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How To Purchase Through Mattress Financing Options

Picture of Financing Options

Your mattress plays a crucial role in the quality of your sleep every night, in addition to contributing to your overall health. So it pays to invest in a well-made, high-quality mattress that will continue to deliver cloud-like comfort for years to come. But that doesn’t mean you need to break the bank, either.

In addition to our competitive pricing on mattresses, Ben’s offers some great mattress financing options to make your payments easier and more convenient.

Here are two mattress financing options our customers love:

  1. Financing Purchase

    This is a great option for those who have less-than-perfect credit or no credit history. We understand that families and individuals have unique circumstances affecting their credit situation. At Ben’s, we don’t want those circumstances to stand in the way of purchasing the mattress of your dreams!

    This financing option allows you to finance your mattress purchase with smaller, easy-to-manage monthly payments. In lieu of a credit application, we’ll kindly request a down payment at the time of purchase and proof of income.

    We’ll ask you to complete our financing application at one of our locations. To qualify, your application will need to include a few items and meet the following criteria:

    Down payment required.

    • Proof of income from the same source for 30 days.
    • An open or active personal checking account, used in the normal fashion.
    • Deposit at least $900 per month in the account and have no more than 4 non-paid checks or debits on one 30 day bank statement.
    • Account must be open for at least 90 days.
    • Must have check and debit transactions going through personal checking account.
    • Voided check or down payment at the store using debit card attached to the checking account.
    • Valid state issued picture ID.
    • Gross income of at least $1,200 per month.
    • Military must be E4 or above.

    This financing option is provided by Okinus Credit Solutions. The maximum approval amount is $3,000.

  2. No Interest for 6 or 12 Months with regular payments

    This is a great option for those who want to split their mattress purchase into easy-to-manage payments, without paying interest. Depending on the amount of your purchase, you’ll have 0% interest for 6 or 12 months, as long as you continue to make your minimum payments on schedule.

    • Enjoy 6 months at no interest on any mattress purchase less than $500.
    • Get 12 months of no interest on all other mattress purchases of $500 or more.

    Both the 6-month and 12-month options require you to make regular payments to maintain the 0% interest. If you pay the full purchase amount within the applicable timeframe, no interest will be charged.

If you don’t pay in full, interest will be charged on the purchase from the purchase date. Depending on the purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off the purchase by the end of the promotional period. Regular account terms apply to non-promotional purchases and to promotional balance after the promotion ends.

For new accounts, the Purchase APR is 29.99% and the minimum interest charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. This financing option is provided by Synchrony Financial and subject to credit approval. A completed application can be processed at any one of the Ben’s locations to qualify.

For complete details or to apply for either of these great financing options, see an associate at any Ben’s location. We’re happy to help!

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