by Amerisleep Financing 2026: 0% APR Klarna Payment Plans Explained
Amerisleep finances with Klarna only: 4 payments on orders under $1,000, or 6, 12 or 18 months at 0% APR. Here is how each option fits a real AS3 purchase, how the checkout works, and how financing interacts with the 365-night trial.
Amerisleep finances with Klarna only: 4 payments on orders under $1,000, or 6, 12 or 18 months at 0% APR. The AS3 queen is $1,149 on sale ($1,749 regular) with code BFCM through December 9. Confirm eligibility and terms at checkout.
Amerisleep AS3
9.1/10
All-foam Bio-Pur
Medium 5/10
365-night trial
20-year limited warranty
0% APR via Klarna
- HIVE® has five zones: softer under your shoulders and hips, firmer under your head, lower back and legs.
- Bio-Pur® open-cell memory foam
- 0% APR Klarna plans of 6, 12 or 18 months
- 365-night trial, free returns on mattresses, free curbside shipping in the contiguous U.S.
- Softer edges than a coil hybrid
- Sleepers who want a coil core can look at the AS3 Hybrid
The AS3 queen is $1,149 on sale ($1,749 regular) with code BFCM through December 9 ($600 off the AS2, AS3, AS5 and Organica). Regular prices return December 10.
What this guide covers
How Klarna Financing Works at Amerisleep
Amerisleep offers Klarna as a payment method at checkout. You select Klarna, follow Klarna's steps, and review the plan options available for your order before you confirm.
Pay in 4: 4 payments, available on orders under $1,000. A pillow or a set of sheets can fit this option; a queen mattress at sale price usually does not.
6, 12 and 18-month plans: Klarna offers 6, 12 or 18 months at 0% APR. The AS3 queen at $1,149 sits in the range where these longer plans are the relevant choice. Eligibility is decided at checkout, and the terms shown there are the ones that apply.
For a deeper look at the mattress itself, the AS3 review covers the HIVE® layer, firmness feel, and long-term durability. If you want to compare the full Amerisleep lineup before deciding which model to finance, see all Amerisleep mattress reviews.
Payment Plans: All Term Lengths
Amerisleep's sale prices change with every offer, so the figures below are the ones in effect with code BFCM through December 9. Any financing offer depends on checkout eligibility; taxes and accessories change the total.
Pay in 4
| Plan | Payments | Order size | Notes |
|---|---|---|---|
| Pay in 4 | 4 | Orders under $1,000 | Confirm eligibility and terms at checkout |
6, 12 and 18 Months at 0% APR
| Plan length | APR | AS3 queen price | Notes |
|---|---|---|---|
| 6 months | 0% | $1,149 sale ($1,749 regular) | Shortest of the three plans |
| 12 months | 0% | $1,149 sale ($1,749 regular) | Middle option; confirm eligibility at checkout |
| 18 months | 0% | $1,149 sale ($1,749 regular) | Longest plan; confirm the terms shown by Klarna before accepting |
Check current Amerisleep prices and Klarna options at checkout.
How to Apply for Klarna at Checkout
Klarna is part of Amerisleep's checkout. Choose it as your payment method and follow the steps Klarna shows.
- Add to cart: Select your Amerisleep mattress and size. Do not add accessories solely to change your financing options.
- Proceed to checkout: Fill in your shipping address and contact details on the Amerisleep checkout page as usual.
- Select Klarna as payment: On the payment method screen, choose Klarna.
- Complete the Klarna steps: Follow Klarna's prompts. The plans available for your order are shown there.
- Choose your plan: Review the options (4 payments for orders under $1,000, or 6, 12 or 18 months at 0% APR). Pick the plan that fits your monthly budget.
- Confirm and complete: Confirm the plan and review the payment schedule Klarna provides.
Returning a Financed Amerisleep Mattress
Amerisleep's trial is 365 nights, starting at delivery, with a 30-night minimum before a return. Returns on mattresses are free.
The trial is set by Amerisleep, so choosing Klarna as your payment method does not change the trial window. For how remaining installments are handled after a return, read the Klarna terms shown at checkout.
For the full step-by-step process, see the Amerisleep return policy guide. The warranty process is separate, covered in the Amerisleep warranty guide.
Frequently Asked Questions
Which financing does Amerisleep use?
Klarna only. Amerisleep's financing is 4 payments on orders under $1,000, or 6, 12 or 18 months at 0% APR. Affirm is no longer offered, so you will see Klarna at checkout.
Does Amerisleep offer 0% APR financing?
Yes. Through Klarna, Amerisleep offers 6, 12 or 18 months at 0% APR. Eligibility and the final terms are shown at checkout, so review them before you confirm.
What can I finance with Pay in 4?
Pay in 4 is 4 payments on orders under $1,000. At sale price an AS3 queen is $1,149, so a queen mattress order falls into the 6, 12 or 18-month options instead.
How much does the AS3 queen cost right now?
The AS3 queen is $1,149 on sale ($1,749 regular) with code BFCM through December 9. Regular prices return December 10, so check amerisleep.com for today's price.
Can I return my Amerisleep mattress if I financed it through Klarna?
The 365-night trial applies to Amerisleep mattresses, starting at delivery, with a 30-night minimum before a return, and returns on mattresses are free. Contact Amerisleep to start a return, and read the Klarna terms shown at checkout for how any remaining payments are handled.
What warranty comes with the AS3?
Amerisleep's 20-year limited mattress warranty covers material deterioration causing visible indentations greater than 1.5 inches in the central sleeping area, subject to proper support and the full warranty terms. Years 1 to 10 are full replacement and years 11 to 20 are prorated.
Verdict
Klarna is Amerisleep's only financing, with 0% APR plans of 6, 12 or 18 months.
The AS3 queen is $1,149 on sale ($1,749 regular) with code BFCM through December 9, with a 365-night trial and a 20-year limited warranty. Confirm financing eligibility, fees and the final payment schedule at checkout.
Check the Amerisleep coupon page for active promotions before applying. Compare the total repaid with the cash price; use a plan only if its stated cost and schedule work for you.
Amerisleep AS3
9.1/10
Medium feel (5/10), HIVE® with five zones, Bio-Pur® open-cell memory foam, a 365-night trial, a 20-year limited warranty, and 0% APR Klarna plans of 6, 12 or 18 months. The most complete all-around Amerisleep model.