Financing / Closed End Financing Options

Synchrony Financing | American Mattress

American Mattress now has incredible purchase options to better serve your needs and get you the mattress of your dreams! Financing and leasing options are now available to get you the mattress you want without having to clear out your savings.

Financing available from 6-48 months†

Convenient monthly payments†

Apply online or visit any location


Apply for Financing | American Mattress

Financing with Synchrony

0% APR for 24, 36 or 48 Months*

Limited time on qualifying purchases with your Synchrony HOME credit card. Equal monthly payments required for 24, 36 or 48 months. See details below.


 0% Interest for: Minimum Purchase Offer Valid Equal Monthly Payments
2 Years* $999 5/1/23-6/30/23 24 Months
3 Years* $1,499 5/1/23-6/30/23 36 Months
4 Years* $1,999 5/1/23-6/30/23 48 Months


*No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. 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. We reserve the right to discontinue or alter the terms of this offer any time.

No Interest if Paid in Full within 6, 12, or 18 Months**
on qualifying purchases with your Synchrony HOME credit card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 6, 12 or 18 months. Minimum monthly payments required. See details below.


Promotional Period Min. Purchase Offer Valid Minimum Monthly Payments
6 Months** $0 24/7/365 Yes
12 Months** $0 24/7/365 Yes
18 Months** $0 24/7/365 Yes


**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. New Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. (Include any additional terms related to the free pillows.)

To get started online, simply visit our partners at Synchrony. Synchrony offers regular monthly payments that extend your purchasing power and let you take home the mattress you want. Synchrony also provides top-notch security and encryption to protect your information.

Shop our best mattress deals and start getting a better night's sleep!

Great Benefits
  • A dedicated credit line to use again and again at American Mattress
  • Convenient monthly payments
  • Payment options - online or by mail
  • Apply Today
Access 24/7
  • Make Payments
  • View your Balance
  • Update Account Info
  • Schedule up to your next 12 payments
  • and more
  • Manage my Account
Easy Use
  • Use your card for future purchases at American Mattress
  • No expiration date
  • Cardholder-only special offers
  • Your open line of credit can be used anywhere that Synchrony Home Card is accepted.


Frequently Asked Questions

American Mattress offers customers a credit card through Synchrony with a revolving credit line to use again and again at American Mattress stores and online. Subject to credit approval.

You can apply now for a Synchrony HOME Credit Card online or at any of our retail stores. Click here to find our locations.

To check the status of your Synchrony HOME Credit Card go to the Manage My Account page on Synchrony's website. After logging into your account, you will be able to:

  • Make a payment
  • View your balance
  • Update your account information
  • Schedule up to your next 12 payments

American Mattress offers three convenient ways to pay your Synchrony HOME Credit Card bill:

Pay Online: Click here to make a payment online.

Pay by Phone: Contact Synchrony HOME Customer service at 1-866-396-8254 during the hours listed below to make a payment by phone: 

M-F: 7:30 am to 12:00 am EST
Saturday: 10:00 am to 7:00 pm EST
Sunday: Closed

Pay by Mail: Mail payments to the address below. Ensure that have plenty of time for your payment to arrive prior to the due date: Synchrony Bank PO Box 960061 Orlando, FL 32896-0061

Lease Option

Progressive Leasing

Apply online for lease-to-own solution with progressive leasing* available at American Mattress. Once approved you are free to shop for leasable items at the store of your choice. Approval is good for up to 90 days. An initial payment will be collected when you sign your lease.

  • No credit needed
  • 90 day lease to own options^
  • Flexible payments



*The advertised service is lease-to-own or a rental- or lease- purchase
agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring
ownership by leasing costs more than the retailer’s cash price. Leasing
available on select items at participating locations only. Not available in MN,

^90-Day Purchase Option: Standard agreement offers 12 months to ownership.
90-day purchase options cost more than the retailer’s cash price (except 3-
month option in CA). To purchase early call 877-898-1970.

0% to approved buyers on specific terms offered by Synchrony & Affirm. See provider for details.

 Affirm Pay over time