Sleep Now, Pay Later


Pay For Your Mattress Over Time

  • Financing options starting at 0% APR
  • Choose from 3, 6, 12, 18, 24 or 36 month payment plans*
  • Quick & easy prequalification
  • Eligibility check has no impact to credit
  • Choose 4 bi-weekly or monthly payments**
  • No additional charges or interest rates
  • No late fees
  • Eligibility check has no impact to credit

Comfortable Financing Options

No fees, no surprises

Bear’s financing options are as low as 0% APR, and without all the hidden fees or markups.

Two ways to pay

Bear has teamed up with Affirm and Shop Pay for financing, so you can sleep tonight and pay later.

Comfort for your wallet

With flexible financing options, you can stick to your budget and still get the best rest of your life.

How do I Use Financing on


Start checking out

Select checkout on your cart once you are ready.

Enter shipping info

Complete the shipping section and advance to payment.

Select payment plan

Select Affirm or Shop Pay on the payment screen.

Better Sleep at a Better Price


Product Pricing Details

We strive to bring you the lowest prices. The strike-through or reference price indicates the Product’s suggested retail price (SRP) and may not have been offered by us or other retailers at that price in the past and may not be offered for sale at that price on any future date. Thus, the strike-through price may not necessarily be the prevailing market price, regular retail price, or former price of a Product. In addition, Products may be offered by us or other retailers at the same or lower prices during future promotional events beginning on or after the last day of any advertised promotion. See Details