Mattress Financing Factory Mattress gives you the flexibility to finance for your in-store purchases through Wells Fargo, Koalafi, or Snap Finance. Apply today for mattress financing and pay over time. It’s never been easier to buy a great mattress today. Apply Online with Koalafi (No credit needed with Koalafi*) Apply Online with Snap Finance (No credit needed with Snap Finance) *We do perform a credit check on the customer as a part of our application process. “No Credit Needed” does not imply no credit check. The Factory Mattress Advantage 366 Night GuaranteeRest assured you’ll sleep comfortably with your Factory Mattress purchase for up to 366 nights or we will gladly allow you to select another set of equal or greater value. Low Price GuaranteeYou can feel confident you’re getting the lowest possible price on your choice. That’s because we monitor specials and pricing from other stores so you don’t have to!* *See store for details. Express DeliveryWhy wait to get your discount mattress when Factory Mattress will deliver it to you? We offer express on time delivery and exclusive red carpet delivery service.