Mattress Financing

Sleep Sooner and Pay Later

Lull offers two convenient ways to purchase your new mattress:

Pay with a credit card or quick and easy mattress financing allowing you to pay over time

Lull helps you get your new bed on finance with only a quick credit check. As low as 0% APR and as short as 6 months or up to 24 months payment plans are available depending on credit-worthiness. For example, on an $800 purchase, pay as low as $33/month for 24 months at 0% APR. A down payment may be required.

Lull and Affirm have partnered to help
you finance your new Lull Mattress

Affirm is a financing alternative to credit cards and other credit payment products, offering real-time approval decisions for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in easy, fixed monthly installments up to 24 months, you decide.

  • Residents of West Virginia and Iowa are not able to participate in Affirm financing due to state law.

Pay Over Time, On Your Terms

Affirm offers easy financing — without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

You can make your payments by debit card, bank transfer, or check.

Affirm offers as low as 0% APR based on your creditworthiness. The application process is simple, mobile-friendly, and secure.

Simple Process

The application process begins at the payment step of the Lull checkout process. See below for examples of the application process.

Get a real-time approval decision within minutes, not days! You’ll receive confirmation and reminders via email and text message.

The Affirm financing process is mobile-friendly and safe & secure to prevent unauthorized use and to protect your personal information.

How to Pay with Affirm

Select Affirm

At the payment page select Affirm as your payment option, and then click 'Continue'

You will be directed to the secure Affirm process.

Enter Your Info

In order to process your request for financing, Affirm requires you to answer 5 simple questions about you: Your full name, your email, your cell/mobile phone number, your date of birth and lastly the last 4 digits of your SSN.

For greater success in approval, we recommend the information you provide here to match the information you have previously entered in your billing information. To continue, click “Create Account”. Applying involves a soft credit check that will not impact your credit score.

Enter Security Pin

A credit decision should be provided in seconds. Once approved, you will receive a 4 digit pin sent to your mobile phone number. Enter it at this screen and click Sign In.

If you did not receive one, click the blue link at the bottom “Problems receiving your pin” to request a new one.

Payment Options

Once you sign in, you will see your monthly payment over the course of six (6) to 24 months.

No hidden fees. Once complete, click continue.

Confirm Loan

The last page, which will show you a receipt of what you were approved for and when your payments will be due. At this page, you have the option to enable autopay by toggling the switch and choosing recurring payments using either your bank account or debit card. Select one and enter all the appropriate information.

Once you have reviewed and agreed to the provided disclosures, click the ‘Confirm Loan’ button at the bottom and your financing is complete!

Get Your Lull Today

Affirm payment subject to credit check and approval. Down payment may be required. Rates from 0-30% APR. For purchases under $100, limited payment options are available.

Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See for details.

We’re Here
to Help

Our sleep experts are available and happy to answer any questions. Call, Text or Email us 7 days a week.

Monday – Sunday from 6am to 6pm PT.