Best mattresses with Affirm financing – data-backed performance tests

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There’s no denying that buying a good quality mattress – one that actually helps you sleep better – can be expensive and with the cost of, well, everything rising, you sometimes wonder if it’s all worth it (it is). Before you go pawning off a kidney, here are the best mattresses that you can buy with Affirm financing. Our Editor’s Choice is the Bear Star Hybrid.

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Top 10 mattress brands you can finance with Affirm

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#1. Bear Star Hybrid

Pros

• Suitable for all sleeper types
• Offers responsive support
• Helps with muscle recovery
• Temperature regulating

Cons

• Motion isolation is not the best
• Might be a little too firm for lightweight side sleepers

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Why it’s the best

The only mattress brand that features Celliant in their mattress covers, Bear is a couple of steps ahead of the game and the Star Hybrid mattress is, well, the star.

Made from a combo of cooling gel-infused foam and individually-wrapped steel coils, the Bear Star Hybrid also features a plush pillow top that really does help with pressure relief (in my experience).

But back to the Celliant.

Studies have shown that Celliant (a textile tech that helps convert body heat into infrared energy) not only helps with temperature regulation but also helps your body recover while you sleep. Win win win.

The only thing is though, if you share a bed with a partner, you may experience a significant amount of motion transfer so don’t say I didn’t warn you.

Specs at a glance

Bear Star Hybrid Performance

The Bear Star Hybrid sits at a 6.5 on the mattress firmness scale giving it a medium-firm feel.

Medium-firm mattresses are good for most sleeper types. Some side sleepers though, especially those who weigh less than average, may find the mattress to be a tad too firm.

Since it’s a hybrid, it’s good for heavier-set people because the coils provide them with the extra support they need.

We rate the Bear Star Hybrid a 9 out of 10 when it comes to comfort and pressure relief.

The mattress may only have three layers but those three layers are more than enough to provide you with contouring and compression as well as pressure point relief.

We rate the Bear Star Hybrid a 9 out of 10 when it comes to cooling.

Aside from its cooling gel-infused comfort layer, the Celliant cover helps regulate your temperature allowing you to sleep cool when it’s hot and sleep warm when it’s cold.

We rate the Bear Star Hybrid a 6.5 out of 10 when it comes to motion isolation.

True, the mattress contains two different comfort layers, but the second layer is pretty responsive which makes the mattress a little too springy for my liking. You will experience quite a significant amount of motion transfer if you share a bed with a partner.

We rate the Bear Star Hybrid a 9 out of 10 when it comes to edge support.

The mattress contains reinforced edge coils that help provide extra support along the perimeter of the mattress.

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Alternate pick: Bear Natural

If you prefer something made with organic materials, check out the Bear Natural.

Made from layers of organic latex foam, the Natural has a softer feel and provides more support for your back compared to the Star Hybrid.

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#2. Helix Midnight Elite

Pros

• Good for those who suffer from chronic pain
• Great for side sleepers
• Pressure relieving
• Cooling

Cons

• Edge support could be better
• Not suitable for strict stomach sleepers

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Why it’s one of the best

Sometimes you just want a mattress that swallows you up like a fluffy cloud . 

Made up of a blend of memory foam layers and pocketed coils as well as micro-coils, the Helix Midnight Elite offers deep compression and contouring that’s great for those who sleep only on their sides.

While you may think that two layers of coils make for a pretty bouncy mattress, the memory foam offsets the springiness of the coils which translates to more support.

Unfortunately, the softness that I like in the Helix Midnight Elite is also the cause for its not-so-good edge support.

Specs at a glance

Helix Midnight Elite Performance

The Helix Midnight Elite sits on a 4.5 on the mattress firmness scale which gives it a medium-soft feel.

Medium-soft mattresses are best for combination sleepers and side sleepers.

We rate the Helix Midnight Elite a 10 out of 10 when it comes to comfort and pressure relief.

I found that the multiple layers of memory foam and coils come together to provide solid pressure relief.

We rate the Helix Midnight Elite a 7 out of 10 when it comes to cooling.

The GlacioTex cooling cover seems to do a very good job at keeping heat at bay. Not the best, but definitely not the worst either.

We rate the Helix Midnight Elite a 7.5 out of 10 when it comes to motion isolation.

