Shopping during holiday sales can unlock some of the year’s lowest mattress prices. Learn when to buy, how to stack promos, and how Snap’s lease-to-own financing can help you take home comfort now and pay over time.
Key takeaways
The best time to buy a mattress is during major holiday events like Presidents Day, Memorial Day, Labor Day, and Black Friday.
Stack sales with rebates and bundles to stretch savings further.
Snap Finance's lease-to-own financing can help you access deals immediately.
Mattresses are a big investment — and the right timing can save you hundreds. If your bed is starting to sag or you’re waking up sore, it might be time to replace it. Many mattresses need replacing every 7 to 10 years, so planning your upgrade around the best sale windows can make a noticeable difference in your out-of-pocket cost.
If the upfront cost still feels out of reach, using a convenient pay-over-time option, such as Snap Finance’s lease-to-own financing, can help you take advantage of the sale price and bring home comfort sooner without paying the full amount all at once. Pairing smart timing with the right mattress financing option lets you stretch your budget and stay focused on improving your sleep quality.
Best times of year to buy a mattress
The following holiday periods consistently bring strong price drops and bundle offers. Put them on your radar so you can shop intentionally instead of impulsively.
Presidents Day – Often the biggest mattress discounts of the year, thanks to aggressive brand and retailer promos
Memorial Day – Start-of-summer clearance deals as retailers make room for new lines
Fourth of July – Seasonal promotions plus mid-year competition between online and in-store sellers
Labor Day – Fall markdowns and back-to-school sales, with many retailers clearing floor models
Black Friday and Cyber Monday – Deep holiday discounts, limited-time bundles, and free-delivery offers
New Year sales – Year-end inventory clearance that can extend well into January
Pro tip: Subscribe to emails from your favorite retailers a few weeks early – many offer early access or price-match guarantees during these periods.
Why mattresses go on sale around holidays
Retailers use holiday weekends to drive foot traffic and online clicks, so they sweeten deals to stand out. Another major reason for sales is that new product lines typically launch in spring – which means last year’s models, floor units, and discontinued SKUs often get marked down. Competitive pressure between e-commerce platforms and brick-and-mortar stores pushes prices lower, especially when brands layer their own rebates on top of retailer promos. If you plan your purchase around these cycles, you’re more likely to find the right feel and features at a lower price.
How to save even more beyond holiday sales
Holiday tags aren’t the only lever. Combine the following strategies to reduce your upfront spend.
Stack retailer promos with manufacturer rebates. A sale price plus a mail-in or instant rebate can add up to meaningful savings. Keep an eye on claim deadlines.
Look for bundle deals. Mattress-and-bed-frame bundles frequently beat piecemeal pricing. Also ask about free pillows, sheets, or delivery with qualifying purchases.
Consider pay-over-time options. Financing that spreads payments can make a higher-quality mattress attainable now. If you’re using lease-to-own financing, mapping out an early ownership option can reduce your overall cost of lease when requirements are met.
Try floor models or last year's lines. Prior-generation models often use the same core materials with cosmetic updates.
Watch return and trial policies. A generous sleep trial or low-fee exchange window can protect you if the feel isn’t right.
How Snap Finance helps you save on mattresses
If traditional financing hasn’t worked out, Snap’s lease-to-own financing can help you shop during those big sale weekends and make payments over time. In a lease-to-own agreement, Snap purchases the merchandise from the retailer and then leases the merchandise to you, the customer. Here’s how it works.
Apply online or in-store. No credit is needed and it won't impact your FICO® score to apply.¹
Approvals up to $5,000 to shop at mattress retailers near you or online, if approved.²
Pay later. Make payments over time. When you complete your payments and your lease agreement, the items are yours.
Early ownership options. Snap’s default payment plan is 12-18 months, or you can choose an early ownership option to save on overall lease costs.³
Real-life scenario: combining sales + financing
Let's say you’ve spotted a plush hybrid mattress during a Labor Day sale. The retailer is offering $300 off plus free delivery on qualifying purchases. You apply to Snap Finance and receive a decision in seconds. With your approval amount, you check out at the sale price and take home your mattress. That’s a win because you get your comfort upgrade right away, you locked in a great holiday sale price that might have been out of reach otherwise, and you'll make payments over time.
Smart mattress shopping tips
A little prep can help you choose the right bed and avoid returns.
Time your replacement. If your mattress is approaching the 7–10‑year mark or you notice pain, sagging, or lumps, start monitoring prices ahead of the next holiday cycle.
Test firmness in-store if possible. Spend 10 minutes in your typical sleep position and check edge support if you sit on the side.
Know your materials. Memory foam tends to contour; latex balances responsiveness with breathability; hybrids combine coils and foam for support and motion isolation.
Match feel to sleep style. Side sleepers often prefer a slightly plusher top for pressure relief; back and stomach sleepers may benefit from firmer support to keep the spine aligned.
Prioritize sleep quality over the lowest price. Paying slightly more for better materials and support can improve sleep and extend your mattress’s lifespan. "Buy nice or buy twice," as the saying goes.
Read the fine print. Understand trial periods, exchange fees, and what the warranty covers (sag depth, stains, delivery).
Spend smarter, sleep better
When you wait for the right holiday sales – and use a convenient pay-over-time option – you can maximize savings and upgrade your sleep sooner. If credit has been a roadblock, Snap’s lease-to-own financing can help you access deals at the right time.1
Ready to shop? Check out Snap Finance partner mattress retailers and save more during the next holiday sale.
The advertised service is a lease‑to‑own agreement provided by Snap RTO LLC. Lease‑to‑own financing is not available to residents of Minnesota, New Jersey, and Wisconsin. Availability of specific retailers and merchandise categories varies by location.
¹ Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
² Approval amounts range from $300 to $5,000 and depend on underwriting qualification criteria.
³ The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including any early buyout promotions, you must make all regular payments on time and ensure the required amount is paid within the applicable timeframe through the customer portal or by contacting Customer Care at 1-877-557-3769. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.