Financing & No Credit Needed Options

No matter your budget or financial standing, we have a plan that fits you as perfectly as your mattress.

SNAP Financing


  • Am I 18 years old or older?
  • Do I have an active checking account?
  • Do I bring home at least $1,000 per month?
    If you answered YES to each of these, you’re ready to apply!

  • Get up to $3,000

    Snap doesn't offer traditional loans. Instead, we offer a consumer lease that allows you to finance your purchase over 12 months of convenient payments. We also offer a 100-Day payment option, the best terms around.

    Square Installments

    Take it home today, in three easy steps:

    1. Apply in store or at home.
    For purchases of $250–$10,000, answer a few short questions to see if you’re eligible.

    2. Choose the right plan for you.
    See all of the costs up front, with total clarity. Then pick the plan that fits your budget.

    3. Make it yours.
    If you’re approved, you’ll instantly get a digital card to pay for your purchase. It’s that easy.

    Pay it off with monthly payments that fit your budget in 3/6/12 months. Or 90 Days same as cash.

    *All loans through the Square Installments program are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC, located in Salt Lake City, UT. Merchant is an independent third party from Celtic Bank, Square, Inc., and Square Capital, LLC. APR is fixed and ranges from 0-30%. Actual terms will be based on creditworthiness and other factors. For example, a 12 month $2,100.00 loan with 15.00% APR would have 11 monthly payments of $190.00 and 1 payment of $184.07. Loans are subject to credit approval. Visit here for eligibility and program information.


    90 Day Layaway


  • 20% of total purchase down
  • At least 1 payment a month
  • Take longer if needed, just ask!
    * All lay aways are non-refundable. Credit applied may be used towards any in-stock purchase