Financing
Good credit? Bad Credit? No Credit? Anybody age 18+ can apply!
Synchrony HOME™
Special Financing Offers
Special 0% interest financing available from 6 – 72 months*
Financing options available every day, with convenient monthly payments*
A dedicated revolving credit line to use again and again for your bedding needs*
What is the Clearance Mattress Center Synchrony HOME™ credit card?
We offer customers a credit card through Synchrony Bank with a revolving credit limit to use again and again everywhere the Synchrony HOME™ Credit Card is accepted, including our location.*
*Subject to credit approval.
0% interest for 6 months:
No interest if paid in full within 6 months*. $200 minimum purchase.
0% interest for 12 months:
No interest if paid in full within 12 months*. $200 minimum purchase. Cannot be combined with other discounts or promotions.
0% interest for 18 months:
No interest if paid in full within 18 months*. $1000 minimum purchase. Cannot be combined with other discounts or promotions.
0% interest for 24 months:
No interest if paid in full within 24 months*. $1500 minimum purchase. Cannot be combined with other discounts or promotions.
0% interest for 36 months:
No interest if paid in full within 36 months*. $1999 minimum purchase. Cannot be combined with other discounts or promotions.
0% interest for 48 months:
No interest if paid in full within 48 months*. $2499 minimum purchase. Cannot be combined with other discounts or promotions.
0% interest for 60 months:
No interest if paid in full within 60 months*. $2999 minimum purchase. Cannot be combined with other discounts or promotions.
0% interest for 72 months:
No interest if paid in full within 72 months*. $4999 minimum purchase. Cannot be combined with other discounts or promotions.
*No interest will be charged on the promo purchase if you pay the promo purchase amount in full within the promotional period. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time. Only orders above $200 qualify for special financing offers. Tax and shipping do not apply towards the minimum purchase requirement.
ACIMA Leasing
No credit needed lease-to-own option powered by Acima
¹The advertised service is a rental or lease purchase agreement. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application.
No credit needed lease-to-own
3-Months Purchase Option
A quick, simple application process with a decision made in only a few seconds
Why Lease-To-Own With Acima?
Buying a bed shouldn’t be something you lose sleep over. When funds are tight, there’s Acima. When you’re in a bad credit situation, there’s Acima. When you need to buy something on short notice, there’s Acima! Acima is your shop now, pay later solution.
No Credit Needed:
“The No Credit Option” or “All Without Credit” means this is not a credit, loan, or financing transaction. It does not mean or imply no inquiry will be made of credit history or creditworthiness. Acima considers multiple data points in reviewing your application and regularly approve customers with less than perfect credit history.
3-Months Purchase Option
To purchase early, call (801) 297-1980. Acima provides a lease agreement of 12 months or longer for the customer to review and sign. Once a lease begins, the customer has three options. First, they can acquire ownership of the item by making the number of lease renewal payments disclosed in their agreement. Second, at any time during the lease they can exercise an early purchase option and purchase the item at a discount to the total cost of the lease. The earlier this decision is made, the larger the discount. If the early purchase option is executed within the first 3 months, then the customer will pay the retailer’s cash price plus Acima’s markup. And third, if the lease no longer fits within their budget, they can make the decision to return the item to us in good condition and have no further payment obligation.
Get approved for up to $4000
Acima’s application is fast and easy to complete, and won’t harm your credit. You could get approved for $300 to $4,000 of shopping power by meeting these basic requirements:
- An active checking account with at least $1,000 of income per month
- 3 months of income history with your current source of income
- Government-issued photo ID and an SSN or Taxpayer Identification Number
Credit Reporting:
Acima’s lease-to-own solutions report payment activity to Experian.
Acima's $50 Markup:
That’s the amount the customer pays in addition to retailer’s cash price if the early purchase option is executed and completed within the first 3 months. This $50 is the required minimum down payment.