Need the bed now, not the whole bill now.
12 equal monthly payments at 0% interest, with a one-time $90 admin fee. Finance your mattress, adjustable base, and even the taxes. All on one simple plan.
Powered by Flexiti
Zero Interest
Nothing extra on top of the price. Just 12 equal payments.
Equal Payments
Split your purchase into 12 equal monthly installments that fit your budget.
Admin Fee
One-time $90 administration fee added to your financed amount.
Finance the Tax
Finance the full amount including GST/PST. Nothing extra out of pocket at checkout.
How It Works
Three steps. About five minutes.
Pick Your Bed
Mattress, base, or the whole bed. Use the calculator to see the monthly payment.
Apply With Flexiti
Quick application in store or online. Get approved in minutes with a simple credit check. No SIN required.
Sleep Tonight, Pay Monthly
Your order ships right away. Pay over 12 months at 0% interest ($90 one-time admin fee). Pay it off early anytime with no penalty.
See Your Monthly Payment
Enter your total amount to see exactly what your 12 monthly payments will be.
Ready to Apply?
Have these ready and you'll be approved in minutes.
Valid ID
Driver's license or government-issued photo ID for verification.
Basic Personal Info
Name, date of birth, address, email, and phone number.
Employment Info
Employer name, income, and occupation. SIN is optional. Not required.
Get Approved Before You Visit
Apply from your couch and walk in knowing exactly what you can spend. Nothing to sign, nothing owed.
- ✓ Know your budget before you shop
- ✓ Saves time in store. Go straight to picking your mattress
- ✓ No obligation. Approval doesn’t commit you to anything
You’ll be redirected to Flexiti’s secure site. On approved credit. $90 one-time admin fee applies. Standard rate of 31.99%–34.99% applies after promo period or on missed payments.
Already Have a FlexitiCard?
You’re already approved. No new application needed. Just bring your card and shop.
Financing FAQ
Yes. 0% interest for the full 12 months ($90 one-time admin fee) as long as you make your equal monthly payments on time. If payments are missed or the balance isn't paid off within the 12-month promotional period, a standard interest rate of 31.99%–34.99% applies.
It's a one-time administration fee charged by Flexiti. It's added to your total financed amount and spread across your 12 monthly payments. About $7.50/month.
Yes. Your full purchase amount including GST and PST is financed. Nothing extra out of pocket at the time of purchase.
Absolutely. You can pay off your balance early at any time with no penalty. (The one-time $90 admin fee still applies.)
Approval is based on a credit check. If you are not approved, talk to us in store. There are other ways to make it work.
Yes. Once approved, your FlexitiCard stays active. You can use it for future purchases at Modern Mattress and thousands of other Canadian retailers without reapplying.
Ready to Sleep Better?
Calculate your payment, or apply in store today. It takes about five minutes.
0% APR financing for 12 months through Flexiti on approved credit. $90 one-time admin fee included in financed amount. Standard rate of 31.99%–34.99% applies after promotional period or on missed payments. Equal monthly payments required. Subject to credit approval. See store for details.
