No Credit Needed Plan No Credit Needed Plan If you’re one of the many people who prefer not to carry credit cards, the Sleep Train No Credit Needed plan may be right for you! Apply online now – if you’re approved, simply bring in your application’s approval number, your photo ID and a copy of your photo ID, and the required items listed in the FAQ section to the Sleep Train store nearest you. Call or visit a Sleep Train location for complete details. This credit plan does not check FICO credit scores and only applies to in store sales. No Credit Needed Plan: Steps to Apply What are the requirements needed for the No Credit Needed plan? You must be 18 years or older Valid Social Security Number or ITIN Employment or source of income Routing and account numbers for an open and active checking account Credit or debit card What if I do not have a checking account? You cannot qualify without a checking account. For approval you must have an open and active checking account.
0% APR for up to 48 months Interest will be charged to your account from the end of the promotional period at the standard variable purchase APR of 28.49% on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment.* Or as low as $63 per month‡ for 48 months on your iComfort Credit Card for total payment of $3000. Apply for an iComfort Credit Card The iComfort credit card can help you purchase the bed of your dreams. It offers a variety of promotional finance plans based on qualified purchases to help fit your budget.* Simply choose your mattress set and we'll guide you through the process. For example, if your purchase qualifies for 0% APR financing for 48 months and you finance $3,000, your monthly payment would be 3,000 divided by 48 months (rounded up to the nearest $1.00), or $63 per month. Learn More about iComfort With every iComfort mattress set purchase, you'll also enjoy
Free White Glove Delivery 120 Day In Home Trial FREE Removal of Your Old Mattress The iComfort credit card offers: Convenient online account management Pay your bill and view your statements 24/7 Need more time to pay? After the promotional period ends, any unpaid portion of your purchase balance, including any fees assessed for late or returned payments, will revolve on your iComfort credit card at the standard variable Purchase APR disclosed in your credit card agreement. There has never been a better time to upgrade to iComfort. *0% APR for 6, 12, 24, 36, or 48 months. Interest will be charged to your account from the end of the promotional period at the standard variable purchase APR on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period, (rounded up to the nearest $1.00);
Required minimum mattress purchase of $499 for 6 months, $799 for 12 months, $1299 for 24 months, $2000 for 36 months, and $3000 for 48 months. iComfort Credit Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $25.00. Minimum Interest Charge is $2.00, per credit plan. Standard variable Purchase APR of 28.49%, based on the Prime Rate. Subject to credit approval and availability. Account must be in good standing at the time of transaction. **Standard variable Purchase APR of 28.49%, based on the Prime Rate. Minimum Interest Charge is $2.00, per credit plan. ‡The payment amounts shown above are representative examples. The payment may not be equal to your minimum payment. The minimum payment due shown reflects the amount due if your previous balance is zero. If your previous balance is not zero, or includes an Equal Payment or Low Payment Credit Plan, see your Credit Card Agreement for additional information regarding the minimum payment due.
The total minimum payment due on your account will not be less than $25.00. The estimated monthly payment shown was calculated using the following assumptions: payments are made each period; no debt cancellation or suspension agreement applies to the Account; no taxes or ancillary charges are or will be added to the Account; goods or services are delivered on a single date; you are not currently and will l not become delinquent on the Account; and purchase will be paid in full before the end of the promotional period. Purchase must be made using the iComfort Credit Card. Subject to credit approval. Comenity Capital Bank issues iComfort Credit Card Accounts. If you wish to proceed with the online application, you will be providing your personal information to Comenity Capital Bank. IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you; When you open an account, we will ask for your name, address, date of birth, or other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents. You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Serta. To apply you must: Be at least 18 years of age; Be a U.S. resident residing in the United States; Have a U.S. Social Security Number; Have a street, rural route or APO/FPO mailing address (no PO box addresses); and have a valid government-issued photo ID. An † indicates a required field. Birth Date (mm/dd/yyyy) * Social Security Number * Married WI Residents only Applicant Street Address * You must read the disclosure presented in the Electronic Consent section of the Terms and Conditions box below prior to checking the consent box. Please also read the Credit Card Agreement Privacy Statement and other information presented in the Terms and Conditions box prior to submitting this application and