Mattress Financing

Sleep Now Pay Later

Big Fig Mattress has teamed up with Bread® and Zibby to offer two great financing options! For low APR financing, Bread® offers flexible options. For people with low or no FICO scores, Zibby offers a lease-to-own alternative to traditional financing.

Financing for 6-36 Months**,
0% APR Financing Available**

GET PRE-APPROVAL WITH BREAD
Fast and Easy Process

No paperwork here! Check your rate in seconds. If you pre-qualify, review and select a payment plan to complete your purchase.

Payments As Low As $54.81/Month

For as low as $54.81/month, you can enjoy your new mattress ASAP.

Flexible Monthly Payments

Pay off your Big Fig over time with different payment plans up to 36 months at competitive interest rates.**

GET PRE-APPROVAL WITH BREAD

Lease-to-own financing for
people with low or no FICO scores

No Credit Required

We’ll instantly approve you up to $3,500 without looking at your FICO score.

Pay Over Time

Make your minimum term payments and you'll own it, or buyout early and save.

Checkout For As Little As $45

For just $45 you can enjoy your items ASAP.

Flexible Payments

Zibby sets up your payments to match your pay dates. Make your recurring payments and you'll own it, or buy out early and save.

Financing Couple Image

How To Finance Your Mattress:

  • Step 1

    Select size of your Big Fig Mattress and add to cart

  • Step 2

    Select Big Fig Financing as payment method at checkout

  • Step 3

    Complete the approval process

  • Step 4

    Return to Big Fig Mattress and complete checkout

Financing FAQ

  • Who is eligible for Financing?
    Bread
    • 1) U.S. residents, excluding residents of Iowa, Idaho, and West Virginia
    • 2) U.S. residents over the age of 18 (19 for Alabama or Nebraska residents), provided we can verify your identity.
    • 3) Please note that if you apply to see if you’re pre-qualified and are denied, you won’t be eligible to apply with the same merchant again for the next 90 days
    Zibby
    • 1) U.S. residents, excluding residents of Minnesota, New Jersey, Wisconsin, and Wyoming
    • 2) U.S. residents over the age of 18 for all eligible states
  • I've been approved. What's next?

    That’s great news! If you would like to pay for your order over time, simply select “Financing” as the payment method in your checkout process.

  • When would my first payment be due?
    Bread

    Your first payment is due 30 days after your order is “settled.” Usually this is about when you place your order. Our partner, Bread, will email you and text you a link to its simple, easy payment portal.

    Zibby

    The first payment for Zibby is due at checkout. Then recurring payments are auto-withdrawn from the account used at checkout.

  • Will applying for financing affect my credit score?
    Bread

    Pre-qualifying for a loan will not impact your credit score whatsoever. If you checkout with a loan, this will trigger a hard pull to your credit and will impact your score like any loan.

    Zibby

    Zibby will approve you for up to $3500 without looking at your FICO score.

  • I was approved for a loan, but my loan amount won’t cover my full order size. What do I do?
    Bread

    No problem! You will be triggered to input your credit card information in the checkout process – this will allow you to cover the remaining amount of your order with a CC, and the rest can be applied to your loan so you can pay over time.

    Zibby

    Zibby cannot be used as a down payment online at this time.

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0% APR Financing Available,
As Low As $54.81 / Month
GET PRE-APPROVAL
Low or No Credit?
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20 Year Warranty 20 Year Warranty
120 Night Trial 120 Night Trial
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Easy Returns
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Terms & Conditions

* This example payment is based on the listed product price of $1,699 assuming a 36 month term loan and a 9.99% APR. Your terms may vary and are subject to credit approval. Rates range from 0% to 29.99% APR. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.

** Your terms may vary and are subject to credit approval. The term is for a loan to finance a purchase. Rates range from 0% to 29.99% APR resulting in, for example, 12 equal monthly payments from $83.33 at 0% APR, or 36 monthly payments of $31.33 to $42.45 at 7.99% to 29.99% APR, per $1,000 borrowed. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.