Mattress Stores Near Me Open Sunday — No Credit Options

Affiliate disclosure: NoCreditBed earns a commission when you buy through some of our links. We are not a lender. Approval, terms, and rates are determined by the financing company.

Many mattress shoppers can only visit stores on Sundays. Here are the major chains open Sunday with no-credit-check financing.

Major chains open Sunday with Acima/lease-to-own

• Ashley HomeStore: Most locations open 11am-7pm Sunday. Acima available.
• Rooms To Go: Open Sunday. Multiple lease-to-own programs.
• Bob’s Discount Furniture: Open Sunday. Acima at most locations.
• Mattress Firm: Most open Sunday. Acima or Affirm.
• Big Lots: Open Sunday. Progressive Leasing or Acima.
• Macy’s: Open Sunday. Macy’s Card or Acima at some locations.

Apply With Acima →

Major chains CLOSED Sunday

• Hobby Lobby furniture (closed Sunday).
• Some Costco locations (varies by region).
• Many independent furniture stores.

Sunday shopping strategy

1. Pre-apply with Acima online before going to store. Get pre-approved.
2. Visit Saturday or Sunday morning when stores are less crowded.
3. Bring proof of income (paystub, bank statement).
4. Bring valid ID and steady-residence proof.

Verdict

Most major furniture chains are open Sunday with Acima or alternative no-credit options. Pre-apply online for fastest in-store experience.

Reminder: Approval and terms vary. Verify rates and fees before signing any agreement.

Why Sunday Mattress Shopping Is Complicated

For many people, Sunday is the only day that works for a major purchase trip. Work schedules, childcare, and weekday obligations push big shopping decisions to the weekend — and Sunday specifically tends to be when people have the most uninterrupted time to visit stores, compare options, and make decisions without rushing. The problem is that mattress store hours vary significantly on Sundays, and some locations close earlier, reduce their staff, or are not open at all.

Knowing which stores in your area are reliably open on Sundays — and which offer no-credit financing at the point of sale — saves you from driving to a closed storefront or sitting through a sales pitch only to find out the financing option you were counting on is not available.

National Chains With Sunday Hours

Mattress Firm is one of the most widely available mattress retailers in the US and is generally open on Sundays, typically from 11am to 6pm or 10am to 6pm depending on location. Hours vary by region and some franchise locations differ from corporate standards, so checking your specific store on Google Maps or the Mattress Firm website before visiting is recommended. They offer in-house financing and often partner with third-party lease-to-own providers at checkout.

Ashley HomeStore locations that include mattress departments are also commonly open on Sundays, often with extended hours. Ashley carries a broad range of mattress price points and works with multiple financing partners, including options that do not require traditional credit approval. Their floor staff can walk you through financing options on the spot.

Bob’s Discount Furniture stores with mattress sections are typically open on Sundays, and they are well known for working with shoppers who have limited or no traditional credit. Their in-store financing process is quick and their staff is generally trained to help customers understand payment plan options without pressure.

Big-box retailers like Walmart and Target carry bed-in-a-box mattresses and are open on Sundays. While they do not have the in-store sleep consultants that dedicated mattress stores offer, they do have flexible payment options including layaway and buy-now-pay-later services at checkout. For budget shoppers or people who already know what type of mattress they want, these stores can work on a Sunday when specialty stores are closed.

What to Ask About When You Arrive

Before spending time on a showroom floor, ask the salesperson directly which financing programs are available in-store today. Some locations have lease-to-own tablets set up at the register that let you apply immediately. Others rely on a finance manager who may not be available on Sundays with a reduced staff. Confirming this upfront prevents you from going through the process of choosing a mattress only to discover that the no-credit option you needed is not accessible that day.

Ask whether the financing program requires a minimum purchase amount. Some lease-to-own approvals are only triggered for purchases above a threshold — often $200 or $300. If you are buying just a mattress without a frame or accessories, confirm the purchase qualifies.

Ask about same-day or next-day delivery as well. Many stores that are open on Sunday offer delivery scheduling at the time of purchase, and some markets have next-day delivery available even for weekend purchases. If you need a mattress quickly, this is worth confirming before you leave the store.

Online Options That Work Any Day of the Week

If you cannot find a store with the right combination of Sunday hours and no-credit financing, online retailers solve both problems simultaneously. Major bed-in-a-box brands operate 24 hours a day, seven days a week. You can browse, apply for financing, and complete a purchase on a Sunday evening without interacting with store hours at all.

Lease-to-own programs like Acima work with online retailers the same way they work in stores. You apply on the retailer’s website, receive an approval decision quickly, and complete the purchase online. Delivery is typically scheduled for within a few business days, so a Sunday purchase often means a Wednesday or Thursday delivery depending on your location.

The advantage of shopping online on a Sunday extends beyond just availability. You are not rushed, you can compare multiple options side by side, read independent reviews, and take your time making a decision without a salesperson nearby. For a significant purchase like a mattress, that unhurried process often leads to better decisions than a compressed in-store experience.

Preparing for a Sunday Store Visit

Call the store on Saturday or check their Google listing for Sunday-specific hours before making the trip. Google often shows whether a store is “usually busy” or “not too busy” on Sunday afternoons, which can help you time your visit to avoid long waits with reduced staff.

Bring proof of income if you plan to apply for lease-to-own financing in-store. Most programs require a recent pay stub or bank statement showing regular income deposits. Having this ready speeds up the approval process and avoids delays while the store is busy with other customers.

Know your size and firmness preference before going in. Sunday stores often operate with fewer staff, which means less personalized guidance. If you have done your research ahead of time — knowing you want a queen-size medium-firm mattress under $600, for example — you can move through the showroom efficiently and avoid spending two hours on a decision that could have taken 30 minutes.

Measure your bedroom doorway before you go if you live in an apartment or older construction. Standard mattress delivery crews can usually handle narrow stairwells, but knowing your constraints ahead of time lets you ask the store about their delivery process and whether they charge extra for difficult access. Some retailers factor this into the delivery fee; others do not, which can be an unwelcome surprise on delivery day.

Getting the Best Deal on a Sunday

Sunday is often one of the better days to negotiate at mattress stores. End-of-weekend pressure means sales staff may be more flexible on price or willing to include accessories — a mattress protector, pillows, or free delivery — to close a deal before the week resets. This applies especially at independently owned stores rather than large corporate chains, where individual salespeople have more discretion over what they can offer.

Do not be afraid to ask whether the current sale price is the best available or whether there is a better deal online that the store can match. Many retailers will match their own website pricing in-store. If a Sunday sale is running, that pricing often applies equally to financed purchases — confirm this with the finance paperwork before you sign anything.