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A good mattress is one of the most important purchases you can make for your health and quality of life — but quality mattresses are expensive, and most people can’t or don’t want to spend $600 to $1,500 all at once. Easy pay mattress plans let you get the mattress you need today and spread the cost over weekly or monthly payments, with no credit check required.
Mattresses are available through lease-to-own programs at most major retailers, in-store rent-to-own programs, and through online-only platforms. This guide compares the best easy pay mattress options by cost, selection, and ease of approval — so you can find the right plan without overspending or settling for less than what you need.
Why Mattresses Are a Good Candidate for Payment Plans
Unlike some furniture categories where you can get away with a cheaper option temporarily, sleeping on a bad mattress has real health consequences — back pain, poor sleep quality, fatigue, and reduced immunity. This makes a quality mattress genuinely non-negotiable. When the upfront cost is a barrier, a payment plan bridges the gap between what you need and what your budget allows right now.
The good news is that mattresses are carried by a wide range of retailers that partner with Acima and Progressive Leasing, making them easy to access through no-credit-check payment plans. Major mattress retailers like Mattress Firm and local bedding stores often participate in these programs.
Acima at Mattress Retailers: Wide Selection, Fast Approval
Acima partners with hundreds of mattress retailers nationwide, including Mattress Firm and many regional bedding stores. When you shop at a participating retailer, you can apply for Acima financing at checkout — online or in-store. Decisions come back in minutes, and you can take your mattress home the same day or schedule delivery.
Acima financing covers the full price of the mattress and any accessories like mattress protectors or box springs. Weekly or monthly payments are available, and the 90-day same-as-cash option lets you pay off the mattress at near-retail cost if you have funds available within 90 days.
Rent-A-Center and Aaron’s: In-Store Mattress Rentals
Both Rent-A-Center and Aaron’s carry mattresses at their store locations. Their selection is limited compared to specialty mattress retailers, but for someone who needs a basic to mid-range mattress quickly, they’re a reliable option. Same-day or next-day delivery is typically available for in-stock items.
Weekly payment amounts for mattresses at Rent-A-Center and Aaron’s vary by model and size. A twin mattress might run $12 to $18 per week; a queen might be $20 to $35 per week. Always calculate the total lease cost before signing — the convenience of in-store pickup comes at a higher total price than online alternatives.
FlexShopper: Online Mattress Payment Plans
FlexShopper carries a selection of mattresses in their online catalog with weekly payment options. Their pricing is generally lower than in-store rent-to-own programs. Shipping a mattress takes longer than local delivery — typically five to ten business days — but for non-urgent purchases, the cost savings can be significant.
For online shoppers already comfortable with mattress purchases via the internet, FlexShopper provides one of the most cost-effective weekly payment options available without a credit check. Mattresses are typically shipped vacuum-rolled in a box, which many customers find convenient.
Tips for Getting the Best Easy Pay Mattress Deal
Shop during mattress sales events — Memorial Day, Labor Day, and Black Friday consistently offer the deepest discounts at major retailers. Because lease-to-own costs are based on the retail price, buying during a sale directly reduces your weekly payment and total lease cost. A mattress on sale for $700 instead of $1,000 could save you $150 to $300 in total lease payments.
Always compare the full-term total cost across programs, not just the weekly amount. And if you have any ability to pay off the lease early, do it — the early payoff savings on a mattress can be substantial. The 90-day option at Acima and Progressive Leasing is particularly valuable for mattresses, where the retail-to-lease-cost gap is significant.
Start Your Easy Payment Plan Today — Approved in Minutes
Whether you need furniture today or want to plan your purchase, EasyPayQuick.com connects you with payment plans that fit your budget. No credit required, weekly or monthly payment options, and fast same-day approval available. Apply in minutes and get the home you deserve without the wait.
Frequently Asked Questions
Can I get a mattress with a weekly payment plan and no credit check?
Yes. Programs like Acima, Progressive Leasing, Rent-A-Center, Aaron’s, and FlexShopper all offer mattress financing without a credit check.
How much are typical weekly mattress payments?
Weekly payments range from about $12/week for basic twin mattresses to $35+/week for queen or king models, depending on the program and lease term.
Can I get a mattress delivered the same day with a payment plan?
Yes. In-store programs at Rent-A-Center and Aaron’s can often deliver the same day or next day. Retail stores using Acima can also arrange same or next-day delivery.
What’s the cheapest way to get a mattress on a payment plan?
Shop during a sale at a retailer that partners with Acima or Progressive Leasing, then use the 90-day same-as-cash option to pay off at near-retail price. This minimizes total cost while preserving cash in the short term.
Does getting a mattress on a payment plan affect my credit?
No hard credit pull is made with lease-to-own programs, so applying doesn’t affect your credit score. Some programs may do a soft pull that’s not visible to other lenders.
Affiliate Disclosure: EasyPayQuick.com participates in affiliate programs with Acima, Progressive Leasing, Rent-A-Center, Aaron’s, FlexShopper, Klarna, Affirm, and other payment plan and lease-to-own providers. We may earn a commission when you click links and complete an application. This does not affect your approval odds, payment terms, or the cost of your plan. All information is provided for educational purposes only.