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Are you looking to buy a new mattress but you don’t have enough cash to pay for it up front? Don’t worry, we’re here to help you. Our team of sleep experts have spent dozens of hours researching all the top brands and making a list of the top five buy now pay later mattress brands. Our Editor’s Choice is the Saatva Loom and Leaf.
Recommended Buy Now Pay Later Mattress Brands
- Saatva Loom and Leaf – editor’s choice
- Bear Elite Hybrid – best for back pain
- Nolah Original – best value for the money
- Sweet Night Twilight – best cheap mattress
- Amerisleep AS3 – best for all sleeper types
#1. Saatva Loom and Leaf
Check Current Price | Editor’s Choice | Review
Pros
- Two firmness levels
- Offers zoned support
- Suitable for all sleeper types
- Excellent motion isolation
- Good edge support
Cons
- Slight off-gassing
- High price point
- Not for individuals over 300 lbs
Made by Saatva, the Loom and Leaf is a premium memory foam mattress and it’s our overall best pick for buy now pay later mattresses. This mattress has an all-foam construction which gives you a luxurious and contouring memory foam feel. It comes in two firmness levels which makes it a versatile bed that’s suitable for all sleeper types.
If you’re looking for an all-foam mattress that’s suitable for couples and individuals alike, check out the Saatva Loom and Leaf.
Who should buy the Saatva Loom and Leaf Mattress?
- Couples
- All sleeper types
- Back pain sufferers
- Those who prefer a slow-moving memory foam feel
- Those who want a mattress with financing options
Firmness
The Loom and Leaf comes in two firmness options: Relaxed Firm, and Firm. During our testing, we gave the Relaxed Firm version a 6.5 and the Firm version a 7.5 out of 10 on the mattress firmness scale. The mattress has a classic memory foam feel that contours to your body and evenly distributes your body weight.
Choose the Relaxed Firm version if you’re a side sleeper. It’s softer and it offers the most pressure relief for your shoulders and hips. Even heavier side sleepers will feel comfortable and well-supported on this version.
If you’re a back sleeper, we also recommend the Relaxed Firm version. It offers contouring for your lower back and it promotes neutral spinal alignment. If you weigh over 250 lbs., the Firm version might be better at providing durable support for you.
Although some light-to-average weight stomach sleepers will feel supported on the Relaxed Firm version, heavier individuals should opt for the Firm version of the mattress. The Firm version will do a better job of keeping your hips aligned with your spine while stomach sleeping.
If you’re looking for a mattress for couples, there are two main factors to consider. These are motion isolation, and edge support.
The Saatva Loom and Leaf excels in motion isolation and it has good edge support. This makes it a good fit for couples who prefer a memory foam mattress.
Construction
The Saatva Loom and Leaf is 12 inches tall and is made in the USA. It’s an all-foam mattress that contains five total layers of supportive and pressure-relieving foam. All the foam used in this mattress is CertiPUR-US certified low in VOCs and free from heavy metals.
The mattress is encased in an organic cotton cover that’s been treated with Saatva’s Guardin™ botanical antimicrobial treatment. The cover is also quilted with comfort foam to provide initial pressure relief when you lay down on the mattress.
Below the cover, there’s a proprietary layer that Saatva calls gel-infused memory foam lumbar crown. This section provides extra lower back support and durability in the middle of the mattress.
Next, is the main comfort layer which is made of perforated gel memory foam. This foam conforms to your body’s shape and alleviates tension from sensitive joints. It’s also more breathable than traditional memory foam.
After that there’s another layer of denser memory foam which offers deeper body-contouring as well as additional support.
Beneath that is a transitional foam layer that acts as a buffer between your body and the firm support layer below. This transition layer determines the firmness level of the mattress since it comes in two different levels.
Lastly, the mattress has a base layer that’s made of high-density foam. This section provides durable support and stability for the layers above it.
Sizes
The Saatva Loom and Leaf comes in 8 total sizes. It’s compatible with most foundations and bed frames, including adjustable bases.
- Twin
- Twin XL
- Full
- Queen
- King
- Split King
- California King
- Split California King
Financing options
You can finance the Saatva Loom and Leaf with Affirm. The full price of the mattress will be split and you can pay monthly for 6, 12, or 24 months depending on your preference. A down payment may be required; and you will also undergo an eligibility check before getting approval.
