american firstNo Credit Needed!
Our budget-smart financing lets you pay for your mattress over time. Enjoy 90 days same as cash!


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Shop online or in store. We have the largest selection of mattresses and accessories.



Apply online or in-store and receive an answer in just minutes. We make it easy!



Get approved for up to $4000! We have all types of different options to fit your needs.



Have your perfect mattress delivered or pick it up the same day! Now that’s fast!

mattress zone outlet credit apply

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We invite you to apply for our exclusive Mattress Zone Outlet Credit Card powered by Synchrony Bank. Enjoy special 0% financing promotions on all of your purchases, no exceptions! Visit any one of our locations to apply. Receive an answer in minutes!

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Do you have no credit or bad credit? We have a plan that’s right for you! American First Finance is a leader in 2nd Chance No Credit Needed financing. This option gives you the flexibility to pay off your purchase with in 1 year and you’re able to take advantage of their 90 Days Same As Cash promotion. Pay off your purchase within 90 days and it’s as if you paid cash for it, not $1 more. They are able to approve up to $4,000 and there’s a simple application to fill up. To qualify, you must be currently working or receive some type of income, receive at least $1,000 a month, have an active checking account open for at least 3 months, and a valid ID. Don’t let credit mistakes in the past to stop you from getting your dream mattress! Apply by coming in to one of our locations or apply online.


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See something you like but not interested in financing? Our simple layaway plan is a great option. This plan allows you to lock in whatever clearance price we’re offering and gives you up to 90 days to pay it off. There are no fees for opening a layaway and our payment options are very flexible. Come in to one of our stores to take advantage of this plan.