Sleep better. Pay later.
Mattress Financing

0% APR*

Zero down*, zero interest, zero late fees
*for qualified applicants / checking won't harm your credit.
120 Night trial + Financing = No brainer!

With a 120 nights trial on every Layla® mattress, 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
Most Popular
Most Popular Memory Foam Mattress

$150 off + 2 FREE Pillows

Hybrid Mattress
Most Features
Most Featured Hybrid Mattress

$200 off + 2 Layla Pillows FREE

Mattress Financing FAQ

  • Getting approved for mattress financing is easy. At Layla, we partnered with Affirm, a buy now, pay later company that makes financing large purchases like a mattress easy. To get started, 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.
    Once you’ve created an account with Affirm and have been approved, you can manage your payments through their mobile app that can be downloaded on iOS or Android, or on the web.

  • If you’re looking to improve your sleep but the high sticker price of mattresses is holding you back, mattress financing can help. There are several benefits to financing a mattress, such as:

    1. Affordability: Perhaps the most important benefit of mattress financing is making larger purchases like a mattress more affordable. Rather than having to make a large lump sum payment upfront, you’re able to make smaller payments over a designated time period, allowing you to sleep on your new mattress before finishing your payments.
    2. Flexible payment options: The buy now, pay later model gives you flexible payment options, such as 3 months, 6 months, and 12 months. This can help you choose a payment plan that works for your financing situation.
    3. Interest-free payments: With companies like Affirm, you won’t be charged interest when financing a mattress, which helps keep costs down.
    4. Soft inquiry: When financing a mattress, you don’t need to worry about your credit score dropping. Because mattress financing results in a soft inquiry rather than a hard inquiry, you can purchase a mattress that works for you without fear of derogatory marks on your credit report.

  • Our secure lending partner, Affirm, will run a soft check on your credit that will not harm your credit standing. A soft credit check, also known as a soft inquiry, occurs when you authorize someone, such as Affirm, to review your credit report before borrowing money. Soft inquiries do not impact your credit score, meaning you don’t have to worry about your Layla mattress affecting your credit standing.

  • With Affirm, you can choose a mattress financing plan that works for you. Once approved and you proceed to checkout, you will have the option to choose a 3, 6, or 12-month term. This way, you can pay off your mattress in a timeframe that works for your financial situation.

  • Your monthly payment depends on how much you spend and the term length you choose (3, 6, or 12 months). Once at checkout, you will see the exact terms and monthly payment totals before you complete your order. For example, if you purchase a queen sized Layla memory foam mattress for $1,099 and choose the 12-month repayment plan and receive 0% APR, your monthly payment can be as low as $92 per month.

  • When it comes time to finance a mattress at Layla, setting up your monthly payments with Affirm is easy. At checkout, select "Affirm Monthly Payments" and choose 3, 6, or 12 months. Then, simply complete your order, and Affirm will email the details regarding your payment dates and amounts.

  • No. You will never be charged a late fee with Affirm financing, guaranteed. No matter the circumstance, the Affirm pledge is to work with you and never charge additional fees if you need more time to pay. However, while you won’t be charged any late fees, missed or partial payments can damage your credit score and make it more difficult to get a loan with Affirm in the future. Setting up autopay and creating a budget can help you make on-time payments and afford the products you’re purchasing.

  • If you’re new to borrowing, you may come across certain terms you’re unfamiliar with. The most common terms that come with mattress financing, and any type of financing for that matter, are down payment, APR, and interest rate. Here’s a breakdown of each term:

    1. Down payment: A down payment is the initial upfront partial payment made on a product purchased with credit. This partial payment is typically a percentage of the overall cost, such as 5%, 10%, or 20%, and the amount you put down depends on your preferences, current financial situation, and terms and conditions set by the provider.
    2. Interest rate: The interest rate refers to the amount a lender charges a consumer to borrow money. Interest rates are expressed as a percentage and are calculated based on the percentage of money lent.
    3. APR: Annual percentage rate, or APR, is the interest rate you pay for the entire year and is the cost you pay for borrowing money from a provider. APR is often expressed as a percentage, such as 1%, and includes fees and other charges. APR provides borrowers with a clearer picture of how much they’ll pay, as it includes the interest rate and other fees associated with taking out a loan.

  • For qualifying participants, the down payment on a Layla mattress is $0 with our mattress financing through Affirm. However, depending on your eligibility, you may be required to make a down payment.

    1. The APR is 0%.
    2. The interest rate is 0%.

  • 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.

  • 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. Thanks to our refund policy, you have peace of mind knowing you have the opportunity to try out one of our memory foam or hybrid mattresses without full financial commitment if a Layla mattress isn’t right for you.

  • Absolutely. You can choose to finance any Layla® product, including our down alternative comforter, bamboo bed sheets, memory foam pillow, weighted blanket, bed frames and bases, and more.

  • Affirm is a secure online lender that makes it totally easy on you. From their approval process to their payment setup, it just doesn't get any easier to finance your purchase. Affirm is a buy now, pay later provider that helps customers finance purchases from clothing to appliances, and yes, mattresses. You can think of Affirm as a short-term loan provider, allowing you to pay for a product in either 3, 6, or 12 months. Check out their website to learn more about Affirm.

  • Financing mattresses are a great way to get quality sleep without having to deal with the high upfront cost. Affirm makes it easy to afford large purchases like mattresses in a few simple steps. Here’s how Affirm works:

    • 1. When checking out with Affirm, you will be asked to provide information, including your name, date of birth, mobile phone number, email, and the last four digits of your social security number. It’s important to ensure the information you provide is correct for a smooth checkout process.
    • 2. After inputting your information, Affirm will send a text message with an authorization code to your mobile phone.
    • 3. Add your authorization code to your application.
    • 4. After confirmation, Affirm will provide details regarding your loan amount, interest rate, and payment periods, such as 3, 6, or 12 months.
    • 5. To continue with Affirm, you will have to accept their terms and conditions.
    • Affirm will send monthly texts and emails to remind you about upcoming payments. Borrowers can also set up autopay to ensure they don’t miss any payments.