Mattress Financing Available with No Credit Check
The Pillowtop Factory provides easy mattress financing for shoppers looking to upgrade their sleep without the wait. Whether you need a twin, full, queen or king mattress, our flexible financing options make it simple to bring home a quality mattress with just a $15 down payment, an active checking account and proof of income. Approval happens quickly during your visit, with no hidden fees, no surprises and no interest if paid within 100 days. Contact us today for a quick, stress-free mattress shopping experience.
How Mattress Financing Works
Getting approved is simple. You only need:
- An active checking account at a bank or credit union with tellers
- A $15 down payment
- Proof of income, such as pay stubs or direct deposit history
Most customers receive instant approval while they shop. Credit checks and application processing happen in our showroom and some shoppers get pre-approval through our financing partners. Our team helps guide you through the process so you can focus on choosing the mattress for your comfort and support needs. Bring home your new bed the same day and start sleeping better immediately.
Mattress Financing Options in Marinette for All Credit Ratings
The Pillowtop Factory partners with Snap Finance and First Financial to offer flexible financing solutions, including:
- No credit needed approvals for a wide range of shoppers
- Zero interest when paid off within 100 days
- Financing amounts up to $5,000 to cover any size mattress or sleep setup
- Affordable monthly payments designed to fit your budget and lifestyle
Our financing programs remove barriers so you can invest in better sleep today without worrying about upfront costs. Whether you are furnishing a new home, setting up a guest room or upgrading your master bedroom, we help you find the right plan for your needs.
Why Finance Your Mattress?
Financing your mattress offers important advantages and makes upgrading your sleep easier:
- Take it home today: No waiting or delays — find your mattress and bring it home the same day
- Low upfront cost: Start with as little as $15 down, making it accessible for almost any budget
- Flexible payment terms: Choose an early payoff option or manageable monthly payments
- Top mattress brands: Finance trusted names like Sealy, Ashley, Beautyrest, Malouf Sleep, Evans and The Pillowtop Factory for long-lasting comfort and support
- Local support: Work directly with a family-owned business committed to making your experience fast, friendly and pressure-free
A better night’s sleep leads to better days and financing helps you get there faster.
Frequently Asked Mattress Financing Questions
Can I get mattress financing if I have bad credit?
Yes. Our financing partners offer no-credit-needed approvals, making it easy for more customers to qualify. Good credit may unlock additional options like lower payments or $0 down.
What if I do not have $15 today?
In some cases, with qualifying credit, $0 down financing may be available. Stop by the showroom and speak with a team member about available options.
How fast will I know if I am approved?
Most applications are processed on the spot. You will receive an approval decision within minutes to move forward without delay.
Is there interest on mattress financing?
No interest is charged if the balance is paid in full within 100 days. Affordable, fixed payments are available for longer terms.
What brands can I finance?
All major brands sold at The Pillowtop Factory, including Sealy, Ashley, Malouf Sleep, Beautyrest, Evans and our own Pillowtop Factory brand, qualify for financing.
Get Started with Mattress Financing Today
Upgrading your sleep has never been easier. Choose your financing option below, visit The Pillowtop Factory showroom in Marinette and enjoy the comfort, support and quality you deserve. Bring home your new mattress today and wake up feeling your best!