We have three financing options, read below to find out which is the best fit for you!


Option 1: Apply In-Store 6 or 12 Months Deferred Interest

With Approved Credit from Syncrony Bank | $0 Down

How do I get started?

  1. Get approved by filling out an electronic application in one of our stores. The process only takes a few minutes and you’ll know whether or not you are approved right away.
  2. Shop for your merchandise at a Northwest Mattress retail location or on the web.
  3. Purchases $799 and under are eligible for 6 months deferred interest. Purchases of $800 or more are eligible for 12 months deferred interest.
  4. Schedule a delivery or pickup.
  5. Enjoy restful, rejuvenating and blissful sleep.

How does deferred interest work?

Here is the legalese, “promotional period” refers to the 6 or 12 month offers: Offer applies only to single-receipt qualifying purchases No interest will be charged on the promo purchase if you pay the promo purchase amount in full within promotional period. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.

In layman’s terms: Deferred interest means that if you pay off the purchase within the defined 6 or 12 month promotional period, and you don’t make any late payments, you won’t be charged interest. If you do not pay it off within the promotional period, or you are late with a payment, you will be charged interest from the beginning of the financing.

How do I make payments?

Pay Online


Mail your payments to:
Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

Synchrony Bank does not accept payments made with a credit card.

Northwest Mattress cannot accept in-store payments.


Option 2: Apply Online or In-Store 90 Day Same-As-Cash

No-Credit-Check from Acima Credit | $50 Financing Fee

How does this program work?

  1. Get approved online or in-store.
  2. Shop for your merchandise at a Northwest Mattress retail location or on the web.
  3. Sign your lease agreement.
  4. There is a $50 fee for using this option payable to Northwest Mattress when the order is placed.
  5. Schedule a delivery or pickup.
  6. Enjoy restful, rejuvenating and blissful sleep.

If you have questions for Simple Finance directly, you can call them at 800.742.1789 or visit them on the web at simplefinance.com

What do I need to qualify?

You must have:

  1. 3 months of history with your current employer or current source of income.
  2. Deposited at least $1,000 per month into a checking account that has been opened for 90 days or more.
  3. No NSFs, excessive overdrafts, or negative balances on your current checking account.

How much can I be approved for?

Up to $3,000


Apply for no-credit-check financing through Acima

Option 3: Layaway

We are happy to do in-store layaway with a deposit of 15% down. Please ask a store associate for more details!