Finance your way
0% APR for 60 Months1
Purple offers multiple flexible financing options to fit your needs. Check if you prequalify without affecting your credit score.
Buy now, pay over time
How it works
No interest if paid in full
within 6 or 12 months
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.2
| Number of Months | Minimum cart size |
|---|---|
|
6
|
$249
|
|
12
|
$999
|
Purple credit card financing questions
The Purple credit card is a revolving line of credit that gives you the ability to buy now and pay over time with convenient monthly payments. It can be used for multiple purchases as long as the account remains open and there is sufficient amount of available credit to cover your purchase.
Checking to see if you are prequalified is considered a “soft pull” and does not impact your credit score. However, if you are prequalified for an account and you decide to move forward with the full credit application, a hard credit inquiry will be performed, which can impact your credit score.
Prequalification is a fast and convenient way to see if you qualify for the Purple credit card. By submitting just a few pieces of information, you will receive a quick decision without affecting your credit score.
Yes, the Purple credit card is a revolving line of credit and can be used for multiple purchases as long as the account remains open and there is available credit.
For a prequalification, Wells Fargo will conduct a soft pull on your credit using limited information provided by you to see if you have a prequalified offer available and how much you may qualify for, without impacting your credit score. In contrast, Wells Fargo will conduct a hard pull on your credit if you fill out an application and you will be required to provide more information such as your income and housing status. If approved, this line of credit is available for use immediately to place an order.
The Purple credit card, issued by Wells Fargo, N.A. is a revolving line of credit that can be used for purchases as long as the account remains open and there is sufficient amount of available credit to cover your purchase. After a purchase is charged to the account your available credit line decreases by the charged amount. As you pay down the balance, your available credit line increases, up to your approved credit limit.
An account with a $0 balance will remain open for 18 months. After approximately 18 months of inactivity, our lenders may close the account. You may reapply for a new account if your account is closed.
Yes, you may pay your outstanding balance in full at any time without fees.
General financing questions
WellsFargo, Concura Credit and Acima
Of course! Whether you choose to finance or not, you can still rest easy knowing you have a 100-night trial. If you do choose to return, you’ll be refunded for the payments you’ve made, minus any interest that has accrued.
With one single application, we will match you with the offers available to you from our providers.
We recommend sleeping on your mattress for at least 21 nights, as it takes some time to adjust. If you’re still unsatisfied, call 888-848-2305 to speak with one of our specialists and initiate the return process.
As low as 0% APR
Get your dream sleep with affordable financing options through Affirm, which lets you pay off a new line of credit over time.
- Conventional loan starting at 0% APR
- Choose from 6, 12, 18, 24, 36, and 48 month payment plans
- Quick + easy pre-qualification
- Checking eligibility will not affect your credit score
*0% APR available to qualified customers. Other financing terms might be available. See below.
About Your Rate
Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. For example, a $1000 purchase might cost $90.26/mo over 12 months at 15% APR. Payment options through Affirm are provided by these lending partners: Affirm's lending partners. Options depend on your purchase amount, and a down payment may be required.
Frequently Asked Questions
Affirm will do a soft credit check to see what financing options you’re eligible for.
A down payment may be required. Subject to eligibility check and approval. Payment options depend on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Actual terms may vary. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Visit affirm.com/help for more info.
Affirm has a soft credit check so your credit won’t be affected. Late or missed payments can affect your credit score.
Of course! Whether you choose to finance or not, you can still rest easy knowing you have a 100-night trial. If you do choose to return, you’ll be refunded for the payments you’ve made, minus any interest that has accrued.
We recommend sleeping on your mattress for at least 21 nights, as it takes some time to adjust. If you’re still unsatisfied, call 888-848-2305 to speak with one of our specialists and initiate the return process.
Find your perfect mattress
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Our Sleep Geniuses are here to answer questions and help you find your dream mattress.
Minimum purchase of $3699 required for 36 months. 1The Purple credit card is issued by Wells Fargo Bank, N.A. Special terms for 24 months apply to qualifying purchase of $2,999, 36 months apply to qualifying purchases of $3,699, 48 months apply to qualifying purchases of $4,999, 60 months apply to qualifying purchases of $7,999 with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 05/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.
2The Purple credit card is issued by Wells Fargo Bank, N.A. Special terms for 6 months apply to qualifying purchases of $240, 12 months apply to qualifying purchases of $999 charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional (special terms) period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 05/01/2024 and is subject to change. For current information, call us at 1-800-431-5921.