American Mattress Financing Options

American Mattress now has incredible financing options to better serve your financing needs and get you the mattress of your dreams! Financing your mattress purchase is a great way to start sleeping better without having to clear out your savings.

You can apply for financing online or visit any of our American Mattress locations.

Financing with West Creek

No Credit Needed
Don't let credit issues stop you from buying what you want. With West Creek's high-tech, innovative decisioning there's a good chance you'll be instantly approved for financing, even if your credit score is low.
Fast and Easy
The West Creek process is fast and easy with no hidden fees. Just apply in any American Mattress location or online, and we'll get you a decision within minutes so you can make the purchase you need, when you need it.


Financing with Synchrony

36 Months Promotional Financing Every day* 
*0% for 36 mos. on anything $499 and up

To get started online, simply visit our partners at Synchrony Bank. Synchrony Bank 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

Frequently Asked Questions

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

You can apply for an American Mattress Credit Card at any of our retail stores. Click here to find our locations.

To check the status of your American Mattress Credit Card go to the Manage My Account page on Synchrony Financial'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 American Mattress Credit Card bill:

Pay Online: Click here to make a payment online.

Pay by Phone: Contact Synchrony Bank 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