Payment Options

woman and child making a bed

Sleep Now, Pay Later - Financing Made Easy

At Factory Direct Mattress Norman, we believe everyone deserves a great night’s sleep - without the stress of a big upfront payment. That’s why we offer flexible financing options to fit your budget, credit situation, and lifestyle. Whether you're upgrading to a king-size memory foam mattress or finally investing in a top-tier adjustable base, we make it easy to bring comfort home today.

We partner with three trusted financing providers to help you rest easy:

Synchrony

Ideal for customers with good credit, Synchrony offers low interest rates, longer payment terms, and even promotional financing on select purchases. Apply quickly in-store or contact the store location and they can email or text the application for you to access, and enjoy the convenience of manageable monthly payments.

Synchrony

Koalafi

Not perfect credit? No problem. Koalafi is designed for customers with fair or rebuilding credit. With fast approvals and flexible payment plans, Koalafi helps you get the mattress you need now - while helping you build your credit for the future. Scan the QR code for the application or visit the link below.

Koalafi
Koalafi application qr code

Snap Finance

Got no credit or less-than-ideal history? Snap Finance looks beyond the credit score to approve shoppers in seconds - no hard credit check required. It’s a great option if you're just starting out or have had a few bumps along the way. Scan the QR code for the application or visit the link below.

Snap Finance
Snap qr code

Why Finance with Us?

  • Apply in minutes
  • Take your mattress home today
  • Choose the payment plan that works best for you
  • No pressure, just options

Ready to sleep better tonight - and pay over time? Visit us in-store or contact our team to learn more about which financing option is best for you.

What Our Customers Are Saying

"Great prices, great customer service! Go see Charlie for your mattress needs!"
Hannah H.
Google
"Charlie's store is very nice and organized. Easy to find a mattress within my budget. The prices are great, highly recommend. Thanks Charley"
Mike C.
Google
"Very friendly and helpful in finding the best mattress for my needs. Great prices, knowledgeable and friendly service."
Doris
Google
This was our second purchase from Factory Direct Mattress-Norman, and once again Charlie took excellent care of us, answering all of our questions in a relaxed, no pressure atmosphere. We had shopped other stores in Norman prior to finding this one and we were turned off by the exceedingly high prices and the pressure to buy more than what we were looking for. We love the adjustable bases we bought for our current mattresses and as soon as we can determine which Winkbed we want, we will be back! Thanks again Charlie for great products at a reasonable price and excellent and friendly customer service!!
Michael K.
Google
I recently purchased the Everest Euro Top mattress from Factory Direct Mattress in Norman, and I couldn't be happier with my experience! As a side sleeper, this mattress has been a game-changer—perfect balance of support and plush comfort that keeps my pressure points happy all night long. A huge thank you to the owner, Charlie, for his outstanding service. He was incredibly knowledgeable, patient, and genuinely helpful in guiding me to the right mattress without any high-pressure sales tactics. His expertise and friendly approach made the whole process easy and enjoyable. Highly recommend Factory Direct Mattress in Norman—great selection, unbeatable value, and top-notch customer care. 5 stars all the way!
Chris R.
Google
The store itself provided a top notch experience! Did some research online on the highly reviewed Winkbed mattress and this location happened to be only retailer in the state. The owner, Charlie, knows his products and was able to offer a great price. The mattress itself has been exactly what I wanted. Really recommend coming here for your mattress needs.
John A.
Google
I recently bought a Puffy Lux mattress from Factory Direct Mattress in Norman, and I couldn't be happier with the whole experience!Charlie, the store owner, was super knowledgeable and patient—he let me take my time lying on different options without any pressure. They had the Puffy models available to try in person, which was a huge plus since it's not always easy to test bed-in-a-box brands like this.The mattress itself is amazing. It's plush yet supportive, with that classic memory foam hug that relieves pressure on my shoulders and hips. Prices were competitive, and they beat some online quotes I had checked. Delivery was quick and hassle-free. If you're in the Norman area and shopping for a Puffy or any quality mattress, this local spot is definitely worth checking out—great selection, friendly service, and real savings. Highly recommend buying from Factory Direct Mattress in Norman.
Ashley H.
Google
Charlie was absolutely amazing, super friendly, and knowledgeable! He helped us find a plush (made in OKC) mattress, a bed frame, and sheets all at an incredible price. He even delivered it the same day!
Kelly T.
Google
After considerable online research and visits to all of the major mattress outlets here in Norman. My wife and I decided we wanted to try a Puffy (brand) mattress at Factory Direct Mattress. We were immediately struck by how small and intimate the store is and the passion of its proprietor, Charlie Hayes, in providing a positive experience. Like most folks in their mature years we both have our share of aches and pains, and the Puffy Luxe Hybrid stood out as being able to provide the comfort and support we need. Charlie worked with us to get the best deal possible and his willingness to ensure our complete satisfaction really blew us away. He was even able to deliver the products that evening. We couldn’t be happier. I can’t recommend Factory Direct more highly. If you’re looking for a mattress you must pay him a visit.
Kevin S.
Google

Financing Options

We have several partners with flexible payment plans that allow you to pay over several months with little to no interest.

Get Started Today

Let us help you improve your sleep and your life. Contact us today so we can focus on your unique needs.