Because it contains more than one layer of coils, there is a tiny amount of motion transfer which you can definitely feel, especially if you share a bed with someone who’s significantly heavier than you are.

We rate the Helix Midnight Elite a 6.5 out of 10 when it comes to edge support.

You will find yourself rolling off the bed if you are the type of sleeper who likes sleeping close to the edge.

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Alternate pick: Helix Midnight

For something a little cheaper, check out Helix’s baseline model, the Midnight.

Built similarly to the Midnight Elite, the Helix Midnight also features multiple foam layers but without the extra micro-coil units.

You still get the same pressure relief and compression and slightly better edge support.

20% off coupon code: SLEEPLINE20

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#3. Brooklyn Bedding Aurora Luxe

Pros

• Features a soft, plush pillow top
• Very cooling
• Suitable for all sleeper types
• Offers responsive support

Cons

• Motion isolation could be better
• Poor edge support

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Why it’s one of the best

We’re pretty stingy when it comes to rating mattresses full marks… but the Brooklyn Bedding Aurora Luxe gets all the accolades when it comes to pressure relief.

You get just the right amount of compression and a ton of responsive support thanks to its hyper-elastic copper foam blend and plush pillow top that’s backed by a robust coil unit.

The Brooklyn Bedding Aurora Luxe comes in three different firmness options.

Another thing that’s of note is that it’s very cooling which makes it great if you’re a hot sleeper.

Specs at a glance

Brooklyn Bedding Aurora Luxe Performance

The Brooklyn Bedding Aurora Luxe comes in three different firmness options: soft, medium and firm.

The soft version is best for side sleepers while the medium version is an all-arounder, good for most sleeper types including combination sleepers. The firm version is best for those who sleep mostly on their backs or stomachs.

We rate the Brooklyn Bedding Aurora Luxe a 10 out of 10 when it comes to comfort and pressure relief.

If you think the plush pillow top is what’s doing all the heavy lifting here – you are sadly mistaken. Sure, it plays its part very well but it’s actually the combo of hyper-elastic foam and pocketed coils along with the plush pillow top that makes the Aurora Luxe mattress truly outstanding.

We rate the Brooklyn Bedding Aurora Luxe an 8.5 out of 10 when it comes to cooling.

The mattress contains actively-cooling materials including a GlacioTex cover that helps with heat retention. Though not the most cooling mattress I’ve tried, it’ll definitely make even the hottest of sleepers happy.

We rate the Brooklyn Bedding Aurora Luxe a 6.5 out of 10 when it comes to motion isolation.

I did experience quite a bit of motion transfer when I tried it out with a partner due to its thicker coil unit. This could be an issue if you share a bed.

We rate the Brooklyn Bedding Aurora Luxe a 6 out of 10 when it comes to edge support.

The mattress does not contain any reinforced edge coils which makes its edge support pretty weak. It’s not going to support you if you like sleeping close to the edge.

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Alternate pick: Brooklyn Bedding Signature Hybrid

If you prefer something with better motion isolation and edge support, check out the Brooklyn Bedding Signature Hybrid.

The Signature Hybrid is a good choice for those who share a bed with a partner or a pet due to its thick comfort foam layer that helps absorb cross-mattress movement.

25% off coupon code: SLEEPLINE25

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#4. Saatva Classic

Pros

• Comes in multiple firmness options
• White glove delivery
• Good for couples
• Cooling

Cons

• Can be a bit too pricey for some
• Edge support can be too firm

Why it’s one of the best

If you’re looking to splurge a little, you can’t get much better than the Saatva Classic.

The only mattress on this list that offers white glove delivery, it features a streamlined yet surprisingly simple construction that ticks all the boxes in terms of what I look for in a serious mattress.

Pressure relief? You got it. Responsive support? Yup. Cooling? Very. Antimicrobial? You got it. It’s just the perfect all-rounder that can support every sleeper type.

In fact, the Saatva Classic is just too good that it kinda backfired when they designed their edges – it’s a hair too high and a tad too firm which, for some people, can be a problem.

Specs at a glance

Saatva Classic Performance

You get to choose between three different firmness options with the Saatva Classic – medium-soft, medium and medium-firm.

