Financing & Payment Options at US Mattress


Synchrony Financing | American Mattress

US-Mattress now has incredible purchase options to better serve your needs and get you the mattress of your dreams! Financing and leasing options are now available to get you the mattress you want without having to clear out your savings. 

Apply for Financing | American Mattress

Financing with Synchrony

 No Interest if Paid in Full within 6, 12, or 18 Months**

on qualifying purchases with your Synchrony HOME credit card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 6, 12 or 18 months. Minimum monthly payments required. See details below.


Promotional Period Min. Purchase Offer Valid Minimum Monthly Payments
6 Months** $1,000 24/7/365 Yes
12 Months** $1,500 24/7/365 Yes
18 Months** $1,999 24/7/365 Yes


**Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.  

To get started online, simply visit our partners at Synchrony. Synchrony offers regular monthly payments that extend your purchasing power and let you take home the mattress you want. Synchrony also provides top-notch security and encryption to protect your information.

Shop our best mattress deals and start getting a better night's sleep!

Great Benefits
  • A dedicated credit line to use again and again at American Mattress and anywhere the
    Synchrony HOME Credit Card is
  • Convenient monthly payments
  • Payment options - online or by mail
your account online 24/7 
  • Make Payments
  • View your Balance
  • Update Account Info
  • Schedule up to your next 12 payments and more
  • Manage my Account
Easy Use
  • Use your card for future purchases at American Mattress
  • Cardholder-only special offers
  • Use your available
    credit anywhere the Synchrony HOME
    Credit Card is accepted† 

 Subject to credit approval.

Frequently Asked Questions

American Mattress offers customers a credit card through Synchrony with a revolving credit line to use again and again at American Mattress stores and online. Subject to credit approval.

You can apply now for a Synchrony HOME Credit Card online or at any of our retail stores. Click here to find our locations.

To check the status of your Synchrony HOME Credit Card go to the Manage My Account page on Synchrony's website. After logging into your account, you will be able to:

  • Make a payment
  • View your balance
  • Update your account information
  • Schedule up to your next 12 payments

American Mattress offers three convenient ways to pay your Synchrony HOME Credit Card bill:

Pay Online: Click here to make a payment online.

Pay by Phone: Contact Synchrony HOME Customer service at 1-866-396-8254 during the hours listed below to make a payment by phone: 

M-F: 7:30 am to 12:00 am EST
Saturday: 10:00 am to 7:00 pm EST
Sunday: Closed

Pay by Mail: Mail payments to the address below. Ensure that have plenty of time for your payment to arrive prior to the due date: Synchrony Bank PO Box 960061 Orlando, FL 32896-0061

Why Snap?

Snap is a lease-to-own financing provider that empowers credit-challenged shoppers with the buying power to get what they need now. 

Snap believes in transparency, so you’ll know up front the cost of your lease. Snap offers a 100-Day Option, which offers a considerable reduction in the overall cost of your lease.

See more details at: Snap Finance | US-Mattress 




Quick and easy, with no hidden fees. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners:

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