Flexible Financing Available

Don’t want to pay with cash? Smoky Mountain Mattress makes it easy for you to sleep great tonight with flexible financing options. There are several Financing options available. As an added convenience, use our easy online application or visit us and apply today.


Special Financing Available* We offer special financing options with the Maddisonville Mattress Credit Card by Synchrony Bank. Our everyday promotions are up to 24 Months Special Financing* on qualifying purchases made with your Madisonville Mattress Credit Card. We also run additional special financing offers throughout the year so come in and apply in person or click here to apply online today. *Subject to credit approval. Minimum monthly payments required. See store for details or click here to apply online today!


We Now Accept Synchrony HOME Card! If you have the Synchrony "Home" card you may now use it to finance purchases at Smoky Mountain Mattress!

We also offer No Credit Check Financing!

Smoky Mountain Mattress offers "no credit check financing". If approved, simply bring your approved application number and a photo ID to Smoky Mountain Mattress. Applying online will save you time and allow you to shop knowing your approved credit limit. Limits are fro $300 to $3000 depending on monthly income. Click here to apply!

Frequently Asked Questions:

Q – How can I be approved for No Credit Check Financing?

Credit approvals are based on two factors:
1. You must have a gross income of at least $700 per month.
2. You must have an open, active bank account established for at least 3 months with NO returned checks or NSF fees within the last 30 days.

Q – What is the interest rate/payment?

Since this is a lease/purchase program- there is no interest rate. Lease payments are 15% of the invoice per month.
Example: $1,000 invoice = $150/mo payment.

Q – How long is the lease agreement?

All lease/purchase agreements are 12 or 18 months.

Q – Are there any buyout options?

Our finance partner offers early buyout options to customers who wish to own the merchandise outright before the 12 month term is up. There are two buyout options:

1. 90 Days same as cash-You pay only the invoice amount and a $49 initial payment within 90 days of the delivery date.
2. 65% buyout option-If you wish to own the merchandise outright after 90 days, you may purchase it at 65% of the balance left on your account. For example: After six months, you wish to purchase your merchandise outright and the balance on your agreement is $500. The 65% buyout option will allow you to buy the merchandise for $325.

Q – What documents are needed for the approval process?

The following documents are required for an approval:

1. Application (you can either download or apply on line).
2. Photo ID
3. Bank routing number and account number from your account
4. Debit or credit associated with your account. Payroll cards cannot be accepted.

Q – What is the initial payment?

There is a $49 initial payment that will be collected after you have been approved and the contract is generated. There is no fee if the application is declined.

Q – Am I able to make payments at the Store?

All payments are auto draft from your account. The store cannot take payments.

Click Here To Apply!