Warranty
The Saatva Loom and Leaf comes with a 365-night sleep trial and is backed by a whopping lifetime warranty. Saatva offers free shipping and white glove delivery for orders within the contiguous US.
Buy: Saatva Loom and Leaf
#2. Bear Elite Hybrid
Check Current Price | Best for Back Pain | 25% Off Coupon: SLEEPLINE25 | Review
Pros
- Three firmness options
- Suitable for all sleeper types
- Zoned support
- Cooling
- Low motion transfer
- Great edge support
Cons
- Slight off-gassing
- Above average price point
Save 25% with coupon code “SLEEPLINE25”
The Bear Elite Hybrid is Bear’s newest mattress and it’s one of the best mattresses for back pain on the market. Featuring a supportive hybrid design, this high-quality mattress is built to provide long-lasting comfort and support. Moreover, it’s available in three different firmness levels which makes it a suitable option for all sleeper types.
Although its price range is higher than average, the Bear Elite Hybrid can also be bought through financing. If you’re looking for a premium hybrid mattress that offers support and back pain relief, this might be the right bed for you.
Save 25% with coupon code SLEEPLINE25
Who should buy the Bear Elite Hybrid?
- Back pain sufferers
- Couples
- Athletes
- All sleeper types
- Hot sleepers
- Those who prefer a high-profile mattress
Firmness
The Bear Elite Hybrid is available in three different firmness levels. These options range from Medium-Soft (5) all the way to Firm (8) on the mattress firmness scale. You’ll be able to find a good fit regardless of your body type and sleeping position.
We recommend the Luxury Firm version for average-weight individuals. This is the product’s medium-firm model and it’s the most popular one because it accommodates all types of sleepers.
If you’re a strict side sleeper, choose the Luxury Plush version. This model offers the most cushioning and pressure relief for your shoulders and hips.
We recommend the Firm version for heavier back and stomach sleepers. This version provides support and body-contouring for back sleepers; and it keeps stomach sleepers’ hips and spine in alignment.
Since it’s a hybrid mattress, the Bear Elite Hybrid does not have high motion transfer. This is likely due to the mix of memory foam and individually wrapped coils which does a great job of deadening motion. This makes it a good option if you sleep with a partner and you don’t want to be disturbed by their movements.
The mattress also has great edge support. This means you can sit or lie down near the edge of the bed while still feeling quite secure.
Construction
The Bear Elite Hybrid mattress is 14 inches tall and is made in the USA. It’s comprised of four layers including memory foam, polyfoam, and individually encased coils. This mattress is also certified by both GreenGuard Gold and CertiPUR-US for low VOC emissions and zero heavy metals.
The mattress is encased in a hand-quilted cover that combines Phase Change material fabric with Celliant fiber for temperature regulation and muscle recovery. This makes the mattress a great choice for athletes and active individuals.
Directly beneath the cover is a layer of copper-infused memory foam. This layer conforms to your body and relieves pressure points. Additionally, the copper infusion makes it antimicrobial and it combats the heat-trapping tendencies of traditional memory foam mattresses.
Next up, is a layer of zoned comfort foam that provides target pressure relief for different areas of your body. This section also helps relieve back pain by evenly distributing body weight and alleviating tension for the lower back.
Below this is the bed’s support core which is made up of individually wrapped coils. These coils add support and responsiveness to the mattress. Moreover, the mattress has edge-to-edge coils around the perimeter of the mattress.
The coil system and all the layers above it sit on a high-density foam base. This layer provides extra durability and it’s a stable foundation for the supportive coils to bounce off of.
Sizes
The Bear Elite Hybrid comes in 7 sizes. It’s compatible with most foundations and bed frames, including adjustable bases.
- Twin
- Twin XL
- Full
- Queen
- King
- California King
- Split King
Financing options
The Bear Elite Hybrid is available through Affirm financing. You can choose to split the purchase price into 12, 18, or 36 monthly payments. A down payment may be required; and you will have to undergo an eligibility check before getting approval.
Warranty
The Bear Elite Hybrid comes with a 120-night sleep trial and is backed by a lifetime warranty. Bear offers shipping for all their mattresses for orders within the contiguous US.
