Is a credit check required?
How many months can I finance?
Ongoing Line of Credit
12 months for purchases under $1000, 18 months for purchases over $1000
Up to 18 months
How long does approval take?
When is my first payment?
30 days
30 days
$45 at Checkout
What if I return the mattress?
Seller issues refund for up to 100 days. Typically shows on statement in 3 - 5 days
Refunds available for returns processed within 100 days.
Seller issues refund for up to 100 days. Typically shows on statement in 3 - 5 days
How are payments made?
Online, AutoPay, Check
Auto-withdrawn from debit or credit card

Purchases of $99+

No Interest if paid in full in 6 months on purchases of $99 or more.

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
  • For New Accounts: Variable Purchase APR is 25.49%. The APR is accurate as of 4/1/2018 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.
  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

As low as 0% apr financing with Affirm

SleepChoices and Affirm have teamed up to provide a range of financing options on your order.

Quick and easy

Enter a few pieces of information for a real-time decision. Checking your eligibility won’t affect your credit score.

Flexible Payments

Pay your monthly bill using a bank transfer, check or debit card at

Alternative financing for people with low and evolving credit

With Zibby’s lease-to-own program, you can lease the things you want today and pay for it over time. Best of all, you will only pay $45 today at checkout (plus delivery, taxes and any non leasable items). Even better, pay the same as the cash price if you buy it out within the first 90 days (plus the $45 first payment). Applying takes less than a minute and it won’t impact your FICO score!

Get Pre-approved

Complete Zibby’s quick application by clicking the button below and receive an instant decision.

Go Shopping!

Select the items you want within your Zibby spending limit.

Checkout with Zibby

Zibby buys the items you want and leases them to you by setting you up on recurring payments.

Pay over time

Plus, if you pay off your items within the first 90 days, you’ll pay the same as you would have from day one (plus the $45 first payment).

After Checkout

Snuz will ship your order and send you a confirmation email with tracking information. Zibby will also email you a copy of your lease agreement and will remind you of your upcoming payments.

Have a question?

Zibby and Snuz are always available to help. Check out Zibby’s FAQ or call (833) HiZibby (449-4229).


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