Flexible payment plans for better sleep
Yawnder and Affirm have teamed up to offer financing as low as 0% APR on qualifying purchases. Buy the mattress you actually want today and split it into simple monthly payments — online or in our San Diego showroom.
Quick decision · No hidden fees · No late fees
How it works
Three steps, a real-time decision, and no paperwork to mail in.
Fill your cart
Choose “Affirm – Pay Over Time” at checkout, then enter a few pieces of information for a real-time decision.
Choose how you pay
Pick the monthly payment plan that fits your budget. You’ll never pay more than you agree to up front.
Pay over time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders along the way.
What your monthly payment could look like
Sample estimates at 0% APR over 18 months. Your actual rate and term depend on creditworthiness and purchase amount.
| Purchase price | 12 months | 18 months | 24 months |
|---|---|---|---|
| $999 | $84/mo | $56/mo | $42/mo |
| $1,499 | $125/mo | $84/mo | $63/mo |
| $2,499 | $209/mo | $139/mo | $105/mo |
| $3,999 | $334/mo | $223/mo | $167/mo |
More ways to pay at Yawnder
HSA / FSA eligible
Many sleep products at Yawnder qualify for tax-free HSA and FSA dollars through our Flex partner. If your purchase is eligible, you’ll see the option at checkout.
- Use pre-tax dollars on qualifying items
- Instant eligibility check at checkout
- Works alongside current promotions
Save 10% with Yawnder Verify
Military, first responders, teachers, nurses, students and government employees save 10% when they verify their status — and you can still finance the balance with Affirm.
- Verification takes under a minute
- Stacks with financing
- Available online and in the showroom
Financing FAQs
Will applying affect my credit score?
Checking your eligibility with Affirm won’t affect your credit score. If you choose a plan and complete your purchase, Affirm may report the loan to a credit bureau.
Are there any hidden fees?
No. Affirm never charges late fees, service fees, prepayment fees, or any hidden fees. You’ll see the exact total you owe before you confirm.
Can I pay my loan off early?
Yes. You can pay off your balance at any time with no penalty, and you won’t owe any remaining unpaid interest on 0% APR plans.
Can I use financing in the San Diego showroom?
Yes. Visit us at 1441 Encinitas Blvd, Encinitas, CA 92024 and our team can set up your Affirm plan in-store the same way it works online.
What happens to my payments if I return my mattress?
Once your return is processed, Yawnder issues the refund to Affirm and your remaining balance is adjusted accordingly. Interest already paid is non-refundable.
Is there a minimum purchase amount?
For purchases under $150, only limited payment options are available. Larger purchases unlock longer terms of 12, 18, 24, or 36 months.
Ready to sleep on it — and pay over time?
Browse the lineup online or come try everything in person at our Encinitas showroom. Financing is available either way.
*Subject to credit check and approval. Rates from 0% APR or 10–36% APR over 12, 18, 24, or 36 months based on creditworthiness and purchase amount. Monthly payment examples above are estimates based on 0% APR and exclude taxes and shipping fees. Paid interest is non-refundable. In cases of partial approval, a down payment may be required. For purchases under $150, limited payment options are available. Offer subject to change at any time. Previous purchases are ineligible. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. See affirm.com/faqs for details.