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Continue ShoppingFinance Your Purchase with Sleep First
Sleep now, pay later
No annual fees*
You won’t be charged a yearly fee, so you can spend your cash on the stuff that counts.
Easy to apply
Follow the steps during checkout to apply for your Sleep First Financing Card.
Secure transaction
Built-in protection features ensure that you won't be held responsible for unauthorized transactions.
Three ways to apply for your sleep First financing card
Shop online at sleepfirstusa.com
Talk to us
Visit a Sleep First store
*The Wells Fargo credit card is issued with approved credit by Wells Fargo Bank, N.A. For newly opened accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 12/01/2023 and is subject to change. For current information, call us at 1-800-431-5921.
Start Shopping!
Add products to your online shopping cart, and apply for financing at checkout.
Visit any product page to view a payment calculator, and prequalify with just a few easy clicks.
EASE® 4.0 Power Base
Starting at
$899.00
TEMPUR-Adapt Medium Hybrid Mattress
Starting at
$1,999.00
TEMPUR-Adapt Medium Mattress
Starting at
$1,699.00
TEMPUR-Adapt® Mattress Collection
Starting at
$1,699.00
Frequently Asked Questions
The Sleep First Financing Card offers a convenient and flexible way to finance your mattress purchase. Benefits include:
- Spread Payments Over Time: This card allows you to pay for your mattress in smaller, manageable installments, making it easier to budget for a high-quality mattress without the burden of a large, one-time payment.
- Easy Management: You can easily track and manage your payments online, giving you better control over your finances.
- Enhanced Purchasing Power: The card increases your purchasing power, enabling you to choose the mattress that best suits your needs without being limited by upfront cost.
- Pre-Qualification Process: This is a quick, initial step to gauge your eligibility for the financing card without impacting your credit score. It involves a soft credit check, which gives an indication of your likelihood of approval. However, pre-qualification does not guarantee approval, as it is based on limited information.
- Application Process: This is the formal process of applying for the financing card. It involves a thorough review of your credit history and financial situation, which includes a hard credit inquiry that may impact your credit score. This process leads to a decision on whether you're approved for the card and determines your credit limit and terms.
Yes, you can apply directly for the Sleep First Financing Card without going through the pre-qualification process. However, keep in mind that directly applying will involve a hard credit inquiry, which may affect your credit score. The pre-qualification process is a helpful step to understand your chances of approval with a softer impact on your credit.
No, being pre-qualified does not guarantee that you will receive the same credit limit upon approval. The pre-qualification process provides an estimate based on a preliminary review of your financial information. The actual credit limit is determined after a more comprehensive review of your financial situation during the application process.
If you did not get pre-qualified, it suggests that your financial profile may not meet the current criteria for the financing card. However, you can still choose to apply, keeping in mind that the application process involves a more detailed review of your financial situation and a hard credit inquiry. If your circumstances have changed or you believe there were inaccuracies in your pre-qualification assessment, applying may still be worthwhile.