The medium-soft version is best for side sleepers, the medium-firm version is best for those who sleep strictly on their stomachs or backs, and the medium version can accommodate most sleeper types including combination sleepers.

We rate the Saatva Classic a 9.5 out of 10 when it comes to comfort and pressure relief.

Simple as the construction may be – no multiple layers of foam here, just a memory foam comfort layer and a coil unit – you still get ample contouring and pressure relief. It feels like sleeping in a traditional memory foam bed just without the dreaded sinkage.

We rate the Saatva Classic a 9.5 out of 10 when it comes to cooling.

Surprisingly enough, it doesn’t contain any actively-cooling materials except for the gel-infused memory foam but it is, by far, one of the coolest mattresses I’ve ever laid on. This makes it the perfect choice for those that tend to sleep hot.

We rate the Saatva Classic an 8.5 out of 10 when it comes to motion isolation.

I barely felt any cross-mattress movement when I tried it out with a partner making it a great choice for those that share a bed.

We rate the Saatva Classic a 7.5 out of 10 when it comes to edge support.

I’m not saying that the edge support is bad – it does have high density foam rails which help a lot. It’s just that it’s a raised a bit too high and it’s a little too firm, which can be uncomfortable to lie on or sit on.

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#5. Plank Firm Luxe

Pros

• Flippable design
• Suitable for heavier-set individuals
• Cooling
• Great edge support

Cons

• Not suitable for strict side sleepers
• Slight motion transfer

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Why it’s one of the best

The Plank Firm Luxe is the first mattress that we’ve given full marks to in the edge support category (ever) and that’s saying something because it’s not really being advertised as having any reinforced coils.

Edge support on a mattress is often overlooked as a feature that doesn’t really matter…but trust me, it matters.

I also like that the Plank Firm Luxe is flippable which means you get two different firmness levels within one mattress.

But here’s where it gets a little tricky – both sides are firm which means the mattress is really only suitable for back or stomach sleepers. Sorry, side sleepers.

Specs at a glance

Plank Firm Luxe Performance

You get two different firmness levels in one – a firm on one side and an extra firm on the other.

Firmer mattresses like the Plank Firm Luxe are only suitable for those who sleep strictly on their backs or stomachs.

We rate the Plank Firm Luxe an 8.5 out of 10 when it comes to comfort and pressure relief.

For back and stomach sleepers, the mattress provides more than enough contouring and pressure point relief for all their main pressure points. Unfortunately I can’t say the same for side sleepers (I’d say the opposite actually).

We rate the Plank Firm Luxe a 9 out of 10 when it comes to cooling.

Although it doesn’t contain any actively-cooling materials, it does a stellar job at keeping heat retention at bay, partly because both sides of the mattress don’t really allow you to sink in enough for heat to engulf you.

We rate the Plank Firm Luxe a 7 out of 10 when it comes to motion isolation.

Certainly not the best I’ve tried but it holds its own when it comes to deadening any cross-mattress movement. I barely felt any motion transfer when I tried it out with a partner.

We rate the Plank Firm Luxe a 10 out of 10 when it comes to edge support.

This is where the mattress really shines. I was basically locked in even though I was practically lying on the very edge of the bed.

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Alternate pick: Plank Firm

If you prefer a firm mattress with better motion isolation, check out the base model Plank Firm mattress.

Just like the Firm Luxe, the Firm is flippable. Surprisingly, I found that the motion isolation was actually much better on this one than on the more expensive Luxe model.

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#6. SweetNight CoolNest

Pros

• Good for couples
• Cooling
• Pressure relieving
• Budget-friendly

Cons

• Poor edge support
• Not suitable for strict side sleepers

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Why it’s one of the best

Budget-friendly and cooling are two words that don’t normally go together, but the SweetNight CoolNest is the exception to that rule.

Made up of a few different layers of memory foam, the SweetNight CoolNest offers the compression and pressure relief that you’d expect from a foam mattress.

The thing that I liked about it the most is its motion isolation – you won’t feel any motion transfer whatsoever.

Perfect for those who share a bed with a partner.

With a medium-firm feel that skews more towards the firm side of the spectrum, the SweetNight CoolNest is best for back and stomach sleepers.

Specs at a glance

SweetNight CoolNest Performance

The SweetNight CoolNest mattress sits on a 6.5 on the mattress firmness scale giving it a medium-firm feel.

