You’ve woken up tired…again. Your neck and back are sore…again. You can’t remember the number of times you got up last night, but you know it was at least three…again. You’re in a foul mood and you’re finding it hard to concentrate…again.

How many times are you going to let yourself experience these things before you give in and purchase a new mattress? While you may know a new mattress is a remedy for the things that are currently plaguing your day-to-day life, it doesn’t mean buying one is necessarily affordable for you right now.

3 Reasons to Finance a New Mattress

Are there any options available to people who want or need a new mattress but don’t have the funds on hand to buy one? As it turns out, there are. And there are several key reasons you may want to take advantage of them.

Here are some of the key reasons you may want to finance a brand-new mattress:

Keep Savings Intact

In general, it’s wise to have at least the equivalent of three to six months of your expenses in savings to ensure you can pay your bills if something happens that negatively influences your income. If you have that amount or less in the bank, it’s vital for you to keep your savings intact so that you’re prepared for the unexpected.

When you finance a new mattress, you’ll make regular payments until your debt is paid in full just like you would if you financed a car. Making smaller payments over time will prevent you from having to take a larger lump sum out of your savings when you purchase your mattress.

Affordable Terms

Depending on where you shop, the mattress store may offer financing. Quite often, the financing options you’ll find at a mattress store have terms that are surprisingly affordable. Some retailers may offer zero percent financing on loans or store credit cards with very low-interest rates. Whether you’re visiting physical stores, shopping online or both, it’s important to compare financing offers between retailers to find the best, most affordable financing for the mattress you want.

Establish or Improve Your Credit

When you take out a loan or open a credit card to pay for a mattress, your account will be reported to the credit agencies that are responsible for coming up with consumer credit scores. If you make your payments on time and pay off your purchase in full in a timely manner, financing a mattress can help you establish a credit history. Similarly, if your credit history isn’t the best, financing a new mattress and making payments on time can help improve your credit score.

When you establish a credit history or improve your existing credit score, it can make it much easier for you to obtain financing for other things in the future. So you may want to finance a mattress even if you can afford to pay out of pocket for one if you don’t have a credit history or your credit score could use a little work.

Finance Your Mattress with Ben’s

Some reputable websites warn consumers against taking advantage of certain financing offers because of potential hidden fees, exorbitant penalties and high-interest rates that may kick in if you’re late with a payment or miss one. While that’s the case, the benefits of financing a purchase through a reputable retailer can outweigh those risks.

Ben’s is an established Atlanta-based retailer that offers transparent financing options for people who want to buy a new mattress or discounted furniture. Read about our financing options now and contact us with any questions you may have. We look forward to helping you secure financing for the mattress of your choice soon