Financing

We proudly offer flexible financing and layaway options designed specifically to help you find the perfect fit for a better night's sleep starting tonight. Our goal is to make quality rest accessible to everyone.

  • First franklin offers a great long term option for our customers with low payments and terms ranging from 6 months up to 60 months. Come by the store to apply in person

  • We’re excited to share our promotions, including 6 months same-as-cash financing. This option lets you shop for your new mattress or furniture without immediate payment, providing the flexibility to create your ideal living space.

    Apply Now 
  • Winter Mattress & Furniture in-house financing — everyone approved with minimum requirements; no credit needed; no hard credit pull

    In-house financing

    Lease-to-own. No credit needed. No hard credit pull. Down payments as low as $29. Some customers may need a higher down payment. Come in with your driver’s license to apply.

    Come apply in store 
  • Option 1

    $39 plus tax down payment and an incredible 90-day early purchase option on your purchase. This is a fantastic opportunity. To make your dream of a new mattress a reality today.

    Apply Now 
  • Option 2

    $50 down payment and an incredible 101-day early purchase option on your purchase. This is a fantastic opportunity. To make your dream of a new mattress a reality today.

    Apply Now 
  • Option 3

    $39 plus tax down payment and early purchase options on your purchase. This is a fantastic opportunity. To make your dream of a new mattress a reality today.

    Apply Now 
  • Option 4

    Get started with an affordable price of just $39 down, and enjoy an incredible offer of 100 days early purchase option. This allows you to make your purchase without the burden of immediate payment, making it easier than ever to invest in quality sleep and comfort for your home.

    Apply Now 
  • In-store layaway: 20% down, up to 30 days to finish payment. Ask us if other options don’t fit.

    Contact Us