Best Affirm Mattress Guide

The Best Affirm Mattresses

Are you having trouble falling asleep on the same uncomfortable mattress every night? It’s hard to be at your best when you can’t get a good night’s sleep and can’t afford a new mattress.

You can put your worries to rest because the future of financing is here with the best affirm mattresses.

What Is Affirm?

Affirm is a financial technology company that enables consumers to make purchases without roping them in on unhealthy debt. The company takes pride in displaying the total purchase price upfront, offering flexible payment schedules, and having zero late charges and penalty fees.

Affirm was established in 2012 by Max Levchin, one of the co-founders of PayPal.

How To Use Affirm

It’s free and easy to use Affirm. Simply create an account through their website or by downloading and installing the Affirm app on your mobile phone.

Buying Mattresses with Affirm

Mattresses are one of the many items you can buy with Affirm. To purchase a mattress using Affirm, simply choose the Affirm payment option at checkout. Affirm will then present you with options for repayment. Once you choose your repayment terms, you can complete the purchase.

Want to learn more? Here’s how Affirm works:

How to qualify: Affirm performs a soft credit check so it doesn’t affect your credit rating. While there is no minimum credit score requirement, a good score affords you a lower interest rate.

In case you don’t qualify for the full purchase price, you can put in a 10 to 15% down payment.

Maximum loan amount: Affirm can lend up to $17,500 to qualified account holders.

Repayment plans: You can choose to repay the amount in 3, 6, or 12 months. Shorter repayment plans are for smaller amounts while loans with longer repayment terms are reserved for larger purchases.

Interest rate: Interest rates are fixed and range from 0 to 30% Annual Percentage Rate (APR). These vary from store to store; some merchants offer zero-interest loans while others don’t.

Payment: Your first Affirm mattress payment is due a month after the date of purchase. The due dates of subsequent payments will be on the same date every month thereafter.

Unlike other financial lending companies, Affirm doesn’t charge prepayment fees, service charges, and late fees.

What Mattress Companies Use Affirm?

You can pay with Affirm at 0% APR when buying mattresses from Purple Innovation, Leesa, Nectar, and Casper.


Best Affirm Mattresses With 0% APR That You Can Buy


Purple Innovation is a comfort tech company that sells products like mattresses, pet beds, seat cushions, beddings, etc.

Their mattresses offer the latest innovations such as the GelFlex Grid which has similar features as memory foam but has the added benefit of being temperature-neutral to keep you cool as you sleep.

There are three types of purple mattresses available: Purple, Purple Hybrid, and Purple Hybrid Premier. Purple and Purple Hybrid come with a 2-inch gel grid while the Hybrid comes with premium support coils.

They provide free delivery, have a 100-night trial, free returns, and a 10-year warranty on all their products.

Leesa Mattresses

Leesa mattresses are designed and manufactured in the USA. They have been around for over 30 years and boast of having over 18,000 5-star reviews. Their online store offers mattresses for different price points. They have a budget mattress, a midrange option, and a luxury mattress.

All their products use premium foam and, depending on the model, can have a cooling top layer, pocket springs, and a dual spring system for support.

Their mattresses undergo rigorous and meticulous testing by the employees themselves. Mattresses are screened for durability, pressure testing, and other industry metrics.  Every mattress from Leesa is made to order. They aren’t mass-produced and left in a warehouse until sold.

Like Purple Innovation, they also provide a 10-year warranty and 100-night trial with free shipping and easy returns.


Casper has been around since 2014. They have a Casper Lab for all their research and development initiatives. To help their customers get the best sleep of their lives, they have prototyping and testing machines, conduct product tests and employ researchers, scientists, and engineers. Since launching, they have performed over a thousand iterations on their products to help customers sleep better.

Similar to Purple and Leesa, they also have mattresses that are embedded with cooling material to provide a cool yet cozy sleeping experience. Casper provides four types of mattresses: the Original, Wave Hybrid, Nova Hybrid, and the Element.

These mattresses feature targeted support and use high-quality materials. Their Wave Hybrid offers full-body support while Nova Hybrid provides upper body support for the shoulders, back, and waist. If you prefer a mattress that is less firm and has minimal spinal support, look into Casper’s Original mattress. Budget-conscious buyers should consider the Element with an Affirm mattress topper.

By partnering with different organizations, Casper has donated over 70,000 sleep products for people and even dogs. They also recycle old sheets, pillows, and bedding while donating their time towards organizations like Women in Need and Start Small Think Big.

Similar to the other two companies Casper also provides a 100-night trial.


Nectar features mattresses that are easy on the pocket and multi-awarded. In 2020 alone, their awards included the Best Memory Foam Mattress Award from Slumber Yard and the Best Mattress of the Year Award by USA Today.

Their mattresses are widely available in over 2,000 stores located in 49 states. Unlike the first 3 brands, Nectar offers a 365-day guarantee — enough for the entire year! They also offer a lifetime guarantee which allows you to have their products replaced or repaired for any product issues at any point.

Nectar has three types of mattresses that utilize memory foam. Each product variant is different in terms of the length of layer and material used. Every mattress has 7 layers from the quilted cool cover on top to the smart and dynamic layers which adjust to your body while providing support. They also have a base layer for stability and a shift-resistant lower cover.

Since their products are made out of foam and are not box-spring mattresses, they come packed in a convenient box so you only need to unroll your mattress before using it.

Rest Easy with Affirm

With Affirm, you don’t have to scrimp and save before enjoying a good night’s sleep. Simply sign up for an account and choose a payment plan. Affirm provides financial assistance that is transparent and flexible with no hidden late fees or charges.

Other mattresses you can enjoy through Affirm are organic mattresses from Avocado and luxury cooling mattresses from GhostBed which are also available at 0% APR.

With so many options in mattresses and loan repayments, you can finally sleep without breaking your back or the bank!

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