Looking to Finance a Mattress? Here’s Our 6 Brand Choices

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Mattresses are not a cheap investment, so most are looking to finance a mattress when they decide it’s time to buy.

But, not all mattress brands give you that option. A lot of the ones that do, are physical locations, with mattress brands that perform less than par.

It’s no secret that the mattress industry has boomed over the last several years.

Sales have increased substantially. A new brand appears what feels almost daily.

Unfortunately one thing remains in common: the cost.

So to help you out, we have decided to give you our list of the top 5 brands, if you are looking to finance.

Brands that have proven to live up to their customers expectations, all while making things affordable for you.

These brands are listed in no particular order.


Idle Sleep Mattress

idle-sleep-finance-a-mattressIdle Sleep has quickly became one of the most popular mattress brands available online; and to no surprise.

Highlights of Idle Sleep include:

  • Mattress financing as low as $9 per month
  • Four models to choose from
  • Longest sleep trial available at 18 months
  • Lifetime warranty
  • Free returns



Puffy Mattress

puffy-mattress-finance-a-mattressPuffy mattress has won awards in the mattress industry, including “Best mattress of 2020” and “Most comfortable mattress of 2018”.

See Our Puffy Mattress Review Here

Highlights of Puffy mattress include:

  • Multiple mattress financing options up to 6 months
  • Three different models to choose from
  • Lifetime warranty
  • 101 night sleep trial




Nectar Mattress

nectar-mattress-frontNectar mattress has been one of the most popular mattress brands the last couple of years, still boasting over 100,000 searches per month.

See Our Nectar Mattress Review Here

Highlights of Nectar mattress include:

  • Over 1 million mattresses sold
  • Lifetime warranty
  • 365 night risk free trial
  • Mattress financing up to 24 months



Dreamcloud Mattress

dreamcloud-mattress-financeA sister company of Nectar mattress, Dreamcloud has made its name known for its luxury, at an affordable price.

See Our Dreamcloud Review Here

Highlights of Dreamcloud mattress include:

  • Mattress financing up to 24 months at 0% APR
  • 365 night sleep trial
  • Lifetime warranty
  • Prices as low as $599



Nolah Mattress

nolah-mattressNolah mattress is one of the newer bed-in-a-box brands available. But they have proven to make a quick name for themselves, when it comes to sales.

Highlights of Nolah mattress include:

  • Financing up to 18 months
  • Five different models to choose from
  • 100% made in the USA
  • 120 night risk free trial





plushbeds-financeOne of the most popular luxury brands on the market, Plushbeds are mostly known for their organic mattress options.

See Our Plushbeds Review Here

Highlights of Plushbeds include:

  • Finance options up to 12 months at 0% APR
  • Multiple models to choose from, including sofa beds and RV mattresses
  • 25 year warranty
  • 100 night sleep trial



Thing to Consider When You Finance a Mattress

Just like purchasing clothes, mattresses are not a “one size fits all” solution.

Everyone has different sleeping habits, things such as:

  • Body temperature while sleeping
  • Prefer firm or soft mattress
  • Lightweight or heavier people
  • Different sleeping positions
  • Motion Transfer

It is important to consider these things, when deciding to finance your brand new mattress. Especially a brand that you are ordering online, and aren’t able to try out first in stores.

Let’s take a look at these conditions in a little more detail.


Body Temperature

Are you someone who tends to sweat at night, or do you get chilly?

If you are naturally a hot sleeper, most people tend to lean more towards a foam mattress, usually gel foam to be more specific.

Now, while each brand may call it something different, or have a different approach with their process, gel foam in itself has cooling properties.

This makes it a great choice for those who get too hot at night.

Even hybrid and latex model mattresses usually have at least 1 layer of foam in them, to help dissipate heat at night, and allow more breathability within the mattress itself.


Firm or Soft Mattress?

Some people prefer a soft mattress, while others prefer firmer options.

This is a personal preference here, and does not have anything to do with the mattress quality itself.

If you are someone who prefers a softer feel, then you will have more sinkage in the mattress; meaning less edge support.

If you prefer more edge support (maybe you sleep towards the edge of the bed), then you would be better suited with a firmer option.

All-foam mattress models will be softer than hybrid models, which offer a combination of foam and coils.



Another factor to consider is your bodyweight.

The heavier you are, the more sinkage you will experience, no matter what type of mattress that you choose.

If you are a lighter person, you will not sink as much into any mattress that you go with.

So, if you are a lightweight individual, and you prefer a more “hugging” feel, then you should leaning towards a memory foam option, instead of a latex or hybrid mattress.

If you weigh more, and you’d like to sink a little, but not too much – you should consider a hybrid or latex mattress over an all foam mattress.


Sleep Positions

This is an important fact that many people seem to overlook.

Mattresses typically by design favor certain sleeping positions.

This is purposely done, keeping your bodies alignment of spine, hips and shoulders into consideration.

Side sleepers should usually lean towards an all foam mattress, as it allows the mattress to properly conform and align your hips and shoulders as you sleep.

Back sleepers would be ok with any mattress model, it would come down to personal preference on soft or firm.

Bear in mind, if you are a back sleeper, you do need to take your bodyweight into account.

Stomach sleepers should typically look for a hybrid or latex model, for spinal alignment purposes.

Lying on your stomach on a mattress too soft, forces your spine to arch in a backwards manner, if the mattress itself is too soft.


Motion Transfer

Motion transfer is specifically important if you share your bed with a partner.

If you have a partner who tosses and turns throughout the night, you do not want the movement to affect you while you’re trying to sleep.

As a general rule of thumb, the more firm a mattress is, the more the motion will transfer to your partner.

Memory foam overall does a better job with motion isolation.

However, this does not mean a firmer mattress model will transfer all of your partners movements to you.

The science and technology involved in mattress construction these days allows most mattress models to limit motion transfer, no matter your choice.



When you decide to finance a mattress, more should be considered than just a cheap monthly payment.

You want to do your best to ensure that you have chosen the right mattress for you.

Hopefully this article has given you some quality points to consider when making a purchase of several hundred/thousand dollars.

Though we can not guarantee your overall satisfaction, we have tried our best to steer you in the right direction by choosing our favorite brands, increasing your odds of being happy.

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