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Financing Options

Mattress Doctor Lafayette offers 100 day same as cash no credit needed financing, 12 months interest free financing, and layaway options.

90-100 Day Cash Payoff Options: (No credit needed)

How does it work?

All that is needed is an active checking account and to earn at least $800-$1000 in income per month. Put down between $39-$55 dollars and take it home that day. You have between 90-100 days to pay it off (depending on which company you apply with), with no interest charges.


#: 1

Finance Company: Acima Credit

Terms: 90 Day Cash Payoff

Initial Payment: $50 (Does not go towards your final balance and does not have to be paid upfront.)

Credit Reporting: This option DOES report to the Experian credit bureau, which is awesome as most of the 90-100 day options will not report & help your credit.

Requirements:

  1. Own an active checking account, which has been open for least 90 days. A handful of online bank accounts may be accepted, however it must have a checking account number & a routing number. Note: It is a very small percentage of META banks which will actually be accepted.
  2. Be employed OR have a steady income of over $800 for the previous 90 days.

How to apply? Click the following link to fill out an application online: http://www.bit.ly/MattressDoctorLafayette

Give us a call or send a text to (337) 761-6323 with your cellphone number, as soon as it’s received we will text over an application to your cellphone. Alternatively, you can come in store to complete an application!

Company Website: http://www.acimacredit.com/

Customer Support #: 1 (801) 297-1982


#: 2

Finance Company: Snap Finance

Terms: 100 Day Cash Payoff

Initial Payment: $39 (Does not go towards your final balance)

Requirements:

  1. Own an active checking account, which has been open for least 90 days. (Online META banks are not accepted, traditional checking accounts is what they are looking for.)
  2. Be employed OR have a steady income of over $1000 for the previous 90 days.

How to apply? Click the link below! Call or send a text to (337) 761-6323 with your cellphone number, as soon as it’s received we will text over an application to your cellphone. Alternatively, you can come in store to complete an application!

Apply for this option online: https://snapfinance.com/snap-merchants/mattress-doctor-lafayette/490234922

Customer Support #: 1 (877) 557-3769

Approval in a Snap with No Credit Needed @ Snap Finance

#: 2

Finance Company: West Creek

Terms: 90 Day Cash Payoff

Initial Payment: $55 (Does not go towards your final balance and does not have to be paid upfront.)

Requirements:

  1. Own an active checking account, which has been open for least 90 days. (Online META banks are not accepted, traditional checking accounts is what they are looking for.)
  2. Be employed OR have a steady income of over $1000 for the previous 90 days.

How to apply? Give us a call or send a text to (337) 761-6323 with your cellphone number, as soon as it’s received we will text over an application to your cellphone. Alternatively, you can come in store to complete an application!

What will I need to complete the application? You will need a copy of your drivers license ID #, routing number to your checking account, and the checking account number itself. May ask for a debit/credit card as well, to process a small transaction to ensure the account is not overdrawn & does have funds available.

Company Website: http://www.westcreekfin.com/

Customer Support #: 1 (844) 238-6500


NOTE: Unfortunately, most 90-100 day options are not designed to build credit, except for Acima credit they are the only ones who will report! The lease term is too short to report to the credit bureau. While these options are no credit needed, they do require a soft pull credit check. This is not a hard inquiry and won’t become visible on your credit report under recent hard inquiries. These plans are NOT recommended to be paid off over the course of the entire lease term, as they will result in large interest rates (Often, about double the original purchase price).


0% Interest for 6-36 Months: (Credit Check Required)

How does it work?

For no interest for 6-12+ months, an application will require a credit check and a decent credit score. It offers 12-18 months interest free financing. No hidden charges. Great option for anyone making a larger purchase & looking to pay it off over a longer period of time. Come by our showroom to get started.

What companies do you use?

  • Synchrony Financial
  • Tower Loan

How to apply? Synchrony can be applied for online. Tower Loan applications must be done instore.


Additional Financing Options with No 3rd Parties:

Layaway option:

How does it work?

Put 15-25% of the purchase price down and we will hold the merchandise for 90 days with no further payments. Pay it off when your ready to have it delivered or picked up. This option is great for anyone looking to cash in on our amazing limited time offers.

Youngsville, LA Mattresses on Sale @ Mattress Doctor Lafayette
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