Federal interest this fiscal year: —National debt (Nov 5): $40,556,120,784,983How we count
0% APR deals

Furniture and mattresses

Store financing at furniture and mattress retailers.

True 0%

BrandOfferVerdictEndsThe fine print
AshleyBedding, 72 months0% APR with equal monthly payments for 72 months on qualifying beddingTrue 0%Dec 7, 2026
  • Same-as-cash ladder at Ashley (6 to 24 months) is deferred interest, not 0%
Verified Nov 3, 2026
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Mattress Firm48 to 72 month financing0% APR with equal monthly payments: 48 months on $4,999+, plus 60 and 72 month plans in storeMinimum: $4,999 for 48 monthsTrue 0%Jan 19, 2027
  • The 36-month plan is deferred interest, not 0%
  • Advertised promo fees could not be confirmed on the lender page
Verified Nov 3, 2026
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Tempur-PedicWells Fargo financingConfirm before you buy0% for 36 months, 48 months with a base bundleTrue 0%Ongoing
  • 28.99% after promo
  • Equal monthly payments
Verified Oct 26, 2026
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Deferred interest: proceed with caution

BrandOfferVerdictEndsThe fine print
WayfairStore card, 6 to 24 monthsNo interest if paid in full in 6 to 24 monthsDeferred interestOngoing
  • Full interest back to day one if not paid in full
  • Deferred interest: one dollar left at the deadline brings back all interest from purchase date
  • Separate 36 to 60 month plans charge 9.99%
Verified Nov 3, 2026
See offer ↗