What to Expect, When You’ll Be Billed, and How to Pay
Sleep Number partners with Synchrony Bank to offer financing that lets you pay over time.
Quick answers
How do I make a payment?
You can make a payment:
- online at mysynchrony.com
- by mail
- or by calling 1-800-250-5411
When will I get my card?
If you’re approved, your card should arrive 7–10 days after approval.
When will my first bill arrive?
Your first bill should arrive within 30 days of delivery.
What happens after I apply?
1. You’ll get a decision right away
If you’re approved, you’ll receive your credit limit and financing code so you can complete your purchase before your card arrives in the mail.
2. Your card will arrive by mail
Your new card should arrive 7–10 days after approval.
3. Billing starts after delivery
Your financing terms begin on the day your products are delivered to your home, not the day you made the purchase.
If you bought more than one item on the same day and those items arrive on different dates, your financing terms may begin on different dates too.
4. Your first bill will follow
Your first bill will arrive within 30 days of delivery. It will show a summary of what you purchased, any promotional financing details, and when those promotions expire.
5. Make monthly payments until your balance is paid off
You should continue making monthly payments until your purchases are fully paid off. You can also pay your balance down sooner without penalty.
How to pay your bill
You can make payments through Synchrony Bank, which manages your account and billing.
Use one of these options:
- Online: mysynchrony.com
- Phone: 1-800-250-5411
- Mail: Follow the payment instructions on your billing statement
Common questions
I haven’t received my first bill yet. What should I do?
Your first bill should arrive within 30 days after delivery.
If it has been longer than that, check your account at mysynchrony.com or call 1-800-250-5411.
How do I access my financing account?
You can manage your account through mysynchrony.com. Synchrony is the main point of contact for billing and payment questions.
Can I pay off my financing early?
Yes. You can pay down your balance sooner without penalty.
Who should I contact with billing questions?
For billing, statements, due dates, and payments, contact Synchrony Bank.