Best Rent to Own Mattresses — No Credit Check (2026)
A bad mattress costs you sleep every single night. Rent-to-own mattresses get you sleeping better starting tonight — no credit check, no upfront cost, and small weekly payments. All mattresses available are brand new.
1. FlexShopper — Best Online Mattress Rental
Wide selection of queen and king mattresses available for rent-to-own online. Ships directly to your door. All mattresses are brand new — never used.
| Credit Check | None required |
| Payment Example | ~$14-22/week for a queen |
| Total Cost | $500 queen = ~$720-840 over full term |
| 90-Day Buyout | Yes — ~$550 total (much better value) |
2. Rent-A-Center — Name-Brand Mattresses
Sealy, Serta, and Simmons Beautyrest mattresses available in-store. Free delivery and setup. Return anytime with no penalty if you change your mind.
| Credit Check | None — income + references |
| Brands | Sealy, Serta, Simmons Beautyrest |
| Payment Example | ~$15-25/week for a queen |
| Total Cost | $600 queen = ~$900-1,100 over full term |
FAQ
Are rent-to-own mattresses new or used?
Brand new. Rent-to-own stores lease new mattresses — not used ones. You are the first person to sleep on it.
Can I return the mattress if I dislike it?
Yes — you can return it at any time during the lease with no penalty. You lose the payments made but have no remaining debt or credit impact.
Get a New Mattress Tonight
No credit check. Brand new mattresses. Delivered to your door.