Financing

pay at your own pace

2000+ 5-Star Reviews

Cloudy Mattress offers financing options to help you purchase your desired mattress without immediate full payment. They have partnered with Affirm, Klarna and Snap to provide flexible payment plans.

why choose financing with cloudy mattress?

With our financing options, you’ll enjoy -

Low Monthly Payments: Spread the cost over manageable monthly payments.

Flexible Payment Plans: Choose from 3, 6, or 12-month plans to suit your budget.

Quick & Easy Application: No hidden fees, just transparent terms and a fast process.

0% APR Available: Qualify for 0% APR financing and enjoy interest-free payments on select plans.*

Financing options are available on a wide selection of our mattresses, bed frames, and bedding essentials. You can sleep comfortably while paying over time!

how it works?

Financing with Cloudy Mattress is simple & straightforward:

Select Your Mattress: Add your favorite Cloudy Mattress products to your cart.

Choose Affirm/Klarna/Snap at Checkout: When you’re ready to purchase, select Affirm as your payment method.

Apply in Minutes: Enter a few details for an instant decision.

Pick Your Plan: Choose from flexible payment options like 3, 6, or 12 months.

Complete Your Purchase: Once approved, finalize your order and prepare for better sleep!

With approval, you’ll see your payment schedule and interest rate upfront, so you can choose the best option for you.

financing faq

What is Affirm?

Affirm is a trusted financing partner that allows you to make purchases with flexible monthly payments, giving you the freedom to pay over time. Affirm offers transparency in their terms, with no hidden fees.

How do I qualify?

Simply select Affirm at checkout and complete the quick application. Approval is based on several factors, including your credit history.

Does Checking My Eligibility Affect My Credit?

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.

Are there any hidden fees?

No, Affirm prides itself on transparency. You’ll see any interest rates or fees upfront, so there are no surprises.

Can I pay off my financing early?

Yes, Affirm allows you to pay off your balance at any time with no additional fees.

"Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.”

Affirm full payment terms and disclosure requirements

https://www.affirm.com/disclosures

snap finance

What is Snap Finance?
Snap Finance offers lease-to-own financing, enabling customers to acquire merchandise immediately and make payments over time. This option is particularly beneficial for individuals with less-than-perfect credit.

How does the payment structure work with Snap Finance?
Snap Finance operates on a lease-to-own model, where customers make scheduled payments over a 12-18 month term. Early buyout options, such as the 100-Day Option, are available for those who wish to own the merchandise sooner.

Are there credit requirements for Snap Finance?
Snap Finance caters to customers with all credit types, including those with poor or no credit history. Approval is based on various factors beyond credit scores.

How does Snap Finance impact my credit score?
Snap Finance uses data from secondary credit reporting agencies for lease-to-own products, so applying may affect your credit with these agencies, but is unlikely to impact your FICO® score or scores from the three major credit bureaus.

Can I pay off my balance early with Snap Finance?
Yes, Snap Finance offers early buyout options, including the 100-Day Option, allowing you to acquire ownership sooner and reduce the overall cost.

How do I manage my payments with Snap Finance?
You can manage your account, view transactions, and make payments through the Snap Finance Mobile App or the Customer Portal on their website.

What is Klarna?
Klarna is a buy now, pay later service that provides various payment plans, including interest-free installments and financing options, allowing customers to spread the cost of purchases over time.

How does the payment structure work with Klarna?
Klarna offers multiple payment plans, including:

Pay in 4: Four interest-free installments.
Pay in 30 Days: Full payment within 30 days, interest-free.
Financing: Extended payment plans up to 24 months, which may include interest depending on your creditworthiness.

Are there credit requirements for Klarna?
Klarna performs credit checks that can be soft or hard, depending on the chosen payment plan. Approval is influenced by credit history and other factors.

How do I apply for financing with Klarna?
Simply select Klarna as the payment method at checkout with participating retailers. You’ll be prompted to choose a payment plan and complete a brief application.