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Carson City: (775) 350-7711
Reno: (775) 440-1121

Mattress Payment Options in Carson City & Reno | Carson Mattress Outlet

A better way to better sleep

Better sleep.
On your terms.

Your next mattress, your way to pay. Explore payment options at Carson Mattress Outlet in Carson City & Reno.

Explore payment optionsHow it works
3 payment partners2 local showrooms
Your next great night's sleep.Three payment partners. More ways to get comfortable.
Low Price GuaranteeView store terms Free Delivery & Removal*Eligibility and restrictions apply Free Sleep TrialsWith all mattresses · See terms Easy Payment OptionsNo credit needed options available

Find your way to pay

Choose A Payment Option Below

& Get Pre-Approved In Minutes

Not sure where to start?
Talk with your local store

Snap Financing

Current advertised offer

NO CREDIT NEEDED $39Down + 100 Days No Interest

Approval required. Product, payments, and promotional costs depend on your agreement. Lease-to-own is not a loan and can cost more than the cash price.
Apply with Snap

Snap Finance application · Opens in a new tab

Before you apply
Snap offers different products depending on the store and applicant. A promotional or early ownership option may include fees or a cost of lease. Regular payments may not complete an early payoff option. Review the exact amount and deadline in your agreement. Read provider information ↗

Acima

Current advertised offer

NO CREDIT NEEDED $39Down + 90 Days No Interest

Lease-to-own, not a loan or credit. Ownership costs more than the cash price. Early purchase is not automatic; review your agreement for the exact cost and deadline.
Apply with Acima

Acima application · Opens in a new tab

Before you apply
Acima purchases the merchandise and leases it to you. Initial rent, renewal payments, taxes, and other charges are set out in the lease. You are not automatically enrolled in an early purchase option. Ask Acima how to exercise the option and what it will cost. Read provider information ↗

Synchrony Bank

Current advertised offer

ON APPROVED CREDIT $0Down & 0% Interest up to 24mo - O. A. C

Subject to credit approval. Qualifying purchase and payment requirements depend on the offer. Ask which promotion is available and review its full terms.
Apply with Synchrony

Synchrony retailer page · Opens in a new tab

Before you apply
O.A.C. means On Approved Credit. Promotional offers can differ: a true 0% APR offer is not the same as deferred interest. With deferred interest, interest can be charged from the purchase date if the promotional balance is not paid in full by the deadline. See the actual offer. Read provider information ↗

Approval is not guaranteed. The advertised offers above are subject to provider terms. For leasing, “no interest” does not mean no cost. Review total costs, fees, promotional requirements, and the final agreement before signing.

Compare all three options at a glance
Store-advertised offers only; not a payment quote or an approval decision. Provider terms control.
What to compareSnap FinancingAcimaSynchrony Bank
Application typeNo credit needed
Product varies; see agreement		No credit needed
Lease-to-own		On approved credit
Advertised upfront amount$39 down$39 down$0 down
Advertised promotion100 Days No Interest90 Days No Interest0% Interest up to 24mo
Before committingConfirm product type, total cost, and early payoff requirements.Confirm total lease cost and how to exercise an early purchase option.Confirm qualifying purchase, promotion type, and required payments.
Next stepApply with Snap ↗Apply with Acima ↗Apply with Synchrony ↗

How It Works..

From application
to a better night.

Choose an option, explore your approval, and visit us to find the mattress that feels right for you.

Choose a payment option

  1. Apply with a provider

    Click one of the 3 link options above, fill out short application to get pre approval.

    Note: 2 options are NO CREDIT NEEDED & 1 option is O.A.C. – On Approved Credit.

  2. Know your approval amount

    Once Pre-approved, you will get an approval amount that you can spend at Carson Mattress Outlet.

    For lease-to-own, an approval amount is the value of merchandise eligible to lease, not cash or a loan.

  3. Find your perfect mattress

    Come into one of our 2 mattress stores in Reno, NV or Carson City, NV to choose your mattresses.

  4. Set up your delivery

    Once you pick your new mattress you will pay the $39 down payment, or $0 down O.A.C., and then your order is handed of to the delivery manager to set you up with FREE LOCAL DELIVERY & Removal Of Old Mattress. ITS THAT EASY!

    Final upfront amounts are subject to your agreement. Delivery and removal restrictions apply. See Delivery Terms.

A little more clarity

Good questions.
Clear next steps.

Know what you are applying for before you get started. Select a question to learn more.

Still have a question? Let's talk
Do I need credit to apply?
The store advertises Snap and Acima as no-credit-needed options, while Synchrony is on approved credit. No credit needed does not mean no application review, no credit reporting, or guaranteed approval. Providers may obtain information from consumer reporting agencies.
Is pre-approval guaranteed?
No. Each provider makes its own approval decision and sets any approved amount, payment requirements, and agreement terms. Review the final agreement before completing your purchase or lease.
Are "no interest" and "no cost" the same?
No. Lease-to-own agreements can include lease costs, fees, or charges even when they do not charge interest. Acima is a lease-to-own arrangement, not a loan or credit. Snap product terms vary. Always compare the total cost and early purchase requirements in your agreement.
What does O.A.C. mean?
O.A.C. means On Approved Credit. The advertised Synchrony offer is subject to credit approval and the terms of the qualifying promotion. Confirm the purchase requirements, payment schedule, and promotion type before applying.
How do I make a payment on an existing account?
The buttons on this page are for new applications, not for paying an existing balance. To make a scheduled payment, use the provider website or app listed on your statement or agreement. Contact that provider for account balances, due dates, and payment support.
Is local delivery included?
Free local delivery and old-mattress removal are offered on eligible purchases. Purchase minimums, service areas, delivery type, and removal restrictions apply. Read our Delivery Terms or call your store to confirm eligibility before ordering.

Carson City & Reno

Two local stores.
One easy next step.

Already approved or just getting started? Visit a showroom, try a few mattresses, and let us help you with the next step.

Browse mattresses before you visit

Carson City

1202 North Carson St.
Carson City, NV

(775) 350-7711
Get directionsStore details

Reno

1155 W. 4th St.
Reno, NV

(775) 440-1121
Get directionsStore details

Important payment & delivery details

All applications and agreements are handled by the selected provider. Approval, approved amounts, product availability, upfront amounts, fees, and promotional terms vary. No credit needed does not mean guaranteed approval. Snap and Acima may obtain information from consumer reporting agencies. O.A.C. means On Approved Credit. Review the provider's current agreement and ask questions before signing.

Acima offers lease-to-own, not a loan or credit. Ownership through leasing costs more than the retailer's cash price. Snap products vary; lease-to-own may include costs above the cash price. Early purchase or promotional options are not necessarily automatic and may require action and additional payments. Synchrony promotions are subject to credit approval; confirm whether the specific offer is 0% APR or deferred interest and review required payments.

*Free local delivery and old-mattress removal apply to eligible purchases and service areas. Purchase minimums, delivery type, and removal restrictions apply. Delivery Terms · Terms & Conditions

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