Affiliate Disclosure: NoCreditSleep earns a commission when you purchase or finance through our links at no extra cost to you. We research financing options to help you find the best path to a good night’s sleep regardless of your credit situation.
Zinus Green Tea 12″ Memory Foam — Most-reviewed budget mattress on Amazon
Price: ~$200 queen | Amazon return policy | 10-year warranty
Finding mattress financing without a credit check used to mean overpaying at a rent-to-own store. Today, there are more options than ever — and some offer surprisingly fair terms. Here are the best no credit check mattress financing options available right now.
1. Progressive Leasing — Best Overall
Progressive Leasing is available at dozens of major mattress retailers including Ashley HomeStore, Mattress Firm, and many online brands. They use a soft credit check that won’t affect your score and primarily evaluate your banking history and income. A 90-day same-as-cash option lets you avoid additional charges if you pay off within 3 months. Available at thousands of retail locations nationwide.
See Progressive Leasing Retailers →
2. Acima — Runner Up
Acima (formerly known as Simple Finance) offers lease-to-own financing at a wide network of retailers. Like Progressive, Acima uses income and bank account verification rather than credit scores. Their early purchase option (EPO) lets you buy out early and significantly reduce total cost. Acima is available at both physical stores and online retailers.
3. Snap Finance — Best for Low Income
Snap Finance offers up to $5,000 in lease-to-own financing with minimal requirements — a bank account, regular income, and a phone number are the primary criteria. Their approval process is fast (often instant) and they work with a wide range of retailers. Higher total costs, but excellent accessibility for those who don’t qualify elsewhere.
4. FlexShopper — Best Online Selection
FlexShopper operates as an online marketplace where you can lease-to-own products from multiple categories including mattresses and bed frames. Weekly payment plans start low, and they’re transparent about total lease costs upfront. Good option if you prefer to shop entirely online.
Browse FlexShopper Mattresses →
5. Katapult — Best for Brand-Name Mattresses
Katapult (formerly Zibby) specializes in higher-end merchandise and is available at select retailers. They offer lease-to-own with no hard credit check and an early purchase option. If you’re looking to lease-to-own a premium mattress brand, Katapult may be available where others aren’t.
Comparing the Options
For lowest total cost: Affirm or Klarna (if you qualify). For easiest approval: Snap Finance or Acima. For widest retail availability: Progressive Leasing. For online shopping: FlexShopper.
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