• Flexable Payment Options

    Payment options the way you need it.

  • Transparent Terms and Conditions

    No Hidden Fees, No Hidden conditions. Your Account provides all documents that are easily accessable.

  • Secure Online Access

    Secure online access to your account & payments

  • Great Customer Service

    Synchrony Provides amazing online AI and human customer service 7 days a week.

Synchrony Financing

Pay at your own pace, with our affordable financing options from Synchrony or online with Affirm.

At Mattress Xperts, we understand that investing in a new mattress or furniture can be a significant expense. That's why we proudly offer Synchrony Bank financing options, allowing you to pay for your purchase over time instead of a lump sum. With up to 48 months to pay, you can enjoy the comfort and quality of our products without breaking the bank.

Synchrony Bank is renowned for its home financing solutions, including CareCredit, and other fantastic financial offers for Americans. They have a user-friendly website filled with valuable information for their customers, making the financing process easy and convenient.

With Synchrony Bank financing, you can take advantage of flexible payment plans tailored to your needs. Whether you prefer monthly installments or a longer-term plan, Synchrony Bank has options to suit your budget. Their competitive interest rates and transparent terms ensure that you can make informed decisions about your investment.

Not only does Synchrony Bank offer excellent financing options, but they also provide exceptional customer service. Their dedicated team is available to answer any questions or concerns you may have throughout the financing process. You can rely on their expertise and support to make your purchasing experience smooth and hassle-free.

When you choose Synchrony Bank financing at Mattress Xperts, you can enjoy the benefits of:

  • Flexible payment plans
  • Competitive interest rates
  • Transparent terms and conditions
  • Convenient online access to your account
  • Outstanding customer service

Investing in a new mattress or furniture is an important decision, and we want to make it as accessible as possible. With Synchrony Bank financing, you can bring home the comfort and style you deserve without compromising your budget. Visit our store or website today to explore our wide selection of high-quality products and take advantage of our convenient financing options.

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.

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I already have a line of Credit With Synchrony can I use that Card?

Congratulations ! Thats Awesome. You may use your Synchrony Home Card at our location. However, if you have a Care Credit Card we unfortunately will have to ask you to apply for a Home Card.

How Do I Apply For Financing?

Visit one of our store locations or your can apply online. If you are accepted just bring your acceptance email to the store closest to you and we will handle the rest.

I have bad credit can I get approved?

Unfortunately, with Synchrony you will need a top tier credit score. However We Do offer No Credit options which you do not need a high score to get approved. Read More About that HERE

What is No Interest Financing?

Basically, you have "X" number of months to pay off your loan. If it is paid within that set "X" number of months you will not incur finance charges. However, if you exceed that allotted time you will pay a Hefty fee.

What Is a Synchrony Home Card?

The Synchrony HOME Credit Card is a single card dedicated exclusively to your home-related purchases. You can use your card at Synchrony HOME partner locations. We have partners in home categories including flooring, electronics & appliances, furniture & mattresses, patio and more. With the Synchrony HOME credit card you can enjoy these benefits:

  • Acceptance at 16,000+ Synchrony HOME partner locations nationwide: The Synchrony HOME Credit Card can be used at partner locations nationwide. Find locations near you.

  • At select Synchrony HOME partner locations, you can take advantage of longer-term promotional financing ranging from 12 -60 months on qualifying purchases.

  • Everyday promotional financing is available on qualifying purchases anywhere the card is accepted. Get 6 months on purchases of $299 - $1998.99 or 12 months on purchases of $1,999 or more.2

Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

No Interest If Paid In Full Within 6 or 12 months on qualifying purchases with your Synchrony HOME Credit Card. 6 months on purchases of $299 – $1,998.99 or 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. 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. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreements for their applicable terms.

Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

5Data fees may apply.

Where Can I Apply?

You may visit

What will my payments be?

Your monthly payments for financing will be based upon your purchase price and the amount of months you receive during your application process.

Other inquiries? Let's chat.

Please email us at