While medium-firm mattresses are generally good for all sleeper types, I find the SweetNight CoolNest to be a little too firm which can cause issues for side sleepers over time.

We rate the SweetNight CoolNest a 6.5 out of 10 when it comes to comfort and pressure relief.

Although back and stomach sleepers will find it to be pressure-relieving, those who sleep on their sides will find the mattress to be eating into their main pressure points.

We rate the SweetNight CoolNest an 8 out of 10 when it comes to cooling.

Aside from the cooling gel-infused memory foam layer, the mattress doesn’t contain any other actively- cooling materials. Despite that, it does a great job at diffusing heat making it a good option for hot sleepers.

We rate the SweetNight CoolNest a 10 out of 10 when it comes to motion isolation.

It’s true – most, if not all, all-foam mattresses are very good when it comes to absorbing any cross mattress movement so it should come as no surprise that this mattress is the same. This is the perfect choice for those who share a bed.

We rate the SweetNight CoolNest a 6 out of 10 when it comes to edge support.

The mattress does not contain any reinforced edge coils and in turn the edge support of the mattress suffers. You will find yourself rolling off the edge of the bed.

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Alternate pick: SweetNight Prime

The more-expensive SweetNight Prime is another mattress worth taking a look at.

Featuring an all-foam construction similar to the CoolNest, the Prime offers four different firmness levels all within one mattress making it suitable for all sleeper types.

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#7. Glacier Apex Hybrid

Pros

• Offers deep compression and contouring
• Fiberglass-free
• Excellent motion isolation
• Great for side sleepers of any size

Cons

• Not suitable for heavier-set stomach sleepers
• Slight off-gassing

Why it’s one of the best

Contrary to what you may think, hybrid mattresses that offer great motion isolation are pretty rare but the Glacier Apex Hybrid offers just that.

Made up of multiple layers of memory foam including one that’s infused with graphite and another infused with copper, the Glacier Apex Hybrid has a medium-soft feel that is comfortable enough, especially for side sleepers.

Another thing I liked about it is its motion-isolating capabilities.

Because of its softer feel though, it’s not the greatest for heavyweight sleepers.

Specs at a glance

Glacier Apex Hybrid Performance

The Glacier Apex Hybrid sits on a 4.5 on the mattress firmness scale giving it a medium-soft feel.

This firmness level is best for side sleepers and combination sleepers.

I do not recommend this mattress for stomach sleepers though. It’s just too soft.

We rate the Glacier Apex Hybrid an 8.5 out of 10 when it comes to comfort and pressure relief.

The multiple memory foam layers provide more than enough pressure relief without making you feel as though you are being swallowed up by the bed.

We rate the Glacier Apex Hybrid a 7.5 out of 10 when it comes to cooling.

Despite its numerous layers of actively-cooling materials, it only feels cool during the first few hours of use then heats up throughout the night.

We rate the Glacier Apex Hybrid a 9 out of 10 when it comes to motion isolation.

The mattress does a great job at absorbing cross-mattress movement making it a good choice for couples.

We rate the Glacier Apex Hybrid a 7 out of 10 when it comes to edge support.

Although there’s a tiny bit of dipping if you sit on the edge of the mattress, you definitely won’t find yourself rolling off the edge.

Alternate pick: Glacier Original Hybrid

If you’re a back or stomach sleeper, check out the Glacier Original Hybrid.

Similar in construction to the Apex Hybrid with its multiple proprietary foam layers, the Original Hybrid has a medium-firm feel which provides extra support (great for back and stomach sleepers)

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#8. SweetZzz Honey Hybrid

Pros

• Fully organic
• Fiberglass-free
• Offers responsive
• Great for couples

Cons

• Not as compressing as memory foam
• Medium version may be too firm for petite side sleepers

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Why it’s one of the best

An organic latex hybrid mattress that’s easy on the budget? Sign us right up.

The Sweet Zzz Honey Hybrid – aside from having a pretty sweet name – is supportive, responsive and cooling as well as being fully organic and fiberglass-free, which, ‘catchphras-y’ as that may be, means that it is also a safer mattress option.

Pure latex is also naturally cooling which means this mattress is is good for those who tend to sleep hot.

