Enjoy convenient monthly payments with special financing options.
Comfort you can afford
Enjoy 0% interest financing if purchase is paid within promotional period
Minimum Purchase
Promo Period
$500
6 Month
$1,000
12 Month
$1,500
18 Month
$2,000
24 months
$3,000
36 Month
Enjoy zero interest for 36 Months*
Enjoy zero interest for 36 Months*
Equal monthly payments required for 36 months. Promo fee of 2% of amount financed will be included in required monthly payments.
*Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) < and including related optional debt cancellation fees>, and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Don't want to do a credit check? Pay over time with
- Be of legal age to enter into a contact
- Have a steady monthly income of $750
- Have an active checking account
- With apporovals up to $5,000 = get what you need today and manke payments over time with Snap!
Common Financing Questions
What financing options are available at Ortho Mattress?
We offer two financing options: Synchrony and Snap Financing. Whether you prefer short-term, no-interest plans or longer payment periods, we have solutions to fit your budget. Synchrony financing is ideal for long-term commitments, while Snap is our short-term option.
How do I apply for financing?
Applying for financing is simple! You can apply online directly through the financing application link on our website or visit any Ortho Mattress store where our sales associates can assist you with the process.
Do I need to make a down payment?
Down Payments are not required! You are free to put as little as $0 or as much money down as you would like!
What credit score is needed to qualify for financing?
Credit score requirements vary depending on the financing plan. Generally, Synchrony financing looks for fair to good credit, but Snap financing may be available for those with lower scores. Synchrony does submit a hard credit check, however, Snap does not.
How long will it take to get approved for financing?
In most cases, approval decisions are made instantly after submitting your application. If further review is needed, you will be notified promptly.
Are there any interest-free financing options?
Yes, we offer interest-free financing on all purchases over $500. We have a scale above that shows the different term lengths that we offer.
Are there any fees associated with financing?
Synchrony financing charges a 2% transaction fee for all financing contracts over 12 months.
What happens if I miss a payment?
If you miss a payment, it’s important to contact the financing company as soon as possible to discuss your options. Missing a payment could result in late fees or interest charges, depending on the terms of your agreement.
Can I pay off my financing early?
Yes! There are no penalties for paying off your financing early. If you’re able to pay off your balance before the financing term ends, you can save on interest charges.
How can I manage my financing account?
Once approved, you can manage your financing account through the lender’s online portal. You’ll be able to view your balance and make payments. You will also receive paperwork in the mail approximately 3 weeks after the delivery of your mattress!
Snap FAQ
What is Snap Finance?
Snap Finance offers lease-to-own financing for customers who may not have access to traditional credit. They provide a way to purchase items and pay over time.
What are the requirements to apply?
You need to be at least 18 years old, have a steady income, and an active checking account.
What are my payment options?
Payments can be made through the Snap Finance customer portal, by phone, or through automatic withdrawals from your bank account.
What is the 100-Day Option?
This option allows you to pay off your lease-purchase agreement within 100 days for a reduced overall cost.
How do I access my account?
You can access your account through the Snap Finance customer portal, where you can view your balance, make payments, and update your information.
Synchrony FAQ
What is Synchrony Finance?
Synchrony Finance offers a range of financial products, including credit cards, savings accounts, and loans. They partner with various retailers to provide financing options for consumers.
How do I apply for a Synchrony credit card?
You can apply for a Synchrony credit card online through their website or instore at one of our many convenient Southern California Locations!
What should I do if my card is lost or stolen?
Contact Synchrony immediately to report the lost or stolen card. They will assist you in securing your account and issuing a replacement card.
How do I register my credit card account and access my account?
To register, you’ll need your full account number and the last four digits of the primary account holder’s Social Security Number. You can register online through the Synchrony website.
Visit the Synchrony website and click on the login link. Enter your username and password to access your account.
How can I make payments?
Payments can be made online through the Synchrony customer portal, by phone, or by mail. You can also set up automatic payments for convenience
What is promotional financing?
Promotional financing offers special terms, such as deferred interest or reduced interest rates, for a specified period. It’s often available for large purchases.
How does Synchrony protect my account?
Synchrony uses advanced security measures, including encryption and fraud monitoring, to protect your account information.
What should I do if I suspect fraud?
Contact Synchrony immediately if you suspect any fraudulent activity on your account. They will guide you through the steps to secure your account and investigate the issue.