Apply for the SlumberSource card and enjoy 0% Financing on Homecare & Hospital Beds
At SlumberSource, we believe your comfort and care shouldn’t wait. That’s why we’ve partnered with Synchrony — one of the largest and most trusted consumer financial services companies in the U.S. — to offer two flexible ways to finance your homecare bed. Whether you’re investing in a Sleep to Stand Bed, a Hi-Lo Adjustable Bed, or a Hospital Bed for Home Care, you can apply at checkout and get a decision in minutes.
Your Two Financing Options
Quick Comparison
How to Apply for Financing
- Browse and add to cart. Choose any bed on SlumberSource.com — every product is eligible for financing, including delivery, installation, and accessories when bundled with your bed.
- Proceed to checkout. Review your cart and click the checkout button.
- Click the SlumberSource Card financing button. At checkout, you’ll see the SlumberSource Card financing button (labeled “The SlumberSource Card — 0% Financing”). Click it to start your application. This opens a Synchrony application. You must select this option to access financing — it won’t apply automatically.
- Complete the quick application. You’ll apply through Synchrony’s secure platform. The prequalification step uses a soft credit inquiry, which does not affect your credit score.
- Choose your plan. If prequalified, you’ll see your available options — the 18-month Flex Credit Card, the 36-month Pay Monthly Loan, or both. Select the one that fits your budget and review the terms.
- Confirm and you’re done. Accept the terms and your order is placed. Your bed ships with SlumberSource’s fast nationwide delivery — typically 4 to 11 business days with free delivery and expert installation.
What Can I Finance?
You can finance any bed and accessories sold on SlumberSource.com:
- Sleep to Stand Beds — motorized beds that rotate and lift you to a standing position
- Hi-Lo Adjustable Beds — luxury homecare beds with full height adjustment
- Hospital Beds for Home Care — medical-grade beds for in-home recovery and long-term care
- Bariatric Beds — heavy-duty beds built for higher weight capacities
- Acute Care & Med-Surg Beds — clinical-grade beds for complex care needs
- Accessories — mattresses, safety rails, overbed tables, and more when purchased with a bed
Why Synchrony?
Synchrony is a Fortune 500 company and one of the nation’s premier consumer financial services providers, servicing millions of active accounts across hundreds of partner brands. When you finance through SlumberSource:
- Your information is handled through Synchrony’s encrypted, PCI-compliant platform
- You’ll never be charged application fees or hidden costs by SlumberSource
- You get the security of working with an FDIC-insured institution
- You can manage your account, view your balance, and make payments anytime through Synchrony’s online portal or the MySynchrony mobile app
Frequently Asked Questions
What financing options does SlumberSource offer?
We currently offer two options through Synchrony: the Synchrony Flex Credit Card with 0% interest if paid in full within 18 months, and a Pay Monthly Loan with fixed payments over 36 months at 9.99% APR.
How does the 18-month 0% interest option work?
This is a deferred interest plan. No interest is charged if you pay the full promotional balance within 18 months. Minimum monthly payments are required during that period. If the balance is not paid in full by the end of the 18 months, interest will be charged on the original purchase amount from the date of purchase at the standard account APR.
How does the 36-month Pay Monthly Loan work?
This is a fixed-rate installment loan at 9.99% APR. You’ll make equal monthly payments for 36 months. The payment amount is set when you accept the loan and never changes. There’s no penalty for paying it off early.
Will applying affect my credit score?
The prequalification step is a soft inquiry, which does not impact your credit score. A hard inquiry only occurs if you’re approved and choose to accept the financing terms. You’ll see your options before the hard inquiry happens.
How do I access financing at checkout?
When you proceed to checkout on SlumberSource.com, you’ll see the SlumberSource Card financing button (labeled “The SlumberSource Card — 0% Financing”). Click it to start your application, which is processed through Synchrony. Financing is not applied automatically — you must select the financing option to begin the process.
How long does approval take?
Most applicants receive an instant prequalification decision. The entire checkout process, including the financing application, takes just a few minutes.
Can I pay off my financing early?
Yes. Both options allow early payoff with no penalty. For the 18-month Flex Credit Card, paying early ensures you avoid any deferred interest. For the 36-month loan, paying early saves you on total interest paid.
What beds can I finance?
Every bed sold on SlumberSource.com is eligible, including Sleep to Stand Beds, Hi-Lo Adjustable Beds, Hospital Beds for Home Care, Bariatric Beds, Acute Care Beds, and Med-Surg Beds. Delivery, installation, and accessories are also eligible when bundled with your bed purchase.