If you’re hesitant to pay in full for a mattress you haven’t slept on yet, don’t.
Nectar has teamed up with Affirm to let you make easy bite-sized payments each month—with or without credit.
Basically, pay as you go for 365 nights.
We think you’ll fall in love with your Nectar and live happily ever after, but if that’s not the case, it’ll be the easiest breakup imaginable. Refunds are quick and simple, and our team are on hand to help as much as you need!
Use Affirm to pay monthly — without a credit card or credit
Because $42 feels so much better than $898
Spend your 365-nights trial paying as you go
Find out instantly if you qualify for financing with affirm.
Seeing if you qualify is actually pretty fun
Just click the button below. Add a few pieces of information. It takes moments to see your results. And it won’t impact your credit.
Select Affirm financing at check out. Short application, no hard credit checks.
“Splitting up the cost into manageable chunks was crucial for us.”
— Ben K.
Common Affirm Questions
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments.
Here are the steps in the Affirm loan application process:
- Select to pay with Affirm at checkout.
- Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent information otherwise you may experience difficulty with your checkout.
- To ensure that you’re the person making the purchase, Affirm will send a text message to your cell phone with a unique authorization code.
- Enter the authorization code into the application form.
- Within a few seconds, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over time. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
- If you would like to accept Affirm’s financing offer, click “Confirm Loan” and you’re done.
Going forward, you’ll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date we the merchant completes processing your order.
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help
Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment. Please follow these steps to make a payment:
- Go to www.affirm.com/account
- You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
- Enter this security pin into the form on the next page and click “Sign In.”
- You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
- You can make a payment utilizing a debit card or ACH bank transfer.
Your rate will be 0%-36% APR. For example, a $800 purchase might cost $72.21 over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lender. Options depend on your purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses.
365-Night Home Trial
We give you 365 nights to try your Nectar risk-free.
Forever Warranty™
We guarantee Nectar for as long as you own the mattress.
Free Shipping & Returns
Free shipping & returns on every order in the contiguous U.S.
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