We can help you purchase with no credit needed!

We’re here to help! Get Pre-Approved before you shop or visit your local Factory Direct Mattress store to find out more! Choose an option that best suites you!

0% Financing Options Apply in Store

No Credit Check, $29 Initial Payment, 101 Day Payment Option (Same as Cash). Subject to Approval.


Text “Apply” to 41806 to apply today!

To purchase any of our products on layaway, we simply require a 10% down payment. All layaway orders need to be completed within a 90-day timeframe. There is no payment schedule.

Why Buy fromFactory Direct?

Watch to find out!


Went in and the sales staff was knowledgeable and helpful. They found out what my needs were, and I walked out with a new mattress set in less than an hour.

Austin Packard

Love my new mattress. They did a fantastic job explaining the different types of mattress and helping us select our new bed. The delivery crew was great as well - polite and efficient! I would highly recommend shopping for your next mattress at Factory Direct.

Alan Jones

Factory Direct Mattress is the best place to get the perfect mattress for you.

Tom Johnson

We had the best experience at the Factory Direct Mattress store. Thank you for the best service ever!

Janice and Tom


Shop Now

Adjustable Power Bases

Shop Now


Shop Now
Learn more