Up to 0% APR Financing


Rest Easy With Luma's Buy Now Pay Later Financing Plan

As low as $25/mo with 0% APR**

Affirm offers instant, personalized financing at checkout. See financing details for more information ‡

How does Luma Sleep's financing work?



Additional promotional offers may be available with different credit products. ‡

Subject to credit check and approval. Rates from 0-30% APR. Down payment may be required. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey-chartered bank, Member FDIC. See affirm.com/faqs for details.

*At 18 months for a $599 mattress. A down payment may be required. **At 18 months for a $1099 mattress. A down payment may be required.

Financing FAQs

1. What happens if I don’t qualify for the advertised offer from Affirm?

If you do not qualify for the advertised offer from Affirm, you may be presented with a subsequent offer (subject to credit approval) that can be used to complete the purchase. Affirm works with multiple financing providers to present you with financing solutions that best fit your needs. If approved, you will be presented with the offer(s) for which you qualify. If multiple offers are presented, you can choose the offer that best fits your needs.

2. Which financing providers work with Affirm from & Luma Sleep?

Affirm works with multiple financing providers. Affirm is the primary financing provider and they are the bank behind the advertised offer presented. If you are not approved for this offer, you may be presented with different offers from the other financing providers, pending credit approval.

3. How do I pay my bill?

Each financing provider has their own payment process. See card or terms for details. All payments are made to the issuing provider of the offer you select.

4. If I approved, what happens next?

You’ll have the opportunity to accept or decline the offer. If you accept the offer, additional information and terms will be provided to you and you can proceed to complete the purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.


Additional offers may be available that are not listed above. Subject to credit approval by each financing provider.

0% APR for up to 24 Months* (Affirm):

*No interest will be charged and equal monthly payments are required on the promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval via Affrim. We reserve the right to discontinue or alter the terms of this offer any time.

Revolving Line of Credit, Special Financing Program

Available (Affirm Retail Credit): No Interest if Paid in Full within 12 Months. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments are required. Required monthly payments may or may not pay off your purchase before the end of the promotional period at an APR of 35.99%. The minimum monthly payment amount shown on your billing statement is required to keep your account current and to keep your special financing option available to you. The Deferred Interest Notice on your billing statement will show the amount of Deferred Interest Charges accumulated to date. To avoid paying the Deferred Interest Charges, you must pay the promotional purchase in full within the promotional period.

Lease-To-Own Financing Affirm offers lease-to-own financing for purchases up to $3,500, subject to approval by Affirm. Affirm is currently available in 46 states and Washington D.C. and not available in Minnesota, New Jersey, Wisconsin, and Wyoming.