Get Personal Loan Offers in Minutes Is A Personal Loan Right For Me? If you do not have access to funds to make a purchase or pay down debt on your own then taking out a personal loan may be right for you. Personal loans can help consumers with a variety of needs in debt with a personal loan is a great solution for many Americans. They can help those stuck carrying large balances on credit cards making small or minimum payments-especially if the interest rates on your credit cards are higher than you would have with a personal loan. and excellent credit (720 and above) frequently see rates between 6% and 10% which is significantly lower than credit card rates and competitive with other methods of financing. make it easier to finance home improvements, purchase a car, or cover unexpected expenses. Average Personal Loan Rates by Credit Rating $10,000 Loan - 3 Year Term How Is My Credit Affected? Consumers paying down debt with a personal often see dramatic improvements in their credit.
happens because a personal loan converts revolving debt to installment debt. This will lower your credit utilization-the percentage of your available credit you are using. Consumers taking out a personal loan for other needs can expect to see minimal impacts on their score related to the debtHowever, when seeking any loan or financing consumers should expect to have their creditThere are two types of credit pulls, a soft pull and a hard pull. Many online lenders will do a soft pull in order to pre-qualify you for a loan offer and estimate your rate.They will then do a hard pull before making a final lending decision. It is important to understand that only a hard pull will ding your credit score, a soft pull will not. Decreases related to hard pulls are usually Pros of Personal Loans Low interest rates and competitive offers Rates offered are often better that credit cards Ability to finance a variety needs and expenses Easy and simple online application processes
Loans are unsecured and not tied to an asset Consumers get their funds fast - usually in 1 to 5 business days Bump in credit score for those consolidating credit card debt Cons of Personal Loans Some lenders charge origination fees to process your loan Teaser rates are only offered to super prime applicants (780+ credit scores) See rates personalized to you Consumers with credit scores below 580 will have limited loan options Get rates personalized to you and compare the best deals in seconds!ONE SIZE DOES NOT FIT ALL EVERY BODY IS UNIQUE Our mattresses respond to you – your needs and your body. It’s comfort that knows you. QUALITY IN A CONVENIENT BOX Arrives at your door, easy to move, and unfolds immediately on your current box spring or platform. We are the original mattress in a box. 20+ years of expertise and constant contact with our customers makes a difference. Just read our reviews. LOVE YOUR MATTRESS MORE
When you sleep on the mattress meant for you, falling in love is not a dream. FOUR STORIES ABOUT PEOPLE WHO FOUND THEIR FIT We believe that every body is unique, which is why we’re dedicated to helping people find bedding that fits the way they sleep. And better sleep leads to bigger dreams. We support people who embrace their unique dreams and become all they are meant to be by finding their fit in life. The “Found My Fit” series is about some amazing people who persevered until they found their true passion. Click below for the full stories of how they found their fit. Contour Memory Foam Pillow Pain in the Neck? Therapeutic design offers comfortable neck support that helps relieve pain and stiffness. The Right Amount of “Give” Unlike other contour pillows, which are hard and flat, this one feels good. It’s the perfect blend of comfort and support. Choose from two contour thicknesses in one pillow for your optimal head and neck alignment.
Dual Layer 4-inch Mattress Topper Transform your bed and your sleep overnight – even an “okay” mattress will feel like heaven. The Restorative Power of Gel 2-inch gel memory foam bottom layer gives you cooling, therapeutic support and unbeatable pressure point relief. 3 Simple Steps to Fresh Bedding Includes washable quilted cover – just unzip it, slide it off, and toss it in the washing machine. Taylor 12 Inch Memory Foam Mattress Optimal support that adapts to your body. Less Tossing and Turning Proven pressure point relief no matter what position you sleep in. Gel memory foam for all-night coolness. Sleep Innovations Sleep Builder Sleep Innovations® Mattress Selector If you’ll answer a few questions about how you sleep, we’ll recommend the mattress that fits you best. Who will be sleeping on the mattress ... Me and my partner I would like the mattress to be ... I tend to sleep on my ...
