of income. Also, one must have an active open checking account and a credit/debit card to pay their first amount.
Those who qualify for this criteria can get a comfortable high-quality mattress from this company.
3. Shop Factory Direct
Another great place you can buy mattress no credit check is Shop Factory Direct. This reputable company offers mattress financing to those who are 18 years and older. Like the above two companies, it also requires users to have a stable source of income and an active checking account. Additionally, customers are to use a credit or debit card to make their first payment.
They don’t charge processing fees and use a progressive leasing financial program. You can also choose your payments, depending on how often you get paid, which can be weekly, bi-weekly, or monthly. While their maximum lease term is 15 months, most leases last to 12 months.
Frequently Asked Questions
Can you buy a mattress on credit?
Yes. If you don’t have enough money to buy a new mattress, you can still get the mattress you want from mattress financing programs. Many retailers offer this service both online and offline, so you’ll not have to do a lot of research. Plus, with most providers, the application is quick and simple, and most of them make an instant decision. However, because their terms and interest rates vary, you should compare different providers to see who has the most affordable terms.
Does financing a mattress hurt your credit?
Well, that depends on how you make the payments. If you pay on time and in full, it can help you establish a credit history and build a great credit score. However, like all loans, it can also harm your credit, especially if you miss a payment or you’re unable to pay the monthly payments. Also, note that every time you ask for a loan, the lender has to check your credit with the different credit bureaus. This is called a hard check, and it can reduce your points significantly.
What credit score do you need to buy a mattress?
Well, this will depend on the individual company you are using. For instance, for those using Mattress Firm, you’ll need a pretty good credit score of about 620. Some companies may need more or less. Please, confirm with the company of your choice about this requirement. Also, note that there is a no-credit-check financing program suitable for people with poor credit history. If your credit score disqualifies you from getting a financing option, you may want to consider this program. But, companies offering it have some rules and restrictions that you must meet to be considered.
What credit score does Mattress Firm require?
Your credit score needs to be fairly well to qualify for Mattress Firm’s credit card. They usually need a credit score of 620 or above. The company will have to check your credit report and your employment history to determine whether or not to approve your application. While it’s a fairly high credit score, it can be an excellent way of rebuilding your credit if you had issues in the past. Just make sure that you pay on time and in full.
Does Mattress Firm do a hard credit check?
Yes. Once you apply for its credit financing, the provider will check your credit and employment history from the relevant bodies. Note that a hard credit check may reduce your credit score. So if you are worried about your points, please think twice first.
Will financing a mattress build credit?
Well, that depends. Financing a mattress can build your credit if you make the minimum payments on time and pay the whole amount in full. If not, it can significantly hurt your credit. So, if you are planning to finance a mattress, make that you budget your expenses well so that you don’t miss a deadline.
Is Financing a Mattress Worth It?
It depends. Like other things, financing a mattress has its perks and drawbacks that you should learn about before taking this step. The main benefit of this program is that you can get a mattress without touching your savings if you can’t pay the money out of pocket. Also, mattress financing can help you build and establish your credit. However, you shouldn’t take this route if you suspect that you may not be able to make the minimum payments on time. Also, financing a mattress may cost more when the interest, added fees, and late payments are included. Therefore, weigh out all these factors before making a decision.
When you need a new mattress but can’t afford to pay for it, mattress financing may be beneficial. However, please research to find an offer that benefits you. Make sure that you choose a mattress within your budget range and read any contract offered before signing.