Buy: Bear Elite Hybrid
#3. Nolah Original
Check Current Price | Best Value for the Money | Review
Pros
- Great for back sleepers
- Suitable for side sleepers
- Affordable
- Cooling
- Great motion isolation
Cons
- Below average edge support
- Not for heavyweight individuals
- Not for heavier stomach sleepers
The next buy now pay later mattress on our list is Nolah’s flagship mattress: the Nolah Original. It’s an all-foam bed that features proprietary materials which give the mattress a soft yet responsive feel. The Nolah Original is a medium-firm mattress that’s suitable for most individuals, although it works best for side, back and combination sleepers.
If you’re looking for an affordable all-foam mattress that’s made with high-end materials, check out the Nolah Original.
Who should buy the Nolah Original?
- Couples
- Side sleepers
- Back sleepers
- Hot sleepers
- Budget shoppers
Firmness
After testing it out, we rated the Nolah Original 6.5 out of 10 on the mattress firmness scale. It’s a true medium-firm mattress that should suit most individuals and sleeping positions. The mattress has a balanced foam feel that’s soft on the top but still quite responsive and easy to move around on.
We think it’s a great mattress for side sleepers who weigh less than 230 lbs. It conforms to your body’s curves and relieves pressure from your shoulders and hips. However, we would not recommend this mattress to heavier side sleepers as it might be too thin for comfort.
A better alternative for heavyweight side sleepers is the Nolah Evolution 15 mattress.
This mattress works best for average-weight back sleepers. It offers some nice contouring for your lower back and it’s supportive enough to keep your spine in a neutral alignment. Again, those who are heavier than 230 lbs. should opt for a more supportive model like the Purple Mattress.
For stomach sleepers, we think this mattress will only provide enough support if you weigh 130 lbs or less. If you’re on the heavier side, then you should opt for mattress that has supportive coils.
With regards to motion isolation, the Nolah Original does a pretty good job of absorbing movement. We think it’s a great option for couples because of this.
However, it does not have the best edge support which is common for an all-foam bed. Its layers might compress deeply if you sit or lie down near its edges.
Construction
The Nolah Original mattress is 10 inches tall and is made in the USA. It has a standard all-foam construction with three total layers of CertiPUR-US certified foams. The mattress is encased in a Tencel cover which is an eco-friendly material that’s super breathable and moisture-wicking at the same time.
Directly beneath the cover is the bed’s main comfort layer which is made of proprietary AirFoam™. It offers some nice contouring and pressure relief and it does not trap heat like traditional memory foam.
Next up, is a transition layer that’s made of Nolah’s high resilience foam. This section is a bit firmer and it keeps you from sinking to the firm base layer below it.
Finally, the mattress has a thick base layer that’s made of high-density foam. This layers gives the mattress durable support as well as overall shape and structure.
Sizes
The Nolah Original comes in 7 sizes. It’s compatible with most foundations and bed frames, including adjustable bed bases.
- Twin
- Twin XL
- Full
- Queen
- King
- California King
- Split King
Financing options
Nolah offers mattress financing through Affirm. You can split the full price of a mattress into 3, 6, or 12 monthly payments. Of course, your purchase will be subject to credit check and approval and a down payment may be required as well.
Warranty
The Nolah Original comes with a 120-night sleep trial and is backed by a lifetime warranty. Nolah also offers free shipping and returns for orders within the contiguous US.
Buy: Nolah Original
#4. Sweet Night Twilight
Check Current Price | Best Cheap Hybrid Mattress | Review
Pros
- Low price point
- Two height options
- Suitable for all sleeper types
- Zoned support
- Cooling
- Good motion isolation
- Decent edge support
Cons
- Only comes in three sizes
- Cover is non-removable
- Not for individuals over 300 lbs
The Sweet Night Twilight is one of the most affordable hybrid mattresses on the market. It’s available in two height options and it’s suitable for most individuals regardless of body type and sleeping position. The mattress also offers zoned support which means it can be a good choice for people with back pain.
If you’re on the market for a high-quality hybrid mattress that’s budget-friendly, check out the Sweet Night Twilight.
Who should buy the Sweet Night Twilight?
- Couples
- All sleepers
- Hot sleepers
- People with back pain
- Those looking for a cheaper hybrid mattress
Firmness
Our team gave the Sweet Night Twilight a 5-6 out of 10 on the mattress firmness scale. It comes in two different heights but both models are close to medium-firm with the 12-inch model being slightly softer than the 10-inch version.