All Over The Place I prefer to sleep ... Depends on the day I would describe my weight as ... About right for my height Above average for my height Below Average for my height My partner tends to sleep on their ... All over the place My partner prefers to sleep ... Sleep Innovations® Pillow Selector If you’ll answer a few questions about your sleep and pillow preferences, we’ll recommend the pillow that fits you best. Where will you use your pillow ... What comfort level are you looking for ... I want my pillow to be ... Sleep Innovations® Topper Selector 1 If you’ll answer a few questions about your sleep and bedding preferences, we’ll recommend the topper that fits you best. Where will the topper be used? Who will be sleeping on the topper ... I would like the topper to be ... Depends on the day When it comes to the luxury mattress market, there just hasn’t been a whole lot of change within the last 10 years.
If you wanted a luxury mattress, you bought Tempurpedic, plain and simple. However, the last year has seen an explosion of new mattress companies. These new companies are challenging the status quo and refusing to accept that Tempurpedic is the only name in luxury. Loom and Leaf has certainly created a great mattress, but how does it really stack up against Tempurpedic? Keep reading below for our full mattress comparison review of the Loom and Leaf vs. Tempurpedic Cloud Supreme Breeze mattress.Jump down to the quick mattress comparison chart and final summary to see who came out on top. The Loom and Leaf mattress is 12″ thick and comprised of 4 different foam layers. The cover is extremely nice. It’s crafted from 100% organic cotton. As such, its got a really nice softness and breathability. From an aesthetic perspective I really like the look of the Loom and Leaf. Gold lettering on the embroidered portions and gold trim give it a luxurious, yet subtle look. Quilted within the cover is an additional mini foam layer.
It’s 5/8″ layer of comfort foam. This layer helps add a great softness and feel to the cover and top portion of the mattress. In addition, Loom & Leaf recently made a change to their cover, creating a more supportive midsection. In order to do so, they tightened up the stitching and quilting of the lumbar section and left the head and toe of the mattress the same. This change allowed for less sinkage within the lower back and torso area and a higher level of support throughout those areas. The head and toe remained virtually the same, maintaining an enjoyable level of cushion and pressure relief. Finally, the Loom and Leaf uses all natural thistle within the cover. This acts as a flame retardant and is a great alternative to chemical based flame retardants. The Loom and Leaf has two different degrees of firmness. The L&L Relaxed Firm option sits at a 5.5 out of 10 on the firmness scale (where 10 is the most firm). They also offer a firmer option, the L&L Firm, which is an 8.5 out of 10.
This gives you a fairly wide breadth in terms of firmness. For sleepers who like a mattress in the 5-8 range, you’ll probably be happy with the firmness level. In terms of overall feel, I would describe the Loom and Leaf as quite balanced. There is 1-1.5 inches of sinkage in a normal lying position. This mattress has great body contouring and the results in well rounded support. Unlike traditional memory foam, the L&L does a good job of allowing you a little sinkage + body contouring, but the mattress doesn’t envelope you and become a heat retention trap. The most impressive attributes of the Loom and Leaf are its cooling features. The designers have gone through great strides to ensure maximum cooling. Given the materials used, the pricing on the Loom and Leaf is quite impressive. This is especially true for the Twin, Twin XL, Full, and Queen sizes. The King and California King sizes are a bit more pricey given their extra size, but even at $1,399 they are a far cry Tempurpedic’s $3,699 for a King.
Read the full Loom and Leaf mattress review here. The Tempurpedic Cloud Supreme Breeze mattress is an all foam mattress built from 4 different layers, totaling 11.5″ in height. The Cloud Supreme Breeze cover seems to be very well made. Consisting of a blend of polyester (94%) and spandex (6%), the cover comes together for a nice, soft, and flexible feel. Additionally, the cover embodies a two-tone, grey / white color scheme, broken up by a thin blue strip. Although it may seem small, the blue line around the perimeter of the mattress does a good job of adding some flare to the cover as a whole. Constructed from Tempurpedic’s Breeze material, the top piece of fabric used on this mattress works to regulate body temperatures throughout a sleep cycle. For example, if you begin to heat up the mattress will try to cool you back down and vice versa. In addition, the cover is thin, also helping to improve airflow in and out of the mattress. Finally, only spot cleaning is recommended with cover of the Cloud Supreme Breeze, but you do have the option of removing the white piece of fabric and washing it.
