Key Benefit of no Credit Lease to own

  • No Credit Needed

    No credit needed for Lease to Own- Helps to build credit

  • Easy Payment Options

    Up to 6 Month to pay for your New Mattress and Furniture Purchase

  • Instant Decision

    Instant Approvals up to $4000 for your purchase

  • Pay Your Way

    Pay for your purchase on your terms. Find out more about SNAP Loans

SNAP Financing

At Mattress Xperts, we understand that purchasing a new mattress can be a daunting task, especially for those on a budget or growing families. We believe that good health starts with a good night's sleep, and we don't want bad credit or no credit to stand in the way of that.

That's why we offer a convenient financing program through SNAP Financial, where you can get approved instantly for up to $2000. With our financing options, you can bring home the mattress of your dreams without breaking the bank.

To qualify for SNAP financing program, you will need:

  • A job or place of employment with pay stubs to demonstrate your income stability
  • A bank account for easy payment processing
  • A valid picture ID for verification purposes

With these simple requirements, you can enjoy the benefits of our financing program and pay for your mattress in convenient terms offered by SNAP Financial. Don't let financial constraints hold you back from getting the quality sleep you deserve.

Visit a Mattress Xperts store near you today and finance your dreams. Our knowledgeable staff will be happy to assist you in finding the perfect mattress and guiding you through the financing process. Sleep well and wake up refreshed with Mattress Xperts.

Visit our FAQ down below

Send us an email to tell us what's up and someone from our Customer Service team will get back to you as soon as possible. Be sure to include your order number (if you have one) and we will try to contact you as soon as possible . We are Always here to Help.

Please email us at

apply online now

Frequently Asked Questions about SNAP Loan

Does Snap Finance check your bank account?

Yes, they will validate that you have an account and request information from the finacial institution .

Does SNAP approve everyone?

In most cases they will approve everyone with no credit, bankruptcy, or bad credit but they reserve the right not to offer services to those who do not meet a standard.

Will SNAP Pull Payments from my back

Yes, you will need to provide their customer service with dates to automatically withdraw payments from your account.

Where Can I apply for SNAp?

You can visit a Mattress Xperts Store near you for more information or you can use our ONLINE LINK and get pre-approved before you walk into the store.

Just remember to Bring your ID, Bank Account, routing number and a bank card for your initial payment.

where can i find more information on SNAP ?

You can visit their website

Need More Information ? Email Us

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I was in the process of buying a new home and as you know you can not have credit pulled or use your credit cards but I wanted to get all the furniture and mattresses needed. SNAP was great to work with and I had all of my furniture and mattresses delivered the same day we closed on our house. I'd use this service again.

Mark Whitesman

SNAP helped me to build establish credit, I paid the loan off before the terms ended and very thankful for this service. Plus I am sleeping on a new Steans and Foster Hybrid mattress.

Shawanda Reynolds

I am so thankful to have SNAP as a newly Divorced woman with little credit, I needed a mattress but didn’t have the cash to pay upfront. SNAP really came in handy and it helped me to establish some credit as well.

Tanya Thomas