Did you know that 40% of Americans get less than the recommended amount of sleep? Maybe that’s because they don’t have a good mattress. Being comfortable and having the right support means so much when it comes to getting rest!
If you don’t have good credit or have had to resort to payday loans online in the past, you may think a nice mattress is out of reach. How do you afford a great mattress if your credit won’t allow you to qualify for financing?
Fortunately, there are options for personal loans no credit check mattress financing. Find out more about what you need to get a great mattress without needing great credit!
Choosing the Right Mattress
The sleep you get affects everything about your life – your immune system, athletic performance, and more. In your mind, good sleep helps you have better attention, concentration, and decision-making.
Most of all, getting enough sleep helps you be in a better mood and approach the world with more vigor. If you’re going to invest in any item, a mattress would be one of the most important.
Here are some quick tips to help you choose the mattress you need.
Read Online Reviews
There’s nothing like learning from the experience of other people. Online reviews can make a big difference if you choose to buy your mattress online.
It’s always best if you can test the mattress yourself, so try to find one that allows that. If you can’t, it’s even more important to find a mattress with great online reviews.
As you read reviews, look for keywords that match what you’re looking for – soft, firm, support, etc. If other buyers find the mattress that way, you probably will too!
Find a Reputable Seller
If you’re buying from any seller, whether locally or online, it’s important they have a good reputation. Find out what people are saying on social media, the business’ review page, and check the Better Business Bureau.
You want to find someone who can be available if you have problems. Find out what the return policy is, if there’s a trial period, and more. Then, make sure the company can back it up.
You’ll also want to look for companies that offer no credit check loan financing for their mattresses. Often, you’ll see the terms, “bad credit – no problem” on their website, or in their stores.
Getting No Credit Check Mattress Financing
You may think that if you have bad credit, you’re stuck getting only the mattress you can afford with cash. It’s not true!
You can get no credit check mattress financing. You simply need to find the right personal loan. When you get the money you need, quickly, you can buy the mattress you deserve and pay it off over time.
As you look at different installment loan lenders, be sure to look for clear terms, competitive fixed interest rates, and no origination fees. You deserve a competitive loan!
The Process is Simple
You don’t have to jump through a bunch of hoops to get a personal loan online, even if you have bad credit.
Getting a personal loan from a traditional lender can be almost impossible. You need a good credit rating and they require a lot of documentation to prove your financial status.
When you apply for a personal loan online, you simply enter a little bit of information about yourself and your income. Generally, no documentation is required. Best of all, you can have up to 18 months to repay!
You don’t have to sacrifice your next payday or even your rent next month to get a great mattress. Instead, you can pay it off over time – even with poor credit.
You Can Get Money Quickly
A traditional loan can take days or weeks to get approved. Instead, choose to search for a payday loan no credit check through Bonsai Finance.
You may be able to get the money as quickly as the next business day. And there are some loans which have been uniquely designed for borrowers with a low credit score, which may be able to help you. They are based on your current financial position and income, rather than your credit score.
Compare Lenders Easily
Just because you have poor credit doesn’t mean that you have to take the first credit that’s offered to you. You have the right to shop around and get the right rate for your situation too.
Entering into a loan arrangement blindly can make your financial situation even worse than it already is. View the options each lender will give you and in terms of how much they will offer, the interest rates, repayment length, and more.
Once you’ve narrowed down your options, get in touch with the lender’s customer service and ask questions. You want to confirm the payment options you saw online.
The Requirements for a Loan With Poor Credit
As you move into searching for a personal loan that works for you, there are a few criteria you need to meet in order to qualify. Fortunately, they are simple.
Generally, you need:
- US residency
- To be between the ages of 18 and 65 years old
- A bank account to verify a regular source of income and for making loan payments
- An active phone number with the ability to receive both voice and SMS text messages
- A debit or credit card for backup provision for repayment of the loan
If you meet these simple criteria, you can start looking for a bad credit personal loan today!
Get Your Personal Loan Today
If you’re looking for no credit check mattress financing, you can begin your search online right away. A good night’s rest is worth its weight in gold. Find the mattress you deserve, and then get the personal loan you need to pay for it.
Even with poor credit, you may be able to get a competitive loan that you can pay back over time. If you have any questions or concerns about borrowing, contact us today!