In terms of firmness, Tempurpedic rates the Cloude Supreme Breeze at medium rating. Firmness is always a difficult area to judge because it is inherently subjective. I would rate the Cloud Supreme Breeze at a 5 out of 10 on the firmness scale (where 10 is the most firm). This makes it a slight degree softer than the Loom and Leaf. As this mattress is fairly soft there is a high degree of sinkage. I’m around 140 pounds and sink 2-3 inches into the mattress. Heavier sleepers will certainly see a more pronounced sinkage. Deeper sinkage can result in heat retention and the mattress “sleeping hot”. If you’re a heavier sleeper, make sure you take this into consideration. Even with the TEMPUR-Breeze material, heavier sleepers may find the level of sinkage to be too much once the foams have began to wrap around them. Overall support of the mattress is good, provided you like the level of firmness. That said, I did feel as if the mattress was a touch too soft while sleeping on my stomach.
My hips sank more than I would’ve liked, creating an uncomfortable angle along my lower back. My wife, Samantha, sleeps primarily on her back and shared a similar experience. The mattress was simply too soft for her liking. Heavier back and stomach sleepers my find this mattress to be a good fit, but as lighter sleepers, we felt as if there was just too much sinkage around the bottom halves of our bodies. Yet, sleeping on my side felt like a home run. I have no complaints with the Cloud Supreme Breeze and side sleeping. Very good pressure relief and consistent spinal alignment allowed for a good night’s sleep all in all. FAQ: What mattress firmness do I need? While there was essentially no bounce with this mattress, I did enjoy the mattresses ability to dissipate motion transfer. Although we tested a Twin XL Cloud Supreme Breeze, I was able to test the motion transfer by dropping 12 pound medicine balls at a few different spots on the mattress. Final verdict, the mattress did an excellent job of absorbing the energy that the medicine balls tried to create.
I am confident that sleeping with a partner would result in the same experience. All together, I’m a fan of this mattress. While I may not have fully enjoyed the support and sinkage in certain positions, sleeping on my side proved to be a positive experience. That said, I find it difficult to get past the high price points associated with this mattress. Personally, I do not believe there is a mattress that is worth the amount of money that Tempurpedic charges for this model and the rest of their line. The price differential is without question the starkest contrast between the Loom and Leaf and the Tempurpedic. In every size category, be prepared to open your wallet. Read the full Cloud Supreme Breeze mattress review here. Below is our complete side-by-side mattress comparison of the Loom and Leaf vs. Tempurpedic Cloud Supreme Breeze: If this comparison review seemed a bit one sided you’ll have to forgive me. Quite frankly, I was just blown away. Not only by the quality of the Loom and Leaf mattress (which is exceptional), but more by the gall of Tempurpedic.
In this age of transparency and openness I cannot understand Tempurpedic’s decision to not provide the specs on their construction, layers, and materials used. From my perspective I don’t feel like any consumer could make a truly informed decision on the Tempurpedic without this information. I highly recommend you take a look at and consider all of the new online mattress companies. There are many quality and inexpensive options. Read our full Mattress Comparison guide for more. That said, on all mattress comparison reviews I try to select a winner. In this case, the decision was easy. Loom and Leaf was the runaway winner. Why is Loom and Leaf the better choice? If you’re on the fence between Loom and Leaf or Tempurpedic I would recommend just giving the L&L a try. You have a 120 day trial period. Worst case scenario you try the L&L, don’t like it, return it, and then get a Tempurpedic. Best case scenario…you love the Loom and Leaf and you also save yourself $2,100+.