American Made. By Appointment Only.


American Made. By Appointment Only.


You deserve a great night’s sleep. Mattress TODAY USA offers several kinds of financing or payment plans to meet your needs. We have several options that can help you get the mattress of your dreams today! Financing is available for in store purchases only. Please feel free to contact any of our store locations and we will be happy to answer any questions you may have.  If financing is not an option, credit cards or a personal loan from a financial institution are great alternatives. 


  • 18+ years of age
  • $1,000.00 income per month over the last 3 months
  • Checking account in good standing required


What is a 90 day buyout?

The 90-day buyout is our most popular payment option, and the easiest way for you to save. You will complete your lease and own the merchandise if you pay the 90-day price, listed in your lease agreement, within 90 days.


Acima Credit may be a good option if you:

Must buy something immediately and you don’t have savings or a credit card:  Given the high costs, it makes sense only if you pay off the lease within 90 days. Paying it off over 12 months doubles the cost of your purchase.

Acima also reports payment activity to credit bureau Experian, so timely payments may help build your credit.

Acima Credit is not a good idea if you:

Can’t pay it off early: Acima technically owns the item until you’ve repaid the lease in full. If you choose the 12-month term, you’ll pay almost double the purchase price. Read the terms and conditions carefully before leasing.


  • No minimum credit score requirement
  • Approval based on income
  • Payments can be made with a credit or debit card


  • 18+ years of age
  • Steady income ($1,000.00 per month)
  • Checking account required


Mattress TODAY USA offers No Credit Needed Financing program through SNAP! Finance. To get started, simply make an appointment at your local Mattress TODAY USA location or start the pre-approval process online.

This program is perfect if you have no credit, bad credit, bankruptcy or whatever your credit situation may be, you can qualify for up to $3000 instant credit.


  • Up to $3,000 approval amount per person, or $6,000 per couple.
  • Only $39 down payment total no matter how much you are approved for.
  • 100 Day “Same as Cash” early payoff option.
  • 90% approval rate within 5 second of completing the application.
  • Easy Online “Paperless” payment option.


  • 18+ years of age
  • $800.00 income per month
  • Checking account required


Simply apply online or set an appointment with a Mattress TODAY USA location. Valid on purchases in store only. In store credit amount is based on approved financing.


  • “No Credit Needed” does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check credit history and creditworthiness, but no established FICO score or credit history is necessary.
  • Finance terms up to 24 months