Pay your way

Mattress Financing & Free Layaway

Flexible ways to pay, so a better night's sleep doesn't have to wait.

Sleep Facts

Interesting Tips & Info

The Sleep Center in Gainesville offers free six-month layaway with daily, weekly or monthly payments, third-party financing with special terms on select purchases (on approved credit), and accepts cash, checks, Visa, Mastercard, Discover, American Express and most debit cards.

Last reviewed November 3, 2026 by The Sleep Center team.

Financing for a better night's sleep

We don't want money stress to keep you up at night. Along with fair everyday pricing, we offer financing through third-party providers, so you can make payments at a rate that fits your budget and start sleeping better right away.

Free mattress layaway

Our free layaway program lets you pay for your new mattress on a schedule that makes sense for you, not us. You have six months to pay, with daily, weekly or monthly payments. If you know you'll need a mattress down the road, layaway also locks in a model that may not be in stock six months from now.

Flexible payment options

We accept cash and any major credit card, including Visa, Mastercard, Discover and American Express, as well as most major debit cards and personal, business and certified checks.

Whether you pay now or later, we'll work with you to find the best option for any product: mattresses, adjustable bases, bed frames, pillows and sheets.

We accept

Cash
Personal, business and certified checks
Visa
Mastercard
Discover
American Express
Most major debit cards
Free six-month layaway
Third-party financing on approved credit

Questions about financing?

Talk with a mattress expert. No pressure, just answers.

1-888-695-BEDS Message us

Questions

Financing questions

Straight answers from our mattress experts. Don't see yours? Ask us; we love questions.

Still have a question?

Call a showroom and talk to a real mattress expert.

(352) 872-5668 (352) 872-5665

Send us a message

Does The Sleep Center offer layaway?

Yes. Free layaway gives you six months to pay for your mattress with daily, weekly or monthly payments, and it can reserve a model that may not be in stock later.

Do you offer 0% financing?

Financing is available through third-party lenders on approved credit, with special promotional terms on select purchases. Ask in store for current terms.

What payment methods do you accept?

Cash; personal, business and certified checks; Visa, Mastercard, Discover and American Express; and most major debit cards.

Is layaway really free?

Yes. Our layaway program is free: you choose daily, weekly or monthly payments over six months.

How do I apply for financing?

Ask a mattress expert at either showroom. We'll walk you through the third-party application; approval and terms are set by the lender.

Two showrooms