We recommend the 12-inch version of the mattress for strict side sleepers. It has thicker comfort layers which provide additional cushioning and pressure relief for your joints.
Back and stomach sleepers should opt for the 10-inch version. It provides adequate hip and spinal support and it allows for some nice contouring around your lower back.
Although hybrid mattresses tend to be quite bouncy, the Twilight mattress has pretty low motion transfer. If you sleep with a partner, you won’t feel disturbed by small movements such as tossing and turning on the mattress.
The mattress also has great edge support. You can utilize its entire surface and sleep all the way to the end of the bed if you like.
Construction
The Sweet Night Twilight mattress is available in 10 and 12-inch profiles. It’s comprised of four total layers which include both foam and supportive coils. All the foam used in its construction is CertiPUR-US certified free of toxic chemicals and heavy metals.
The mattress is encased in a soft fabric cover that’s breathable and cool to the touch. The bed’s surface is quilted with pillow top comfort foam to provide some initial cushioning for your body.
Beneath that is a comfort layer that’s made of gel memory foam. This layer cradles your body and offers deeper pressure relief. The gel infusion also helps absorb body heat so you can sleep cool all night.
Next up, is a transition layer that’s made of proprietary Airflow high-density foam. This section is a bit firmer and it’s perforated for extra airflow within the mattress.
Lastly, the mattress has a supportive coil system that contains pocketed steel coils. This is the bed’s main support layer and it adds durability and bounce to the mattress.
Sizes
The Sweet Night Twilight only comes in 3 sizes. It’s compatible with most foundations and bed frames.
- Full
- Queen
- King
Financing options
Sweet Night offers mattress financing through Affirm and Afterpay.
Warranty
The Sweet Night Twilight comes with a 100-night free trial and is backed by a 10- year warranty. Free shipping and returns are available in the contiguous US.
Buy: Sweet Night Twilight
#5. Amerisleep AS3
Check Current Price | Best for All Sleeper Types | 30% Off Coupon: SLEEPLINE | Review
Pros
- Available in both all-foam and hybrid versions
- Suitable for all sleeper types
- Excellent motion isolation
- Responsive
- Hypoallergenic
Cons
- Below average edge support
- Not for individuals over 250 lbs
- Not for stomach sleepers over 130 lbs
Save 30% on your buy now pay later order with coupon code “SLEEPLINE”
Last but not least is the popular and versatile Amerisleep AS3 mattress. It’s the company’s mid-range option and it’s suitable for all sleeper types. The mattress features a proprietary memory foam blend that’s responsive and open-celled for extra airflow.
If you’re looking for a high-quality mattress that comes in both all-foam and hybrid versions, check out the Amerisleep AS3.
Who should buy the Amerisleep AS3?
- Couples
- All sleeper types
- Hot sleepers
- Those who prefer a more responsive memory foam feel
Firmness
We gave the Amerisleep AS3 a 6 out of 10 on the mattress firmness scale. It’s a little bit softer than medium-firm and it can accommodate a wide array of sleepers. The mattress has a pressure-relieving top layer that’s also responsive enough so you can easily move around and switch positions.
We recommend the AS3 for all sleeper types: back, side, stomach, and combination. In addition, the proprietary comfort layer in the mattress has an open-cell structure for extra airflow. This makes it a suitable option for hot sleepers.
That being said, the all-foam AS3 is not supportive enough for individuals over 250 lbs. Heavier individuals should opt for the AS3 Hybrid instead for durable support.
Since it has a memory foam top layer, the AS3 is great at isolating motion on one side of the mattress. This means it’s a good option if you sleep with a partner that tosses and turns throughout the night.
The AS3 does not have very great edge support. If you like sleeping near the edge of the bed, you might want to look at something like the Layla Hybrid.
Construction
The Amerisleep AS3 is 12 inches tall and is made in the USA. It’s available in both all-foam and hybrid versions to suit individuals of all body types and weights. All the foam used in this mattress is CertiPUR-US certified low in VOCs and zero heavy metals.
The mattress is encased in a breathable Celliant cover which has been shown to aid in pain relief and recovery.
Directly beneath the cover is a proprietary comfort layer called Bio-Pur® foam. This memory foam is more responsive and it also has better ventilation due to its open-cell structure.
Below that is a HIVE® transition layer that acts as a buffer between your body and the firm support layer below it. This section is convoluted like a beehive for even more airflow.
