Factory Direct Mattress 120-Day Layaway Plan

Reserve Now. Pay Over Time. Sleep Better Later.

 

At Factory Direct Mattress Springfield, we make it easy to take home your perfect mattress — even if you’re not ready to pay in full today. Our 120-Day Layaway Plan lets you lock in today’s price and pay over time without worrying about interest or credit checks.

1. Choose Your Mattress
Pick any new mattress, box spring, or foundation totaling $99 or more.


3. Make a Small Deposit
Get started with just a 10% down payment plus a $10 setup fee — both non-refundable.


4. Pay Over 120 Days
You’ll have up to 4 months to complete your payments at your own pace.


5. Pick Up or Schedule Delivery
Once your balance is paid in full, your new bed is ready! If it’s not immediately in stock, we’ll have it available within about 15 days of final payment.
 

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What You’ll Love About Layaway

  • No Credit Check: Everyone qualifies — no approvals needed.
  • No Interest or Hidden Fees: Just a simple, transparent plan.
  • Lock in Today’s Price: Prices won’t change, even if a sale ends.
  • Flexible Payments: Pay weekly, bi-weekly, or monthly — whatever works for you.
     
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Ready to Get Started?

Stop by our Springfield showroom or give us a call to start your layaway today.
Our team will walk you through the quick setup — so you can reserve your mattress now and pay the way that fits your budget.
 

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