Money Back Guarantee100% Money Back
Love it or your money back. Period. No hassles, no return fees. If you are not getting the best sleep of your life, we will refund you 100% of every penny you paid.
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Sleep Better.
Pay Later.
0% APR* Zero Down, Zero Interest with affirm
*for qualified applicantsGET APPROVED NOW

Checking won't harm your credit.

Easy Financing
Mattress Financing made easy.

Get a real time decision in about 2 minutes with just a few pieces of information. Finance a mattress, pillows, sheets, bases or whatever you want. Check your eligibility, get approved in minutes and go shopping for the bedroom you've always wanted, and the sleep that you deserve.

No Late Fees... Ever.

Not only is mattress financing with Layla® and Affirm super easy, we guarantee to never charge you late fees no matter what the circumstance. Life happens and we're here to flex and flow with you. If you ever need more time to make a payment, we'll never hit you with a late fee...promise!

Easy Financing no late fee
120 Night Trial + Financing = No Brainer!

With 120 nights to try your Layla® products, paired with low monthly payments, you only have to lay out a few bucks to try out one of our award winning mattresses.

If you don't love it, no problem - We'll just refund all the payments you've made.

Memory Foam Mattress

Layla Memory Foam Mattress
$150 off + Free Pillows & Accessories
Most Popular
Starts at $549.00
  • All foam construction.
  • Copper infused memory foam.
  • Flippable - soft on one side, firm on the other.
Quick View +

Hybrid Mattress

Layla Hybrid Mattress
$200 off + Free Pillows & Accessories
Most Features
Starts at $1,099.00
  • Mix of foam and coils.
  • Copper infused memory foam.
  • Flippable - soft on one side, firm on the other.
Quick View +


1. How do I get approved for mattress financing?

You just have to provide a few bits of information to Affirm in order to get a real time approval decision. You can do that one of 3 ways:

  1. Click here and get approved now, then select "Affirm Monthly payments" at checkout.
  2. Click the "Get Approved - Affirm" button on any of the product detail pages.
  3. Load up your cart and choose "Affirm Monthly Payments" at checkout.
2. Do you run a credit check for mattress financing?
Our secure lending partner Affirm will run a soft check on your credit that will not harm your credit standing.
3. What term lengths are available for mattress financing?
Once approved and you proceed to checkout, you will have the option to choose a 3, 6, or 12 month term.
4. What will be my monthly payment when I finance a mattress?
Your monthly payment depends on how much you spend and the term length you choose (3, 6, or 12 month). Once at checkout, you will see the exact terms and monthly payment totals before you complete your order.
5. How do I set up my monthly payments for mattress financing?
At checkout select "Affirm Monthly Payments" and choose 3, 6, or 12 months. Then simply complete your order and Affirm will email details on your payment dates and amounts.
6. Are there any late fees if I miss a monthly payment?

No. You will never be charged a late fee with Affirm financing, guaranteed. No matter what the circumstance, the Affirm pledge is to work with you and never charge additional fees if you need more time to pay.

7. What is the down payment, APR, and interest rate for financing a mattress?

The down payment is $0 if you qualify. Depending on your eligibility, you may be required to make a down payment.

The APR is 0%.

The interest rate is 0%.

8. What's the return policy if I finance a mattress?

The return policy for all Layla® products is the same no matter how you choose to pay. For mattresses, you have 120 nights to return the mattress for any reason. If you choose to return, we'll pick up the mattress from you and refund all of the payments you've made to that point. If you made a down payment, that will also be refunded.

9. Will I be refunded all of the monthly payments I've made if I return the mattress?

Yes, you will be refunded all of your monthly payments if you choose to return the mattress within the stated trial period. If you made a down payment, that will also be refunded. You will get 100% of your money back.

10. Is financing good for other Layla® products?

Absolutely. You can choose to finance any Layla® product.

11. What is Affirm?

Affirm is a secure online lender that makes it totally easy on you. From their approval process, to their payment set up, it just doesn't get any easier to finance your purchase. Check out their website to learn more about Affirm.

Need help deciding which mattress is right for you?

Make easy monthly payments over 3, 6, or 12 months
Layla Affirm
Checking your eligibility won't affect your credit score.