Seat n Sleep Offers Great Purchasing Options!

Want to Buy Now, & Pay Later?

We offer flexible financing And No Credit-Choices!

Seat n Sleep is committed to offering you the best selection and pricing possible.  We believe in transparency to you the customer of both the products we sell and the payment options we offer.  Home furnishings and mattresses are large purchases, and we are proud to be a value-centric brand that makes high-quality choices accessible to every budget.

The purchasing options that are presented below are intended to reflect our ability to offer you the opportunity to purchase with either financing or leasing.  Seat n Sleep has always prided itself on offering everyone a "Cash" price for the product we sell in our store to all customers regardless of their preferred purchase option.  We do not "build" long term financing costs into our product pricing and merchandising.  We have negotiated with our partners below to give you affordable payment options without the high cost of "0% equal payment" programs.  This keeps our ability to pass along real value to you whether you finance, lease or pay with cash.  

We invite you to see if you prequalify for any of our programs below, after you have reviewed the options and terms.  You can get a decision in seconds with no impact to your credit score.  The Synchrony HOME™ section below is a credit card and if you prequalify you can apply immediately.  Progressive Leasing is a lease-to-own option.  Please feel free to call and/or visit our store for additional information, we would be happy to answer any questions you may have about any of our payment options. 

All purchases must be made in-store only. 

We accept all major credit cards (Visa, Mastercard, Discover, AMEX), Mobile/Contactless Tap To Pay and Cash. 

Please have a valid ID ready for all transactions requiring us to check it.


Financing Options*

Enjoy No-Down Payment with your Synchrony HOME™ Credit Card and You Choose from Either Offer below Everyday, Every Purchase & No Minimum Purchase Required:

A Whole Year to Pay with

No Interest if paid in full within 12 months§ 

On purchases made with your Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 Months. Minimum monthly payments required

-Or-

$0 Down, and Low Monthly Payments with

9.99% APR with 48 fixed monthly payments†

On purchases made with your Synchrony HOME™ Credit Card.



Click Here for Complete Terms and Conditions.  Both offers above subject to credit approval.


Apply now with Synchrony

Leasing Options:


LEASE TO OWN

Progressive is a Lease to Own Program

  • No credit needed
  • 90 day purchase option
  • Convenient monthly payments

Progressive Leasing presence

The advertised service is lease-to-own or a rental- or lease purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer's cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

No Credit Needed

Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

90-Day Purchase Option.

Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer's cash price(except 3-month option in CA). To purchase early call 877-898-1970.


*Synchrony HOME™ Credit Card  is issued by Synchrony Bank, our primary financing option. Secondary financing is provided by Fortiva Retail Credit.

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