Bad Credit Mattress Financing at 0% APR + Up to 5 Year Payment Plan

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GhostBed Mattresses is offering the best financing for low to no credit shoppers now through December 3rd   

Let’s face it, mattresses are SO expensive.  When you read the tweets on social media. All you hear are complaints when people go mattress shopping and realize just how expensive a new mattress can be.  Then you start to wonder why there are more mattress stores then Starbucks coffee shops.  

People start to wonder: Just how do all these mattress stores stay in business? Its not like everybody buys a mattress at the same rate that they need a daily caffeine hit.  

So, then shoppers start to look online at Amazon to check out those under $500 mattresses.  Sure, they are cheap but can be sketchy as you can see; they are made abroad and you just don’t know what they used to fill that mattress that you’re resting your body on for 8 plus hours a day.  

If you go this route, you may save some money in the short term, a consideration if you have credit issues or don’t feel you can afford something higher priced.  But really investing in sleep is important — it’s what gives you the energy to make your day successfully. Yet it can be a challenge for some to afford a mattress that will actually last and give you the deep sleep that you truly need.  

That’s where our friends at GhostBed step in. It’s a 5th generation family business that truly cares about delivering a luxury mattress at a more affordable price.  When you compare to Casper, Purple, Sealy and Tempur-Pedic, you’re getting the same level of quality but in some cases at 30 to 50 percent of the price of walking into a mattress store to purchase.  

Now we’ve heard that GhostBed has got a sweet deal with Affirm to make buying a mattress and adjustable base an affordable solution.  

5 Years = 60 Months 0% APR  

Yes, that’s the deal. It’s like getting an energy savings loan to buy that furnace or windows or other home improvement project that you have put off for ages.  Now you can afford the simple pleasure of a 5-star hotel mattress and have up to 5 years to pay. That’s 60 months of a super low payment plan with zero percent interest.  

GhostBed already offers up to 2 years 0% APR but this new deal is available now through November 15th, 2021.  

You have two options:  

$3k+ minimum purchase = 4 years 0% APR  

Average bundle is just over 3k to qualify and still get a sweet deal for 40% off.  

 $4k+ minimum purchase = 5-year 0% APR  

If you add that adjustable base and look at a king mattress and bundle with accessories, it’s not too far off from that minimum purchase, and yet you’re still saving compared to similar models from leading brands that would cost you around $7,000 or more.  

Don’t Wait Buy Now! Supply Shortages  

Before you think about waiting for Black Friday deals, remember we’ve still got a pandemic going on. So the best deals are available now while supply last.  

GhostBed ships in 24 hours and has inventory in stock! Other brands are struggling.   

GhostBed by Nature’s Sleep has 20 years in the wholesale business and has helped to manage supply chains and strong connections with factories to stay in stock. Here’s a message to talk about their promise for fast shipping from its founder Marc Werner (as in Werner Ladder). So, they have a history as a 5th generation family business to stay on top of supply-chain logistics when the world otherwise seems to be at a standstill for product movement these days.  

Plus, GhostBed ships from 15 locations, which allows them to have bulk items arrive in 2 to 5 days via Fedex. Or you can pick WhiteGlove delivery and not have to worry about a thing with complete set up and mattress removal for just an extra $99 to $199.

While the company has been around for 20 years, the GhostBed brand was one of the first mattress-in-a-box brand, now celebrating its 6th birthday (on Halloween no less).  

Now at &  

30% Off USA-Made Mattresses + 2 Free Luxury Pillows (a $190 Value)  


40% Off Adjustable Base Bundles  


25% Off Adjustable Bases, All-In-One-Foundation, GhostSheets, GhostProtectors, GhostBed Memory Foam Topper Protector All-In-One & 100% Mulberry Silk Pillowcases  

Ghost Smart Bed 3D Matrix – Up to $2,000 Off + 2 Free Luxury Pillows (a $190 Value)  

*Promo will run until 11/2/21.  

If you’re still in doubt, well, we did the research and checked out a ton of brands like Purple, Mattress Firm, Casper, Lessa, Nectar, Helix, Layla, and Mattress King,  

This really is the best deal — 0% APR for 2 years to 5 years to pay.  

Rent-to-own stores prey on folks with bad credit with limited options. Sure, businesses like this can get you approved, but the reality is that you’ll be paying about double the cost if you had the money to pay today. Plus you don’t have to open a another credit card that you don’t need. Now with 0% APR you can afford luxury quality sleep.  

Low Credit – No Credit   

 Affordable Luxury for Low to NO Credit.  

Now nothing in life is guaranteed. But this deal is about to make your better bedroom sleep environment happen.  

If you have poor credit, or no credit, it’s really worth giving GhostBed a shot to check out with Affirm. It only take 2 minutes to apply to find out if you qualify.  

It’s a real deal you get the same 0% apr offer for a great quality mattress.  

Overall, it’s the best deal we have seen for 0% APR with a fair price from a small family business that puts pride into its American and Canada made mattresses.  Check it out, add a few items to your shopping cart and you’ll see the monthly payments with Affirm. You’ll be surprised at just how affordable your monthly 0% payments could be!   

Here are some examples of the mattresses and bundles you could get:  

GhostBed Split King Adjustable Set  

  • Infinite ergonomic positions, including zero gravity 

  • 15 whisper-quiet massage modes 

  • Under-bed LED lighting, four USB ports and two wireless remotes 


As you can see, this deal is just $67 per month with 0% APR and 40% off savings with the GhostBed Luxe – the coolest mattress and adjustable base bundle.   

GhostBed Adjustable Base Combo Bundle  

  • Exceptional quality at an affordable price 

  • Infinite ergonomic positions, including zero gravity 

  • 15 whisper-quiet massage modes 

  • Under-bed LED lighting, two USB ports and wireless remote 

  • Adjustable Base works with any mattress types 


  • People who snore 

  • Relief from back pain 

The King mattress with GhostBed 3D Matrix and adjustable Base compo at 40% OFF is just $77 with 4 years to pay off at 0% APR with Affirm financing.   

Ghost SmartBed – 3D Matrix® 

Smart Mattress Tech & Patented Cooling 

Ghost SmartBed is a high-tech mattress for deep sleep. Here you can get the Queen mattress for just $117 per month with 0% APR for 5 years  

So, plenty of options from mattresses around $800 to $1500 plus amazing accessories.  Check out GhostBed. Add a few things to cart and find an affordable plan that meets your budget!  

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