The Origin One is $799. At checkout, you can choose Affirm, Klarna, or Afterpay to split the total into smaller payments. No prepayment penalty. Checking your rate will not affect your credit score when the provider offers prequalification.
Three windows. Same $799 total.
The numbers below are representative examples for a $799 mattress at typical APRs, so you can compare the shape of each plan. The actual rate, term, and monthly payment are set by the financing partner you choose at checkout.
3 months
/ month, representative
Often offered by Klarna, Afterpay, or Affirm on shorter terms. Promotional 0% APR plans may be available for qualified buyers, but not all buyers will qualify.
6 months
/ month, representative
The middle path. Long enough to ease the month, short enough to clear before the year is out.
12 months
/ month, representative
Lowest monthly, longest runway. Best for buyers who prefer smaller payments over a longer period.
Who's actually lending the money
PrettSun is a mattress company. We do not lend money, we do not run a credit check, and we do not set interest rates. At checkout you will choose from the available financing partners, and the provider you choose decides whether to approve the purchase and on what terms.
U.S. · Monthly payment plans
A familiar U.S. pay-over-time option for larger purchases. Affirm may offer monthly payment plans, with APR and term shown before you confirm.
Learn more →U.S. & EU · Pay in 4 or 6 – 36
Pay-in-4 is the well-known option. They also offer longer interest-bearing plans at checkout, depending on your eligibility.
Learn more →U.S. · Pay in 4
Strictly the four-installment plan. No interest if you pay on time. Late fees are set by Afterpay and listed in their app.
Learn more →How it works, at checkout
You stay on the PrettSun site for steps one and two. Steps three and four happen on the partner's site or in their secure widget — PrettSun never sees your full payment information.
Pick your firmness, pick your size. Cart total is $799, taxes and shipping calculated at checkout.
You'll see the option alongside card, Apple Pay, and Google Pay. Selecting it opens the lender list.
The partner runs a soft credit check to prequalify you. Your score is not affected. Most decisions come back in seconds.
You see the APR, term, and total cost of credit before you sign. The mattress ships on the same schedule as a normal order.
Soft credit check
Prequalification never touches your score. The hard check only happens if you accept the loan.
Most decisions, instant
PrettSun sees only "approved" or "not approved" — never your credit file. The lender handles it.
No prepayment penalty
Pay it off in month two or month twelve — the math works the same. No early payoff fee from us or the partner.
If you have a question we have not answered here, write to us. A person answers, usually within four hours.
The APR is set by the financing partner, not by PrettSun. Most plans land between 10% and 36% APR, with shorter Pay-in-4 plans sometimes offered at 0%. Your actual rate depends on the partner, your credit profile, the term you choose, and the order total. You will see the APR, the total cost of credit, and the total payable amount before you sign anything.
No. The prequalification step is a soft credit check, which does not appear on your credit report and does not move your score. A hard credit check happens only if you accept a loan — and that is true with every lender we work with. If a partner is going to do a hard check, they tell you before they do it.
Yes. PrettSun does not charge a prepayment penalty, and neither do our financing partners. You can pay off the balance early, in part or in full, at any time. The remaining interest stops accruing the moment the balance is paid.
Eligibility is set by each partner. In general, you need to be at least 18, a U.S. resident, have a valid SSN, and have a credit profile the partner can underwrite. Affirm, Klarna, and Afterpay may offer eligibility or prequalification checks that do not affect your score, so you can see whether you are eligible before you commit to a plan.
You will see a different list of payment options at checkout — usually a different partner, a shorter term, or simply a regular card payment. Being declined by one partner does not affect your eligibility with the others, and it does not appear on your credit report. You can still buy the Origin One the normal way.
No. PrettSun is a mattress company. We do not lend money, we do not extend credit, and we do not run credit checks. The "pay over time" option at checkout is a referral to a third-party financing partner. We display representative monthly prices so you can compare plans, but the rate, term, and final cost of credit are decided by the partner, not by us.
A note on who is doing the lending
Rates and terms are set by our financing partners. PrettSun does not lend or extend credit directly. The monthly payment examples on this page are representative — calculated for a $799 order using representative APR assumptions in each term range — to help you compare the shape of each plan. Your actual rate, term, monthly payment, and total cost of credit will be set by the financing partner you choose at checkout, and will be shown to you in full before you sign. Loan approval, underwriting, and servicing are handled entirely by the partner. PrettSun receives no part of any interest you pay. If you have a question about an existing loan, please contact the partner directly.
Still thinking it over
The mattress is the same at every price — the same $799, the same foam, the same 365-night trial for direct purchases from prettsun.com. Pay in one click or pay over time. Either way, the product and direct-purchase benefits stay the same.
rest well, PrettSun · Houston, Texas