Financing
Buzz-Worthy Payment Options!
At Zippy Mattress, we believe a great night’s sleep shouldn’t have to wait! That’s why we offer plenty of buzz-tastic ways to pay — from classic credit cards to flexible financing and easy lease-to-own options.
1. Credit Cards – Quick & Easy Checkout!
We make paying a breeze!
Zippy Mattress happily accepts:
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Visa
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MasterCard
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American Express
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Discover
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And other major credit cards
Just click — and your dream bed will be on its way! 🛏️✨
2. Financing Options (via Synchrony HOME™ Credit Card)
Sweet dreams and smart payments go hand in hand! With a Synchrony HOME™ Credit Card, you can stretch out your payments — and your comfort — with flexible, no-interest options.
Deferred Interest Financing
No Interest for 6 or 12 Months on qualifying purchases — as long as you pay in full within the promo period!
| Offer | Qualifying Purchase | Details |
|---|---|---|
| 6 Months | $298 or more | Minimum monthly payments required |
| 12 Months | $598 or more | Subject to credit approval |
⚠️ Interest will apply from the purchase date if the balance isn’t paid in full by the end of the promo period.
💬 Buzz Tip: Discounts may affect qualifying amounts. Minimum Interest Charge $2. Existing cardholders, please refer to your credit card agreement.
Equal Monthly Payment Financing (No Interest)
Want to keep things simple? Choose No Interest for 12, 24, 36, 48, or 60 Months with equal monthly payments!
| Term | Qualifying Purchase |
|---|---|
| 12 Months | $598 or more |
| 36 Months | $1,498 or more |
| 60 Months | $1,998 or more |
- Equal monthly payments required for the full term
- 2% promo fee applies (added to financed amount)
- No interest if payments are made on time each month
- Subject to credit approval
Example:
Buy a $950 mattress and add $50 for taxes and shipping ($1,000 total). A 2% promo fee ($20) brings your financed amount to $1,020, divided into equal monthly payments based on your chosen term. Easy-peasy, cozy-squeezy!
3. Lease-to-Own Options (No Credit Needed)
Dream big — no credit required! With Snap Finance, get your new Zippy Mattress delivered as soon as tomorrow and pay over time.
- Fast, simple application — decisions usually made in seconds
- Flexible 12–18 month terms with early buyout options
- Available online or in-store at participating retailers
Why You’ll Love It:
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No credit needed
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Fast, simple application
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12–18 month terms with early buyout options
Important Disclosures
The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of MN, NJ, or WI.
1. Not all applicants are approved. While no credit history is required, Snap may review information from consumer reporting agencies, which can affect your credit score.
2. The default payment plan includes 12- to 18-month renewable terms. To exercise an early ownership option (like the 100-Day Option), make all regular payments on time and pay the required amount within the applicable timeframe. The 100-Day Option includes a cost of lease above the merchandise price.
📞 Need help? Contact Snap Customer Care at 1-877-557-3769.
Rest Easy, Pay Happy!
Whether you’re using a card, financing over time, or leasing to own — Zippy Mattress makes it easy to get the sleep you deserve without losing a wink.
