Sleep Now, Pay Later

Easy Mattress Financing Options

0% APR Financing up to 60 months*

Great sleep can't wait, but payment can.

With Affirm, you've got options that make purchasing easy, with or without credit.

No hidden fees, no surprises.

Pair with our 101-Night Sleep Trial and make low monthly payments as you decide what you think of your new GhostBed mattress.

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  • Choose your payment terms, with options from 3, 6, 12, 18, 24, 36 and 60 months depending on your order
  • Finance your mattress for as little as 0% APR financing.*
  • Quick & easy approval process, with no hit to your credit score
  • Easy monthly payments via debit card or bank transfer. Learn more about Affirm
* Offer depends on total purchase amount. Subject to eligibility check and approval.

Pre-Qualify Now

Pre-Qualify Now


No need to wait! Finance your mattress to complete your purchase today and make easy monthly payments via credit card, debit card or bank transfer.


The option to pay later is available to most customers, when you buy with Affirm.


You'll know exactly what you'll pay upfront, without any surprises.

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Estimate Your Finance Options

As Low As 0% APR up to 60 Months

We get it: buying a new mattress is an investment. We've partnered with Affirm to make it easier to say “yes” to upgrading your sleep with GhostBed.

Qualified customers enjoy low monthly payment plans and as little as 0% APR, so you get your mattress and other GhostBed products right away—but your bank account gets a little leeway.

Select your mattress and size below to see sample payment plans:

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Affirm Financing - How It Works

Step 1

Select Affirm at Checkout

Enter a few pieces of information for a real-time decision from Affirm. Checking your eligibility won't affect your credit score.

Step 2

Choose How to Pay

Within seconds you'll see your payment options, which can range from 3, 6, 12, 18, 24, 36 and 60 month terms depending on the items in your order. Select the schedule you like best, then confirm your payment plan. You'll never be charged more than you see upfront.

Step 3

Make Easy Monthly Payments

Your first monthly payment is due 30 days after we've processed your order. After that, you'll get monthly email & SMS reminders about your upcoming payments, which can be paid through the Affirm app or online Affirm account. No late fees, and no surprises.

Other Payment Options

If your loan is not approved by Affirm, you've still got options! Learn more about Katapult, our lease-to-own partner, here. No credit history or credit card needed— just $45 to start.

Or, use Katapult

If Affirm isn't able to offer you a payment plan, most customers will be given the option to check out today using our lease-to-owe program from Katapult, an Affirm partner

Use Katapult
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What is Affirm?

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Why buy with Affirm?

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How does Affirm approve borrowers for loans?

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Does Affirm perform a credit check?

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How do I make my payments?

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Are there any interest or fees associated with Affirm loans, like late fees or interest?

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What is Katapult?

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What is Lease-To-Own?

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I was previously approved by Katapult... How do I complete my order?

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How much do I have to pay to start my lease with Katapult?

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I'm trying to check out and I do not see a Katapult option? What should I do?

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I already have a lease with Katapult. Do I have to pay $45 to get more items?

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I'm trying to sign my lease agreement and the "agree" button is greyed out. What should I do?