A good mattress is a ten-to-twenty-year purchase, and we would rather you buy the right one over a few months than the wrong one today. DreamBeds offers interest-free financing on orders over $500 through our lending partner, with a decision in about a minute at checkout.
Plans
- 0% APR for 12 months on orders of $500 or more. Example: a $949 Haven Queen is 12 payments of $79.08.
- 0% APR for 24 months on orders of $1,500 or more. Example: a $2,199 Aurora Queen is 24 payments of $91.63; the $8,499 Signature Suite Bundle is 24 payments of $354.13.
- Standard financing for 36 or 48 months at 9.99% to 29.99% APR, depending on credit, for orders of $500 or more.
With the 0% plans there is no interest and no fee as long as the monthly payments are made on time and the balance is paid within the term. Missing a payment can end the promotional rate. You can pay the balance early at any time with no penalty.
How to apply
- Add your products to the cart and choose “Pay monthly” at checkout, or apply in the showroom with an advisor.
- Enter your name, address, date of birth, the last four digits of your Social Security number and your mobile number. You must be 18 or older and a US resident.
- Get a decision in about a minute. Most applications are approved for the full cart; some are approved for a lower amount, in which case you can pay the difference by card.
- Choose the plan length and confirm. The first payment is due 30 days after delivery, not after ordering, so made-to-order products do not cost you anything until they arrive.
Credit check note
Checking your eligibility uses a soft credit inquiry, which does not affect your credit score. If you accept a plan, the lender performs a hard inquiry and reports the account and your payment history to the credit bureaus, which can affect your score positively or negatively depending on how the account is managed. Financing is provided by our lending partner, not by DreamBeds; rates and terms are subject to their approval, and the plans available to you may differ from the examples above.
Other ways to pay
We accept Visa, Mastercard, American Express, Discover, Apple Pay, Google Pay and PayPal online, and cash or card in the showroom. HSA and FSA cards are accepted for adjustable bases with a letter of medical necessity. Returns of financed orders are refunded to the lender first, and any amount you have already paid is refunded to you within 10 business days.