Financing and Leasing

When you buy a mattress at one of our Sleep Outfitters
stores, we offer you several ways to pay for your new
bed — including financing. Our financing providers
Synchrony Bank, Genesis Credit, and Acima Leasing
offer a variety of mattress financing and leasing options.

showroom floor full of beds

Financing and Leasing

When you buy a mattress at one of our Sleep Outfitters stores, we offer you several ways to pay for your new bed — including financing. Our financing providers Synchrony Bank, Genesis Credit, and Acima Leasing offer a variety of mattress financing and leasing options.

showroom floor full of beds

Financing and Leasing

When you buy a mattress at one of our Sleep Outfitters stores, we offer you several ways to pay for your new bed — including financing. Our financing providers Synchrony Bank, Genesis Credit, and Acima Leasing offer a variety of mattress financing and leasing options.

synchrony card for sleep outfitters

Earn Up to 3% Back**

In the form of a statement credit with 12 or 18 months special financing* on purchases of $4,500 or more made with your Sleep Outfitters or Synchrony HOME Credit Card from 5/13/24 - 12/31/24. Rebate form submission required.

12-Month Rebate Form for 3% | 18-Month Rebate Form for 2%


See if You Pre-Qualify‎ ‎ ‎ ‎ Apply Now

synchrony card for sleep outfitters

Earn Up to 3% Back**

In the form of a statement credit with 12 or 18 months special financing* on purchases of $4,500 or more made with your Sleep Outfitters or Synchrony HOME Credit Card from 5/13/24 - 12/31/24. Rebate form submission required.

12-Month Rebate Form for 3% | 18-Month Rebate Form for 2%


See if You Pre-Qualify‎ ‎

Apply Now

synchrony card for sleep outfitters

Earn Up to 3% Back**

In the form of a statement credit with 12 or 18 months special financing* on purchases of $4,500 or more made with your Sleep Outfitters or Synchrony HOME Credit Card from 5/13/24 - 12/31/24. Rebate form submission required.

12-Month Rebate Form for 3%

18-Month Rebate Form for 2%

See if You Pre-Qualify

Apply Now


Our Financing and Leasing Options


Sleep Outfitters Credit Card

The Sleep Outfitters USA credit card gives you the flexibility to buy today and pay over time.

As a Sleep Outfitters USA cardholder, you'll enjoy benefits such as:

  • No annual fee2
  • Promotional financing options available every day3
  • Convenient monthly payments
  • Online account access
  • View All Financing Offers

1 Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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, including related promo fee and equal monthly payments are required on promo purchase 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 whole 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 monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. For New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

2 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.

3 Subject to credit approval. Minimum monthly payments required. See store for details.

No Interest if paid in full within 12 months*

On purchases of $1,000 or more made with your Sleep Outfitters or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 12 months. Minimum monthly payments required.

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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 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. A Promo Fee does not apply to this offer.

No Interest if paid in full within 18 months*

On purchases of $1,500 or more made with your Sleep Outfitters or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 18 months. Minimum monthly payments required.

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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 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. A Promo Fee does not apply to this offer.

3% Back in Statement Credit

**Subject to credit approval. Offer valid on qualifying purchases of $4,500 or more and must be on a single receipt. Rebate information must be submitted online or postmarked within 30 days of purchase date on receipt. For accounts that qualify, 3% of purchase(s) amount (minus returns and adjustments) will post to your account in the form of a statement credit. Rebate information must be submitted online using Offer Code: 24-80353 at synchrony.sendmyrewards.com. The statement credit will post to your account within 60 days after receipt of rebate submission. Each single receipt purchase made must be registered to receive the statement credit. Account must remain open, in good standing, and not become delinquent at the time the statement credit is applied. Please keep a copy of your original receipt(s) for your records. Visit synchrony.sendmyrewards.com/reward-tracker or call 866-396-8254 or the number on the back of your Credit Card to inquire about your rebate status. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. Combinable with 12 months promotional financing only. Cannot be combined with other promotional financing offers. Statement credit cannot be used to satisfy the required monthly payment on your Sleep Outfitters or Synchrony HOME credit card account and may not be redeemed for cash or cash equivalent.

2% Back in Statement Credit

**Subject to credit approval. Offer valid on qualifying purchases of $4,500 or more and must be on a single receipt. Rebate information must be submitted online or postmarked within 30 days of purchase date on receipt. For accounts that qualify, 2% of purchase(s) amount (minus returns and adjustments) will post to your account in the form of a statement credit. Rebate information must be submitted online using Offer Code: 24-80354 at synchrony.sendmyrewards.com. The statement credit will post to your account within 60 days after receipt of rebate submission. Each single receipt purchase made must be registered to receive the statement credit. Account must remain open, in good standing, and not become delinquent at the time the statement credit is applied. Please keep a copy of your original receipt(s) for your records. Visit synchrony.sendmyrewards.com/reward-tracker or call 866-396-8254 or the number on the back of your Credit Card to inquire about your rebate status. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. Combinable with 18 months promotional financing only. Cannot be combined with other promotional financing offers. Statement credit cannot be used to satisfy the required monthly payment on your Sleep Outfitters or Synchrony HOME credit card account and may not be redeemed for cash or cash equivalent.

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