Mattress Financing National Mattresses
Yes — you can buy a mattress now and pay later at National Mattress. We offer mattress financing in Canada through PayPal Pay Later: choose PayPal at checkout and split eligible orders from $30 to $1,500 into 4 interest-free payments. No interest, no sign-up fee, no late fees — you see the exact plan before you confirm anything.
How mattress financing works at National Mattress
Add your mattress to the cart
Mattresses, boxsprings, frames, and accessories on nationalmattress.ca qualify, including open-box clearance.
Choose PayPal at checkout
Our checkout runs on Adobe Commerce payment services with PayPal built in. Select PayPal, then pick Pay Later when PayPal shows your payment options.
Split your total into 4 interest-free payments
The first payment is due at purchase and the remaining three are collected automatically every two weeks. Your mattress ships on the normal delivery schedule — you don’t wait until it’s paid off.
PayPal shows your eligibility and full payment schedule at checkout before you confirm, so you always see the plan — and the $0 in interest — before you commit. Pay it off early any time, free.
Is there really “no credit check” mattress financing?
Honest answer: no real instalment plan in Canada skips eligibility checks entirely, so be cautious of anyone advertising it. With PayPal Pay Later, approval is quick and handled by PayPal right at checkout, with no obligation — you can look at your options and walk away. If you’d rather skip financing altogether, our budget-friendly mattress range and open-box deals keep quality sleep affordable without a plan.
What you can finance
Most mattresses on our floor
The $30–$1,500 Pay in 4 window covers the majority of queens and kings we sell, from Springwall (from $179) and Sealy (from $304) to Serta (from $417) and Beautyrest (from $567), plus open-box clearance.
Your whole bedroom cart
Boxsprings, adjustable bases, frames, pillows and protectors — one plan covers the full cart when the total is eligible.
Bigger orders
Carts over $1,500 (Tempur-Pedic, Stearns & Foster, full bedroom setups) can be paid by credit card, PayPal, Apple Pay or Google Pay at checkout as usual.
Delivery included as normal
Financing doesn’t change delivery timing, and our regular sleep-trial coverage applies exactly as it would on a card purchase.
Mattress financing FAQs
Can I buy a mattress now and pay later in Canada?
Yes. At National Mattress you can split eligible online orders ($30–$1,500) into 4 interest-free payments with PayPal Pay Later — select PayPal at checkout and choose Pay Later when your payment options appear. Your order ships on the normal schedule while you pay it off.
Does mattress financing require a credit check?
PayPal handles eligibility instantly at checkout with no obligation — you can view your options before deciding anything. PayPal presents its current terms, including any credit-related details, right when you choose Pay Later.
Is there interest or hidden fees?
PayPal Pay in 4 is interest-free with no sign-up fee and no late fees. You pay exactly the price on the site, split into four — and you can repay early at no charge.
What happens if I return my mattress during the sleep trial?
Returns and exchanges work the same as any other order — our normal sleep-trial and exchange policies apply. Any refund is issued back through PayPal, which applies it against your remaining payments.
Is there a minimum or maximum order for financing?
PayPal Pay in 4 currently covers orders from $30 to $1,500 CAD. Add your mattress to the cart, choose PayPal, and you’ll see instantly whether Pay Later is available for your total and exactly what the 4 payments would be.
Ready to sleep on it — literally?
Shop online with PayPal Pay Later and your first night comes weeks before your last payment — or visit one of our seven Ontario showrooms to try before you buy.
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