Summer nights shouldn’t leave you sweating through your sheets. Here’s what to know about cooling mattress and how Snap Finance can help you bring one home.
Key takeaways:
- The right cooling mattress can help you sleep better in summer.
- Hot sleepers should consider latex, hybrid, or cooling memory foam mattresses.
- Snap Finance offers lease-to-own financing so you can get a mattress without paying for it all upfront.
Tossing and turning in the summer heat? Even when you crank up the AC, sleeping in the summer can be a real challenge. If you're tired of sweaty, restless nights, the right mattress might be a solution.
But paying for a new mattress can be a challenge, especially if you don't have perfect credit. Research from Snap Finance found that 26% of shoppers with lower credit scores could not have paid for their mattress without financing.
If you need to pay over time for a cooler mattress, lease-to-own financing might work for you. Snap Finance is a leading provider of lease-to-own financing.
How does lease-to-own financing work? In a lease-to-own agreement with Snap Finance, Snap purchases the merchandise from the retailer and then leases the merchandise to you, the customer.
As part of your agreement, you make payments over time to Snap. Once you make all your payments and have completed the terms of your lease agreement, you obtain ownership of the merchandise and it's yours.
But first you need to choose a new mattress. So, let's dive in to what makes a mattress “cool,” the best kinds of mattresses for beating the heat, and how you can get a cooling mattress without paying for it all upfront.
What makes a mattress “cool”?
When it comes to staying cool while you sleep, not all mattresses are created equal. Some materials and designs help regulate temperature better than others. Here’s what you need to look for in a cooling mattress:
- Breathable materials: Foam mattresses, especially older models, tend to trap heat, making you feel warmer. Cooling mattresses often use materials like gel-infused foam or latex to allow airflow.
- Moisture-wicking covers: A good cooling mattress will have a cover that pulls moisture away from your body, helping you stay dry on humid summer nights.
- Open-cell technology or air channels: Many higher-end mattresses now feature open-cell designs or built-in air channels to promote better ventilation and prevent heat buildup.
- Phase change materials (PCMs): Some mattresses use high-tech PCMs to absorb and release heat, keeping you at the perfect temperature all night long.
When you’re mattress shopping, check for these features. They can make the difference between a hot, restless night and a cool, comfortable sleep.
Top mattress types for hot sleepers
With so many mattress options, it can feel overwhelming to find the one that’s right for you. If cooling is your top priority, here are the best mattress types for hot sleepers to consider.
Memory foam with cooling technology
Traditional memory foam earns a bad reputation for trapping heat, but newer models come with added cooling features. Look for gel-infused memory foam, which distributes your body heat more evenly, or copper-infused foam that naturally draws heat away.
Latex mattresses
Natural latex mattresses are a great option for hot sleepers because the material is naturally breathable. They’re also incredibly durable and eco-friendly, which can be a bonus if you’re looking for something sustainable.
Hybrid mattresses
Hybrid mattresses combine foam layers with a coil-based support system. The coils in these mattresses allow better air circulation, making them cooler than all-foam models. Add in a cooling foam topper, and you’ve got a good mix of comfort and coolness.
Spring mattresses with cooling layers
If you’re shopping on a budget, traditional spring mattresses can still work for you. Just make sure they have layers of moisture-wicking fabric or gel-infused foam for that extra cooling factor.
Finding the right mattress type depends on your personal preferences for firmness, bounce, and support, but any of these options can help take some of the heat off your summer nights.
Stay cool without paying for a mattress all at once
We get it. Mattresses with advanced cooling features can come with a higher price point. But this doesn’t mean you have to choose between staying cool and staying on budget. Many mattress retailers offer access to financing options, including lease-to-own financing from Snap Finance.
How does lease-to-own financing work?
Whether you’ve heard it called lease-to-own, rent-to-own, or lease-purchase, the concept is essentially the same. Lease-to-own financing is typically available on durable goods, including mattresses. In a lease-to-own agreement, merchandise is generally available immediately or quickly delivered, making it a convenient option for essential items, such as mattresses, that are hard to live without.
Compared to traditional financing, lease-to-own financing is typically more accessible to those who have bad credit or no credit. That makes lease-to-own financing an option when you need something and don't have the funds to pay upfront – and don't qualify for traditional financing.
All credit types are welcome to apply for Snap's lease-to-own financing.1 Snap can help you enjoy your new mattress right away and pay later. Here’s how it works:
- Apply online or in-store: The Snap Finance application is fast and simple, whether you’re applying online or in a store.
- Get a decision: You'll know in seconds if your application for Snap's lease-to-own financing has been approved.
- Shop for mattresses: If approved, use your approval amount to shop for the right mattress for at one of Snap's retail partners. Find a participating store online or near you with the Snap Finance Store Locator.
Snap Finance offers several ways to complete your lease agreement. Payments are automatically set up to align with your paydays for the maximum length of the lease agreement – or you can choose an early ownership option to save on overall lease costs.2
Where to shop for cooling mattresses near you
When shopping for a cooling mattress, it’s important to go somewhere that offers a variety of options and pay-over-time options, such as Snap's lease-to-own financing. Here are some tips to help you shop for a cooling mattress.
- Start local: Visit mattress stores and furniture outlets near you to test out different cooling mattresses in person. You’ll get a better sense of comfort, firmness, and overall feel.
- Look for Snap Finance retail partners: If you're interested, check the Snap Finance Store Locator for stores near you that offer Snap's lease-to-own financing.
- Shop online: This can be a good way to compare reviews, features, and prices before making your final decision. You can also check for available pay-over-time options.
No matter where you shop, keep an eye out for seasonal sales during the summer. Discounts and promotions can help you save even more on finding the cool sleep solution you need.
Sleep better, sweat less
There’s no reason for summer nights to leave you tossing and turning in discomfort. Investing in the right cooling mattress can transform your sleep, keeping you cool, dry, and well-rested, no matter how high the temperatures climb.
Start exploring your options today so you can get better sleep all season long. After all, everyone deserves the kind of rest that leaves them ready to tackle the day ahead.
Interested in learning more and getting your next mattress? Check out these additional resources from Snap to help you shop for the cooling mattress of your dreams.
- A very merry mattress shopping guide
- Shop smarter, not harder: Tips to make the most of your Labor Day shopping
- What’s a credit score and why is it important?
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.
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 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 the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option may include a cost of lease above the merchandise price.