Need Credit? Got Credit? No Credit? Either way, we can help. Up to 24 months Same-As-Cash with Credit-Check or No-Credit-Needed options available with 90-Day payment options available at our Discount Mattress stores in Fultondale, Cullman, Birmingham, and Guntersville.

50-75% off name-brand mattresses daily!

Select from our "No-Credit-Needed" or below to learn more.

 

1. APPLY

WHAT YOU WILL NEED TO APPLY

  • Social Security number or ITIN
  • Credit card or debit card
  • Checking account & routing number
  • Government-issued photo ID
  • Be 18 years or older

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2. SHOP

Once approved, you can go shopping. We set up payments that can match your paydays.

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3. CHECKOUT & GET IT TODAY

Start your lease and take home what you need today for a small up-front cost. You will need help from a store associate to checkout.

To submit an application for Progressive, click the button that corresponds to your purchase location, below:

BIRMINGHAM/CRESTWOOD

CULLMAN

FULTONDALE

GUNTERSVILLE

 

OKINUS Logo

You can apply for a no-credit-needed loan inside our store or here.

This program is NOT based on creditworthiness. Okinus also reports payments to the credit bureau and offers a 90-Days-Same-As-Cash payment option. Payments are drafted monthly from the customer's checking account.

Requirements to qualify for No-Credit-Needed Financing:

  • You must have a checking account open for at least 90 days with a Debit Card (bring it with you)
  • Bring your checking account number and routing number
  • Must have monthly income of $1,200 or more

We can now give you an instant response. All you need is your ID. Customers who are in the military, self-employed, or on a fixed income are still required to bring in their most recent 60-day bank statement.

To submit an application for Okinus, click the button that corresponds to your purchase location, below:

BIRMINGHAM/CRESTWOOD

CULLMAN

FULTONDALE

GUNTERSVILLE

WAREHOUSE

 

It is easy to apply for credit. Stop by any of our stores, bring your state-issued ID, fill out a credit application and, in most cases, you will have an answer in less than 15 minutes.