How To Afford Your Your Dream Bed With Buy Now Pay Later Options

Find Your Perfect Mattress

Want A New Bed But Need To Pay For It Over Time?

BNPL For The Best Mattress

Sleep is an essential component of a healthy lifestyle, and having the right mattress plays a crucial role in ensuring restful and rejuvenating sleep. If you have been dreaming about owning a more comfortable mattress but your credit is less than perfect, there are many financing methods available. One of the most popular options is Buy Now Pay Later (BNPL). BNPL companies have revolutionized the way we shop, making it possible to purchase your dream mattress without breaking the bank. In this comprehensive guide, we will delve deep into the world of BNPL services, explore various types of mattresses, and discuss the best options for your needs.

What is a BNPL Service?

BNPL, or “Buy Now Pay Later,” has been gaining popularity in both the media and the financial industry. In its simplest form, consumers are provided greater convenience through the option to split large payments into smaller, more manageable installments. These services enable users to make purchases and pay them off over time. In some cases these services do not charge consumers interest as long as payments are made on time. With the help of BNPL services, buyers can enjoy their favorite brands without significantly impacting their finances. This flexibility makes it possible to purchase the mattress they need with ease and then pay for it over time with manageable, scheduled payments.

Even The Most Comfortable Bed Can Be Yours

As a good night’s sleep is critical for your physical and mental well-being, we know that not everyone has the same needs. The key to a restful sleep lies in finding a mattress that provides gentle support to your body and maintains your spine’s neutral alignment. Before you decide, consider such factors as the mattress’s height, firmness, and warranty, as this is an investment that will impact your life for many years. Twin, queen, king, cooling, foam, firm or plush, let’s explore the different types of mattresses and their benefits to help you make an informed choice.

The Benefits of a Firm Bed

If you require proper body alignment and reduced pressure on your circulatory system, a hard mattress may be the perfect choice for you. Some people simply prefer a firm mattress as they find it more comfortable. Whether personal preference or helping your body, a firm bed may be optimal for many. In addition, these mattresses are durable and long-lasting, as their firmness prevents excessive sinking and provides consistent support for your body. However, for some, there are other options.

How A Soft Mattress May Help You

Conversely, if you’re a light sleeper looking for a mattress to relieve joint pain, or enjoy the feeling of sinking into a cloud, a soft mattress may be your ideal solution. These mattresses offer gentle support for your muscles, resulting in an improved quality of sleep for many. Some people prefer to sink into a nice, soft bed and relax, knowing they will feel well-rested and pain-free in the morning. And the comfort of sleeping on a soft, gentle surface can make your bedroom feel like a palace.

Regardless of your mattress preference, you can choose from numerous brands and purchase your ideal mattress affordably with a BNPL installment plan. Companies such as Reflections, Ever Cool, Ice, Cool Touch, and others prioritize your comfort and offer numerous mattress options and aren’t out of reach.

Determining the Most Sensible Service for Your Purchase

Are you eager to purchase a mattress but need to be careful with your finances? Don’t fret, we’re here to review several options that will enable you to afford this luxury and remain within your budget. BNPL services make financial sense and are utilized by millions of savvy consumers worldwide. These services offer unparalleled financial freedom, allowing people to pay off their purchase in easy installments without incurring interest in some cases or hidden fees. Utilizing a reputable BNPL service, someone can buy a high-quality mattress and enjoy a good night’s sleep without financial stress.

Where To Find These Services

When it comes to choosing a buy now pay later service for your mattress purchase, it’s important to select a service with a proven track record of reliability and quality. This is why LutherSales stands out as an excellent choice. Established in 1967, LutherSales has been providing customers with flexible payment options for over five decades. With a wide range of mattress companies available and over 204 different types of mattresses and related products to choose from, LutherSales, is well-positioned to meet the diverse needs of its customers.

You can find mattresses with the latest cooling technology or HD responsive support, ensuring that there’s an option for every type of sleeper. Or choose something simpler if that’s your preference. What’s more, LutherSales offers competitive credit plans that make any mattress affordable for everyone.

LutherSales has built a reputation for providing high-quality products and excellent customer service, making it the wise choice for someone looking to buy now and pay later for a comfortable mattress. So why settle for less when you can choose LutherSales and enjoy the best that BNPL has to offer?


Offers flexible credit plans with pay off time up to 36 months and high credit limits
Does not consider your credit history
Allows faster 3-min application process
Provides in-house customer service
Houses big brands and quality products


Requires proof of employment of at least a year


Afterpay stands out as a decent option, with a range of benefits that make it a sensible choice for someone looking to buy now and pay later. With Afterpay you can choose from a wide range of mattresses from top brands, with many options including the latest cooling technology or responsive support. This means that you can find the perfect mattress to suit your needs and get the best possible sleep, without breaking the bank.

Afterpay also offers flexible payment plans that allow you to pay for your mattress in manageable installments over time, so you can enjoy your purchase without hurting your wallet. Plus, with no interest charges or fees (unless you miss a payment), you can be confident that you’re getting a fair deal. Afterpay is a reliable option that has been helping customers get the products they need for years. If you’re looking to buy now and pay later for a comfortable mattress, Afterpay is another option you may consider.


Does not charge interest
Does not check credit history report
Instant approval


As high as 25% is charged in case of late payment
Does not allow picking repayment days
Many major stores are not a part of Afterpay

MDG Finance

As a popular name in the industry, MDG Finance is also working to provide suitable credit options to smart consumers. With MDG, consumers can get a spending limit of up to $3,000, purchase products from their preferred brands, and pay later via a convenient deferred payment plan. However, their high interest rates can be somewhat concerning for people looking for a quality service without the additional fees.


Flexible repayment plan
Get credit limit up to $3,000
Low installments to fit your budget


Often reports delayed product deliveries
Some high product interest rates


Flexshopper is a lease-to-own option. It allows customers to rent-to-own a specific product with payment plans that expand over a period of 12 months or less. It offers a large selection of products, from furniture and home appliances to mattresses and gym equipment. Application is quick and easy; however they typically offer lower credit limits, and the requirement for weekly payments in order to not incur additional fees may be concerning for some.


Affordable weekly payments, as low as $4
Credit spending limit of up to $2,500


Exclusive use limited to FlexShopper website
The longer you draw out your payments, the more you end up paying

Our Conclusion

If you don’t really need to have cash in hand to purchase your favorite brand of mattress today, don’t worry! Sign up for a buy now pay later program to get quick credit and pay off in easy installments. Luther Sales, Afterpay, MDG, and FlexShopper are just some of the many BNPL options available in the consumer financial market. Smart consumers aim to spend mindfully and not put too much burden on themselves. If you are looking for a service to help you finance a purchase, our top choice is Luther Sales because unlike other players, their payoff plan can extend up to 3 years with no hidden fees. Shop around for the best offer, of course, and browse through a range of products and enjoy a world of luxury at affordable deferred payment plans that suit your financial standing.

BNPL Central is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and are not influenced by any compensation offered or taken. Read our full disclosure here.