Lastly, the bed’s base layer is made of high-density polyfoam for durable support. It also gives shape and structure to the mattress.
Sizes
The Amerisleep AS3 comes in 7 sizes. The mattress is compatible with platform beds and most other foundations and bed frames.
- Twin
- Twin XL
- Full
- Queen
- King
- California King
- Split King
Financing options
Amerisleep offers financing for all their mattresses through Klarna.
Warranty
The Amerisleep AS3 comes with a 100-night sleep trial as well as a 20-year warranty. Free shipping and returns are available in the contiguous US.
Buy: Amerisleep AS3
Quick view and comparison
| Brand | Saatva Loom & Leaf | Bear Elite Hybrid | Nolah Original | Sweet Night Twilight | Amerisleep AS3 |
|---|---|---|---|---|---|
| Sizes | 8 | 7 | 7 | 3 | 7 |
| Thickness (inches) | 12 | 14 | 10 | 10/12 | 12 |
| Feel | Relaxed Firm/Firm | Luxury Plush/Luxury Firm/Firm | Medium Firm | Medium | Medium |
| Motion Transfer | Minimal to none | Minimal | Minimal to none | Minimal | Minimal to none |
| Hybrid | No | Yes | No | Yes | Yes |
| Adjustable | Yes | Yes | Yes | Yes | Yes |
| Edge Support | Excellent | Very good | Very good | Good | Fair |
| Sleeping Position | Back, side and combination sleepers | All sleeper types | All sleeper types | All sleeper types | All sleeper types |
| Trial (nights) | 365 | 120 | 120 | 100 | 100 |
| Warranty (years) | Lifetime | Lifetime | Lifetime | 10 | 20 |
| Link to buy | Buy Saatva Loom & Leaf | Buy Bear Elite Hybrid | Buy Nolah Mattress | Buy Sweet Night Twilight | Buy Amerisleep AS3 |
How mattress payment plans work
Payment plans are offered by mattress companies online or in a brick-and-mortar mattress store. Payment plans allow customers to spread out the cost of a mattress in multiple payments over several months. This buy now pay later process is usually done through financing companies that have partnered with certain mattress brands.
Credit check
The first step is usually a credit check which is often completed in real-time. Here you’ll find out if you’re eligible for financing or not. Your credit score will depend on your credit history; and the better your score, the lower your interest rate can be.
Monthly payments
Usually, you’ll have different payment plans to choose from. There are shorter plans and there are longer plans that exceed a year. Once you select the plan that suits your budget, you’ll be asked to provide a down payment before you can get your mattress.
Interest
If you’re credit score is outstanding, your interest rate could be as low as 0%. This means you’ll only have to pay back the retail of the mattress. However, if you have lower credit or no credit, you could be looking at interest rates as high as 10 or 20%.
Late fees
If you fail to make your monthly payments on time, you will be charged an additional fee. This can make your purchase much more expensive. Some mattress financing companies also charge hidden fees so be wary of that as well.
Is financing a mattress worth it?
If you want to get a new mattress but you’re unable to pay the full amount up front, then financing a mattress can be beneficial. But before you go ahead and finance a mattress, make sure that it fits your budget and you have a stable flow of income. Lastly, always read the fine print of any lending partner before committing to a purchase to avoid any additional hidden fees.
FAQs
Yes, DreamCloud offers mattress financing through Affirm.
Some financing companies don’t require a minimum credit score, while other lenders need at least a 630 credit score.
Yes, Casper offers mattress financing through Affirm.
Yes, financing a mattress can build your credit score as long as you make on-time payments.
Yes, Helix offers mattress payment plans through Affirm.
Conclusion
It’s not a problem if you can’t afford to pay for a new mattress up front. Many mattress companies offer financing options when you purchase their mattresses. The five mattresses that we chose are our top buy now pay later mattress choices in the online mattress space.
No matter what your body type or sleeping position is, you can find a good fit for your needs in this list.
Next step: Try out the Saatva Loom and Leaf. It’s by far the best mattress you can get with buy now, pay later financing. We like it because it’s comfortable, durable, and offers great edge support.
How we rate mattresses
We rate mattresses using the following criteria:
- Comfort
- Structural integrity and durability
- Firmness and support
Learn more about our mattress rating process and methodology here.
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