Seat-N-Sleep Offers Great Financing Options!




I have poor credit. Can I still qualify for your program?

Yes. Crest Financial is a No Credit Check financing program.

What is the highest approval amount you offer?

Crest Financial offers the highest approval amounts in the industry - $5,000!

How long is the lease agreement for?

We offer 12-month lease agreements, 90 day buyout options, and a significant discount if you pay off early.

Is there any interest?

There is no interest rate. The merchandise is leased until it is paid off. Lease payments will be provided before signing.

What if I am not instantly approved?

70% of applicants are instantly approved. Approval rate increases to 90% after receiving requested documents such as a most recent paystub, copy of government ID with signature, most recent 30 day bank transactions, and voided check.

How do I make payments?

Our customer service representatives will work with you on an individual basis to set up payments that are easy and convenient for you, based on your pay schedule.

Do you take retirement, social security, VA, or long term disability?

Yes. You must provide a benefit letter to verify monthly income.

What if I’m self-employed?

To get approved, you will need to submit your most recent 90 days of  bank transactions.

You'll enjoy the following benefits:

  • No Interest if paid in full within 12 months*
  • EVERYDAY- no minimum purchase required*
  • Hassle free
  • Convenient monthly payment
  • Easy to apply

Visit our showroom to apply today!

*Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 12 months or if you make a late payment.  Minimum Monthly Payments Required.  Account fees apply.

*If promo and debt cancellation are not paid in full within 12 Months, interest at APR 29.99% will be assessed from purchase date.  If account goes 60 days past due, promo may be terminated early and accrued interest will be billed.  As of the time period Purchase, APR 29.99%; Penalty APR 29.99%. Minimum Interest $2.   Subject to credit approval by Synchrony Financial.  Clearance purchases excluded from all finance offers except; Financing for 6 Months.  Offer does not apply to previous purchases. Cannot be combined with any other finance or discount offer other than the current sale pricing and finance offer.

You'll enjoy the following benefits:

  • No credit check
  • 90 days same as cash
  • Hassle free
  • Online application
  • Convenient monthly payments


Once approved for financing through Progressive Finance, there is a $40 processing fee due for each purchase.

Pre-Qualify/Approval Process

To pre-qualify for the No Credit Check program follow the checklist below.

Income Requirements

  • Must be employed at the same company for 6 months or more OR
  • Have Social Security/Disability income for yourself only
  • Minimum monthly gross income is $1000

Checking Account Requirements

  • Open and active for 3 months
  • No NSF's or overdraft/overdraft protection transactions in the prior 30 days
  • Minimum deposits totaling $500 or more per month

You may be asked to submit some the following for verification:

  • Pay stub and W-2 or year-end pay stub, OR
  • Social Security or disability letter, OR
  • 1099 or business license
  • Most recent 30-day bank statement
  • Voided check or completed bank verification form
  • Photo ID