Specs at a glance

SweetZzz Honey Hybrid Performance

You get to choose between three different firmness options: medium-soft, medium-firm and firm.

The medium-soft option is best for stomach sleepers while the medium-firm version is good for all sleeper types. The firm version is best for stomach and back sleepers.

We rate the SweetZzz Honey Hybrid mattress a 7.5 out of 10 when it comes to comfort and pressure relief.

It’s a latex mattress so you can’t expect the same deep compression that you’d get from memory foam but you will get decent pressure relief and support compared to other latex brands.

We rate the SweetZzz Honey Hybrid an 8.5 out of 10 when it comes to cooling.

Pure latex is naturally cooling and does not retain heat like memory foam. This mattress is a great choice for hot sleepers.

We rate the SweetZzz Honey Hybrid an 8.5 out of 10 when it comes to motion isolation.

For a latex hybrid mattress, it absorbs motion transfer very well. I did not feel any cross-mattress movement when I tried it out with a partner.

We rate the SweetZzz Honey Hybrid a 9.5 out of 10 when it comes to edge support.

It contains thick reinforced edge coils which gives the entire perimeter of the mattress extra edge support allowing to use more of the surface.

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#9. Birch Luxe Natural

Pros

• Naturally cooling and hypoallergenic
• Offers responsive support
• Made from natural latex
• Great for back and stomach sleepers

Cons

• May be too firm for some side sleepers
• Not suitable for heavier-set individuals

20% off coupon code: SLEEPLINE20

Why it’s one of the best

Here’s another latex hybrid option for you that’s a bit more luxe – to the point that it actually has ‘luxe’ in its name – the Birch Luxe Natural.

The Luxe Natural is an all-natural brand that is certified by environmental regulatory bodies around the world.

Made up of organic latex, organic wool and a plant-based fiber blend; it offers both comfort and support for all sleeper types.

Pure latex is naturally cooling and hypoallergenic, making the Birch Luxe Natural an excellent choice for those that tend to sleep hot as well as those that suffer from chronic allergies.

Specs at a glance

Birch Luxe Natural Performance

The Birch Luxe Natural sits on a 6.5 on the mattress firmness scale giving it a medium-firm feel.

Typically, medium-firm mattresses are good for all sleeper types but this one can be a bittoo firm for side sleepers.

We rate the Birch Luxe Natural an 8 out of 10 when it comes to comfort and pressure relief.

I found this mattress to offer great contouring (conforms to your body while you sleep) – just like memory foam but without the stuck-in-the-mud feel.

We rate the Birch Luxe Natural a 9 out of 10 when it comes to cooling.

Pure latex is naturally cooling and when paired with the organic wool batting makes for a mattress that allows you to sleep cool when it’s hot and sleep warm when it’s cold.

We rate the Birch Luxe Natural an 8 out of 10 when it comes to motion isolation.

The mattress performs well when it comes to absorbing any cross-mattress motion. I barely felt any movement when I tried the mattress out with a partner.

We rate the Birch Luxe Natural an 8.5 out of 10 when it comes to edge support.

The mattress features reinforced edge coils that help you to utilize more of the mattress surface.

20% off coupon code: SLEEPLINE20

Alternate pick: Birch Natural

If you want something similar but slightly less expensive, check out the base model Birch Natural.

Similar in construction and firmness level to the Luxe Natural, the standard-model Natural is also made up of latex foam layers.

I found that it does a great job at offering support and pressure relief – at a much lower price point (of course it can still be financed with Affirm just liked the souped-up Luxe version).

20% off coupon code: SLEEPLINE20

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#10. Puffy Royal

Pros

• Plush and luxurious
• Contouring and cushioning
• Pressure relieving
• Suitable for all sleeper types

Cons

• Expensive
• Edge support could be better

Why it’s one of the best

If you’re hankering for that classic, plush memory foam feel, you can’t do much better than the Puffy Royal mattress.

Made from different layers of proprietary memory foam, the Puffy Royal is one of the most cushioning and contouring mattresses that I have ever tried and I have tried a LOT.

The Puffy Royal may be cushioning but you won’t have that stuck-in-the-mud feel that makes it hard for you to switch sleeping positions (if you were so inclined). It’s pretty responsive.

