Rent-to-own mattresses, near you.
Sleep on a new queen mattress tonight. Free delivery, free setup, and most stores skip the traditional credit check. Pay weekly.
Rent-to-own mattress programs may provide a mattress through renewable payments and an option to own. Many retailers use alternative screening instead of a traditional credit check. Approval criteria, hygiene policies, delivery, return conditions, fees, overdue amounts, reporting practices, and early purchase terms vary.
Mattresses rent-to-own stores near you
Enter your city or ZIP to see rent-to-own stores that carry mattresses near you, or browse the national listings by state below.
Companies offering rent-to-own mattresses
A selection of companies in the VRTO directory whose stores carry mattresses. Browse by state below for specific locations, hours, and contact information.
Browse mattresses types
Jump straight to the mattresses type you need.
How rent-to-own mattresses works
Agreements may use weekly, biweekly, or monthly renewals. Screening, upfront payments, delivery, service, return conditions, fees, overdue amounts, balances, reporting practices, and early purchase terms vary by retailer and agreement. Confirm each term in writing before signing.
Take it home today
Pick your mattresses and sign a short lease. There is no big upfront cost, and most stores skip the traditional credit check.
Pay weekly or monthly
Make small payments on a schedule you agree to. Pay it off early and you save (see what it costs, below).
Own it, or review the return option
Complete the agreement to own the mattresses. Many agreements allow returns that end future renewals, but conditions, fees, overdue amounts, and reporting practices vary.
What's specific to mattresses
The lease works the same as any category. Mattresses just adds a few things worth checking before you choose.
Test Before You Commit
Visit the store and spend at least 10-15 minutes lying on the mattress in your usual sleep position. A mattress that feels good for 30 seconds may not provide the support you need through the night. Most stores have display models you can test.
Know Your Mattress Types
Innerspring mattresses are firm and affordable. Memory foam contours to your body and relieves pressure points. Hybrids combine both technologies. Each type suits different sleeping styles, so side sleepers generally prefer memory foam, while back sleepers often prefer innerspring or hybrid.
EPO Makes Mattresses a Strong RTO Value
Mattresses hold their value longer than electronics. A 90-day same-as-cash buyout gets you the mattress at retail price with free delivery and setup included. This makes mattresses one of the best early purchase values in rent-to-own. Use our calculator to compare.
Delivery, Setup, and Old Mattress Removal
Most rent-to-own mattress agreements include free delivery, setup, and removal of your old mattress. Some agreements also include a bed frame or adjustable base, so always confirm exactly what is included before signing your lease agreement.
What rent-to-own mattresses really costs.
The figures shown are illustrative ranges, not live quotes. Actual payments, agreement length, total of payments, fees, and return terms vary by retailer and item.
Many agreements offer an early purchase option that may reduce the total. Ask for its deadline, purchase price, and fees in writing before signing.
Estimate your total with the calculatorFigures are typical examples, not quotes or guarantees. The store sets the actual price. Ask for the cash price, weekly payment, number of payments, and total before you sign.
Before you rent mattresses
A little prep makes the visit quick. Bring the right paperwork, and have these questions ready. A good store will answer every one.
What to bring
What to ask before you sign
Rent-to-own mattresses by state
Rent-to-own laws, pricing, and store availability vary by state. Pick yours to see local mattresses stores and the rules where you live.
Browse available mattresses store listings and state-specific rent-to-own information.
Mattresses guides
Plain-language guides from the VRTO team to help you choose well and avoid overpaying.
Rent-to-own mattresses, answered
Popular rent-to-own mattresses
Twin mattresses, full mattresses, queen mattresses, king mattresses, adjustable bases, bed frames, and mattress sets with frames.
Product availability varies by store and location. Search above or browse by state to find stores near you.
Related categories
Listings use public business information and retailer-supplied data when available. Price ranges are educational examples, not store quotes. Always confirm price, terms, and availability directly with the retailer.
Find your mattresses, near you.
Search listed rent-to-own stores near you that may carry mattresses, then confirm availability and terms directly with the retailer.