What to expect when you finance

Sleep Number has partnered with Synchrony Bank to bring you financing that lets you pay for your bed over time. If you’ve chosen to finance your Sleep Number® bed, here's what you can expect in the weeks following your purchase.

If you’re thinking about financing, review our latest financing offers, and apply here. 

1. After you apply for financing you'll receive a decision right away. If you're approved you'll receive your credit limit and financing code, allowing you to purchase before your credit card arrives in the mail. 

2. Your new card will arrive in the mail 7-10 days after you are approved for financing.

3. Your first bill will arrive within 30 days of delivery of your new product. 

The terms of your financing begin the day your products are delivered to your home—not from the day of purchase. If you purchased multiple products on the same day, like sheets and a bed, but the delivery of those products is staggered, your terms will also be different.
Your monthly bill will show a summary of what you purchased, any interest rate promotions you're receiving, and when those promotions expire—just so you're informed.

4. You can make payments through the mail, online by visiting www.mysynchrony.com or by calling 1-800-250-5411. Your payment due date will always be listed on your bill from Synchrony Bank.

Synchrony Bank will process your payments and be your main point of contact for any questions you have about your bill.

5. Be sure to make your monthly payments until your purchases are paid off. If you like, you can pay down your balance sooner without penalty.


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