Sleep Now, Pay Later
Easy Mattress Financing Options
0% APR Financing up to 60 months*
Great sleep can't wait, but payment can.
With Affirm and SplititPayBright, you’ve got options that make purchasing easy, with or without credit.
No hidden fees, no surprises.
Pair with our 101-Night Sleep Trial and make low monthly payments as you decide what you think of your new GhostBed mattress.
- Choose your payment terms, with options from 3 to 60 months depending on your order
- Finance your mattress for as little as 0% APR financing.*
- Quick & easy approval process, with no hit to your credit score
- Easy monthly payments via debit card or bank transfer. Learn more about Affirm
- Use an existing Visa or Mastercard credit card to pay over time
- Choose your payment terms, from 2 to 12 months
- No applications, credit check or registration required to get started
- 0% interest and NO late fees—ever
- Choose your payment terms, with options from 3 to 60 months depending on your order
- Finance your mattress for as little as 0% APR financing.*
- Quick & easy approval process, with no hit to your credit score
- Easy monthly payments via debit card or bank transfer. Learn more about Affirm
Pre-Qualify Now

Convenient
No need to wait! Finance your mattress to complete your purchase today and make easy monthly payments via credit card, debit card or bank transfer.
Flexible
The option to pay later is available to most customers, when you buy with Affirm.
Transparent
You’ll know exactly what you'll pay upfront, without any surprises.

Estimate Your Finance Options
As Low As $0 Down, 0% APR up to 60 Months
We get it: buying a new mattress is an investment. We’ve partnered with Liquid error: Unknown operator constains to make it easier to say “yes” to upgrading your sleep with GhostBed.
Qualified customers enjoy low monthly payment plans and as little as 0% APR, so you get your mattress and other GhostBed products right away—but your bank account gets a little leeway.
Select your mattress and size below to see sample payment plans:
Affirm Financing - How It Works
Select Affirm at Checkout
Enter a few pieces of information for a real-time decision from Affirm. Checking your eligibility won't affect your credit score.
Choose How to Pay
Within seconds you’ll see your payment options, which can range from 3-to-60-month terms depending on the items in your order. Select the schedule you like best, then confirm your payment plan. You'll never be charged more than you see upfront.
Make Easy Monthly Payments
Your first monthly payment is due 30 days after we’ve processed your order. After that, you'll get monthly email & SMS reminders about your upcoming payments, which can be paid through the Affirm app or online Affirm account. No late fees, and no surprises.
PayBright Financing - How It Works
Select PayBright at Checkout
Enter a few pieces of information for a real-time decision from PayBright. Checking your eligibility won't affect your credit score.
Choose How to Pay
Within seconds you’ll see your payment options, which can range from 3-to-36-month terms depending on the items in your order. Select the schedule you like best, then confirm your payment plan. You'll never be charged more than you see upfront.
Make Easy Monthly Payments
Your first monthly payment is due 30 days after we’ve processed your order. After that, you'll get monthly email & SMS reminders about your upcoming payments, which can be paid through the PayBright app or online PayBright account. No late fees, and no surprises.
Splitit - How It Works
Select Splitit at Checkout
Choose the Splitit option at checkout and enter your credit card information to get started. No registration, application or credit check required.
Choose Your Payment Schedule
Select your preferred number of payments to see how your purchase will break down and your payment schedule will look.
Pay Over Time
At the time of purchase, you will only be charged for your first payment. The remaining balance will be held on your credit card, reducing each month until your final payment is made via Splitit.
Other Payment Options
If your loan is not approved by Affirm, you’ve still got options! Learn more about Katapult, our lease-to-own partner, here. No credit history or credit card needed— just $45 to start.
Or, use Katapult
If Affirm isn't able to offer you a payment plan, most customers will be given the option to check out today using our lease-to-owe program from Katapult, an Affirm partner

