Financing

Affirm has a soft credit check so your credit won’t be affected. Late or missed payments can affect your credit.

Of course! Whether you choose to finance or not, you can still rest easy knowing you have a 100-night trial. If you do choose to return, you’ll be refunded for the payments you’ve made, minus any interest that has accrued.

We recommend sleeping on your mattress for at least 21 nights, as it takes some time to adjust. If you’re still unsatisfied, call 888-848-2305 to speak with one of our specialists and initiate the return process.

Affirm will do a soft credit check to see what financing options you’re eligible for.
A down payment may be required. Subject to eligibility check and approval. Payment options depend on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Actual terms may vary. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Visit affirm.com/help for more info.

Yes! There’s no penalty for paying early.

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Yes—you can return an item you bought with Affirm by initiating the return process.

No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm's Help Center.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

You can visit their website at affirm.com.

Acima is an alternative way to shop for the name-brand items you want without paying cash or relying on credit.

Begin by completing an easy application process. If approved, begin a lease agreement that will allow you to get your merchandise right away for a low initial payment, then make rental payments until you obtain ownership.

If you prefer predictable payments and the flexibility of the lease, you can own it after making all lease renewal payments. If you're ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease. If you wish to stop making renewal payments before obtaining ownership, you can return your merchandise to Acima at any time.

While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information, banking account numbers, and meet some basic income requirements.

Be 18 years old or older
Have an active checking account with at least $750 of income per month
Have at least three months of income history with your current source of income
Have a government-issued photo ID, and a social security number or Individual Taxpayer Identification Number (ITIN)

If you’ve got all those things, great! Fill out the application and we’ll let you know within seconds if you’re approved!

As low as 0% APR

Get your dream sleep without using credit.

Frequently Asked Questions

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