Mattress Financing Solutions for Retail Stores

Help Your Customers Finance a Mattress or adjustable bed with Low Monthly Payments

We all need rest, and the mattresses you sell offer the supreme quality and comfort consumers want. You can now make their shopping process more rewarding and less financially stressful. When you partner with UCFS, a leading provider of retail sales financing, you can help your customers decide on the best mattress for their sleep and comfort needs and offer an advantageous financing option that fits their budget.

Mattress Financing via United Consumer Financial Services



How Mattress and Adjustable Bed Financing Works with UCFS

  • As a mattress retailer, you can sign up to become a business that offers UCFS financing options to customers – registering your business with UCFS is fast, easy and free.
  • Once you’ve completed the UCFS Merchant Agreement forms, they are processed in just two to three business days.
  • When registration is complete, your business can immediately start offering mattress financing to consumers.
  • If a customer is interested in the mattress financing options, you can guide them through an easy online (or paper) credit application.
  • Within minutes, you’ll be notified if the credit application was approved, and the approval easily converts to a contract.
  • Your customers will begin repayment of the financed amount to UCFS after 30 days.
  • UCFS will promptly fund your business once the sale is complete.

Benefits for Your Customers

  • Customers benefit from UCFS’ fast, friendly service and easy application process for credit approval within minutes for same-day purchases.
  • Customers’ monthly payments are reasonable and work with most budgets, including no-interest, same-as-cash options.
  • Customers can purchase the mattress they want now and pay it off over time – in a few years or less with fixed, low monthly payments for 12, 18, 24, 36 or 48 months.
  • Customers’ payments are spread out over a set length of time and are easier to manage, compared to a large lump sum.
  • Customers have access to a simple, full-service website for account management and payments.
  • Customers have an online autopay option for bank or debit/credit cards.
  • Customers never receive a penalty for early payoff.

What We Can Do for You

You know better than anyone – the mattress market is highly competitive and constantly changing. Because not every consumer who wants a new bed will have the cash to finance a mattress, they’re constantly looking for mattress stores that finance. It’s time to set your business and store apart by offering an easy and straightforward mattress financing solution. With a high percentage of applicants approved and the capability to finance amounts of $1,000 to $10,000, our financing solutions are designed to act in the best interest of your customers and your business.


Benefits for Your Business

  • Your mattress business will benefit from zero registration, setup or monthly fees when you partner with UCFS.
  • Your business will grow through improved cash flow for your business.
  • Your business will see increased sales with a payment method that offers improved convenience and access to your products.
  • Your business can offer fast customer approval for same-day purchases.
  • Your business can finance amounts of $1,000 to $10,000.
  • Your business benefits from co-branding options on informational materials for your mattress financing options (like brochures).
  • UCFS handles the financials so you can focus on moving your business forward.

While mattresses are essential to a well-rested night, they’re also a big investment. Financing is an ideal method of payment for both consumers and sellers. With the mattress financing options offered by UCFS, you don’t have to leave customers without options and can show every potential customer that your products come attached to an easy and affordable financing option.

Learn how offering consumer financing can help your business grow.

Give us a call at 877-373-3482 or fill out the form below.

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