Financing Options
At Mack Mattress, we believe in offering flexible financing options to help you maximize your budget and discover deep restorative sleep.
Bread Pay
Offers as low as 0% APR
Split your purchase into easy monthly payments with rates as low as 0% APR for qualified buyers. Quick online application with instant approval.
- As low as 0% APR
- 6–24 month terms
- No prepayment penalties
- Quick online approval
PayTomorrow®
Flexible Financing for Everyone
PayTomorrow offers flexible financing options designed to work with a wide range of credit profiles. Get pre-approved in minutes without affecting your credit score.
- Flexible terms up to 60 months
- Soft credit check for pre-approval
- Works with varied credit
- Early payoff discounts
Katapult Leasing
No Credit Needed — Lease to Own
Katapult makes it easy to lease the mattress you want with no traditional credit check. Build ownership over time with flexible lease-to-own terms.
- No credit needed
- Lease-to-own flexibility
- Early purchase options
- 90-day purchase option
- Up to $3,500 in lease pre-approval
- Decision in 5 seconds or less
- Never a late fee — ever
Apply at Your Local Store
Financing pre-approvals are location-specific. Select your store to apply.
Westerville
Schrock & S State Street
Apply NowSawmill Road
N of 270, S of Hard Road
Apply NowCleveland Avenue
Oakland Park & Cleveland Avenue
Apply Now* Separate pre-approvals are required for each store location. Apply in-store or online.
Apply for Online Store
Easy pre-approval for purchasing online
* Separate pre-approvals are required for in-store locations
F.A.Q.
General Questions
Financing options can be overwhelming when trying to choose the best option for you. Please use our guide for some of our most common questions.
Have additional questions? Do not hesitate to reach out — we are here to help!