Sleep better now.
Pay over time with Affirm.

Flexible financing with Affirm

Cloverlane offers financing through Affirm. Get your new mattress or frame today and make payments over time. It only takes a minute to see if you’re approved. Apply now.

How it Works

Choose Affirm at Check Out

Simply select Affirm at checkout and complete the easy application to get started.

Pick Your Payment Plan

Choose the payment period that works best for you, with options from 3-24 months*.

Make Monthly Payments

Pay with your debit card, checking account, or Affirm Savings account for all Affirm purchases on or in the app.

As Low as 0% APR for Up to 24 Months*

Applying won’t affect your credit score, and Affirm offers many options for consumers with varying credit ratings. APR and term length subject to eligibility.

*Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for important info on state licenses and notifications.

Affirm Financing FAQs

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:

  1. Select to pay with Affirm at checkout.
  2. 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. Note that your personal information is subject to Cloverlane’s Privacy Policy and Affirm’s Privacy Policy. Please ensure that all of this information is correct, your own and is consistent with other information you have provided to us, otherwise you may experience difficulty with your checkout.
  3. 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.
  4. Enter the authorization code into the application form.
  5. 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.
  6. 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 set your notification settings through your Affirm account, and you can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date the merchant completes processing your order.

Yes, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

Before each payment is due, Affirm will send you reminders via email and SMS (you may change notification settings in your Affirm account) 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
  • 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.

Affirm won’t charge you late fees or penalties of any kind, ever.

Affirm loans vary between 0%-36% APR* simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.