Another thing that I liked about the mattress is that it absorbs any type of movement so you literally don’t feel anything even if you share a bed with a partner who’s a very restless sleeper.

Specs at a glance

Puffy Royal Performance

The Puffy Royal mattress sits squarely at a 5 on the mattress firmness scale giving it a true medium feel.

Mattresses with a medium firmness level are good for all sleeper types from side sleepers and combination sleepers to back and stomach sleepers.

We rate the Puffy Royal mattress a 9 out of 10 when it comes to comfort and pressure relief.

No surprises here – any memory foam mattress worth its salt would definitely be comfortable and pressure-relieving.

We rate the Puffy Royal mattress a 9 out of 10 when it comes to cooling.

The memory foam layers are infused with heat-diffusing and actively-cooling materials that help with heat retention. I think this mattress a great choice for hot sleepers.

We rate the Puffy Royal mattress a 9 out of 10 when it comes to motion isolation.

Even with a coil unit, the mattress absorbs movement just like a traditional all-foam mattress. I barely felt any motion transfer when I tried the mattress out with a partner.

We rate the Puffy Royal mattress a 6.5 out of 10 when it comes to edge support.

This is where this mattress disappoints – even with reinforced edges, it performs poorly when it comes to edge support. You WILL roll off the edge of the bed.

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How we chose these mattresses

A good mattress offers a balanced mix of comfort, support, and durability and we chose mattresses that excel in all three. 

To determine a mattress’s performance, we also considered factors such as firmness, pressure relief, responsiveness, temperature regulation, motion isolation, and edge support. 

We also made sure to contact every mattress brand on this list and confirm that their mattresses are eligible for Affirm financing.

Here’s a brief description of each factor we considered while making this list:

• Comfort – Comfort is pretty subjective. That’s why we look for mattresses that are comfortable for all body types and sleeping positions.
• Support – In terms of support, we look for mattresses that can hold at least 800 lbs. without sagging prematurely. Ample support is also essential for keeping a sleeper’s spine in proper alignment.
• Durability – A durable mattress is one that can provide a consistent level of comfort and support for a minimum of 10 years (industry standard). We tested the mattresses to make sure that they could support lightweight sleepers all the way to 500 lb. individuals without comprising their structural integrity. The type of mattress plays a major role in its durability.
• Firmness – Each person has unique firmness preferences depending on their body type, weight and preferred sleeping position. For that reason, we look for mattresses that are medium to medium-firm which is the firmness that fits the widest variety of sleepers. We also search for mattresses that come in multiple firmness levels to give consumers multiple options to choose from.
• Pressure relief – Pressure relief refers to the ability of a mattress to redistribute your body weight to prevent pressure from building up on one spot. To test for pressure relief, we check if a mattress can contour to our bodies and evenly distribute body weight.
• Responsiveness – This refers to how quickly a mattress snaps back to its original shape after pressure is released from it. We look for mattresses that allow for ease of movement and don’t give us a stuck-in-the-mud feeling.
• Temperature regulation – A mattress with good temperature regulation should not trap body heat. We look for mattresses with designs that promote air circulation and beds that contain cooling materials such as gel, copper or graphite infusions. Breathable covers are also a big plus in this area.
• Motion isolation – A mattress with good motion isolation is one that prevents motion on one side from transferring to the other side of the bed. This is especially important for those who sleep with fidgety partners.
• Edge support – This refers to how well the perimeter of a mattress can support weight. We test this by sleeping and sitting near the edge of the bed and measuring the degree of compression on the mattress.
• Certifications – We looked for mattresses that are backed by environmental certifications. Some of the certifications that we look out for are CertiPUR-US and Oeko-Tex Standard 100 for all-foam beds, and GOTS and GOLS for organic mattresses.
• Affirm Financing – We checked for Affirm financing in the checkout page of each mattress brand. We also contacted the brands to confirm that they’re planning to offer it for the long haul.

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Conclusion

Affirm financing allows you to purchase mattresses on an installment plan that suits your budget.

We meticulously picked out the mattresses on this list to suit a wide variety of lifestyles, budgets and preferences.

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Psst… the sleep review industry is full of liars, sharks, and thieves. It’s a modern-day version of getting ripped off at your local mattress store. So, why should you trust us?