Mattress Firm is the largest specialty mattress retailer in the United States and one of Progressive Leasing's flagship partners in the mattress category. If you need a new mattress but don't want to (or can't) put the full amount on a credit card, Progressive Leasing at Mattress Firm provides an accessible lease-to-own path with the same 90-day early purchase option that applies across the Progressive Leasing program.
What You Can Lease at Mattress Firm
Mattress Firm's The lease-to-own program coverage includes:
- Innerspring mattresses from brands like Sealy, Serta, and Simmons
- Memory foam mattresses from brands like Tempur-Pedic, Nectar, Purple, and Sleepy's
- Hybrid mattresses combining coils and foam layers
- Adjustable bases — power-adjustable bed bases with head-and-foot articulation
- Bedding accessories: Pillows, mattress protectors, sheet sets, and comforters (when purchased with a mattress)
- Bed frames and platform bases
The program at Mattress Firm covers all standard mattress sizes: twin, twin XL, full, queen, king, and California king.
How to Apply at Mattress Firm
In-store application
The typical path at Mattress Firm is to visit a store, try mattresses with a sleep consultant, then apply for Progressive at checkout. The Mattress Firm associate can initiate the application at the point of sale.
Online at MattressFirm.com
The provider may be available at MattressFirm.com's checkout. If offered, select It at the payment step and complete the application within the checkout flow.
Pre-apply
Apply at progleasing.com or through the The company mobile app, selecting Mattress Firm as your retailer. Get pre-approved and know your spending limit before visiting the store.
Mattress Firm's 120-Night Sleep Trial
Mattress Firm offers a 120-night sleep trial on qualifying mattresses. This trial works alongside your The LTO program lease. If the mattress doesn't work for you during the trial period, you can return or exchange it — but you need to coordinate with The service, not just with Mattress Firm.
The typical process for a sleep trial return with The lease-to-own program:
- Contact The program customer service to notify them of the intended trial return
- Coordinate the return or exchange through Mattress Firm's standard trial process
- Progressive will close out or adjust your lease based on the return outcome
- If exchanging for a different mattress, a new lease may be required for the replacement
Cost Example: Queen Mattress with Adjustable Base
Assume you're purchasing a $1,800 queen memory foam mattress + adjustable base package at Mattress Firm using The provider:
| Payoff Path | Approximate Total Cost |
|---|---|
| 90-day early purchase | ~$1,890 (about 5% above cash price) |
| 6-month early purchase | ~$2,340 |
| 12-month standard term | ~$3,060+ |
Illustrative only. Your actual amounts are disclosed in your It lease agreement.
Mattress Firm Financing Alternatives
Mattress Firm also offers a Mattress Firm Preferred Account (issued by Synchrony) that provides promotional 0% APR financing on qualifying purchases. If you qualify for the Preferred Account and can pay off during the promotional window, that's typically cheaper than The company. Progressive Leasing is the alternative for shoppers who don't qualify for the Synchrony account or need a lease-to-own structure.
Mattress-Specific Tips
- Shop during Mattress Firm sales. The retailer runs frequent promotions. The lower the cash price, the lower your Progressive Leasing payments and 90-day payoff.
- Ask about old mattress removal. Confirm whether haul-away of your old mattress is included in the Progressive Leasing amount or billed separately.
- Confirm delivery is included. White-glove delivery is often included at Mattress Firm; confirm before signing.
- Understand the sleep trial before you sign. Know the return process so you're not caught off guard if you need to exchange the mattress.
- Plan your 90-day payoff from day one. A $1,800 mattress requires about $600/month for 3 months to hit the 90-day option. Set up automatic transfers immediately.