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Zinus Green Tea 12″ Memory Foam — Most-reviewed budget mattress on Amazon
Price: ~$200 queen | Amazon return policy | 10-year warranty
FlexShopper is a unique lease-to-own marketplace that lets you shop for mattresses and other items entirely online. Unlike programs tied to specific retailers, FlexShopper operates its own shopping platform. Here’s what you need to know.
What Is FlexShopper?
FlexShopper is an online marketplace where you can lease-to-own products from a catalog of hundreds of brands and items. For mattresses specifically, FlexShopper carries major brands including Serta, Beautyrest, Purple, and many others. The entire process — browsing, applying, and purchasing — happens on their platform, making it convenient for online shoppers.
How FlexShopper’s Lease Works
After selecting items, you apply for a “FlexShopper Spending Limit” — essentially a lease credit line. Approval is based on income and bank account verification, not traditional credit scores. Once approved, you can lease items up to your limit. Weekly payments are debited from your account automatically.
FlexShopper’s Early Purchase Option
Like other lease-to-own programs, FlexShopper offers an early purchase option. The specific terms vary by state and product, but buying out early consistently reduces the total amount paid compared to completing the full lease term.
Pros of FlexShopper
Entirely online — no store visits required. Wide selection of name-brand mattresses. Transparent upfront pricing. Approval primarily based on income, not credit. Fast delivery through standard shipping partners.
Cons of FlexShopper
Higher total cost than retail if you complete the full lease. Weekly payment structure may not suit everyone. No option to inspect a mattress in person before delivery. Return process for leased items can be complicated if you’re unhappy with the mattress.
Browse FlexShopper Mattresses →
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