Buy Now, Pay Over time

Make monthly payments for your purchase with no hidden fees.

Simplify your life

Your money's at hand with Everyday Checking

Buy now, pay over time

No Interest if paid in full within 6 months

Pay anyone, anywhere

The trusted and convenient way to pay

No Credit Required.

The power to get what you need. Applying is simple – for real.

New way to pay.

We split the payments, you control the rest.

How does Luma Sleep's financing work?

1. Select Your Mattress

Pick any Luma mattress and pay over 6, 12, or 18 months for as low as 0% APR with no hidden fees.

2. Qualify with Affirm

Pre-qualify or select "Pay with Affirm" at checkout, provide the required information, and get a decision in real-time.

3. Sleep, Happy

With our 100-night mattress trial, get better sleep and pay your monthly bill at affirm.com/pay