Flexible Financing Available

Don’t want to pay with cash? Beds To Go makes it easy for you to sleep great tonight with flexible financing options.

There are several Financing options available through Wells Fargo Financial National Bank.

As an added convenience, use our easy online application or visit any Beds To Go location and apply today.


No Credit Check Financing
BEDS TO GO offers 90 Day Same as Cash Financing. If approved, simply bring your approved application number and a photo ID to the BEDS TO GO nearest you. Applying online will save you time and allow you to shop knowing your approved credit limit.

Click Here To Apply!

Frequently Asked Questions:

Q1 – Who is Progressive Finance?

Q2 – How can I be approved for No Credit Check Financing?

Q3 – What is the interest rate/payment?

Q4 – How long is the lease agreement?

Q5 – Are there any buyout options?

Q6 – What documents are needed for the approval process?

Q7 – What is the initial payment?

Q8 – Am I able to make payments at the Store?

Q9 – Who should I contact if I have questions about my account?



Q1-Who is Progressive Finance?

With over 15 years of experience in difficult credit solutions, Progressive Finance has developed a hybrid lease/purchase supplemental program that approves 9 out of 10 applications regardless of your credit history.

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Q2 – How can I be approved for No Credit Check Financing?

Credit approvals are based on two factors:

1. You must be employed for at least 6 months with a gross income of $1,000 a month

2.  You must have an open, active bank account established for at least 3 months with NO returned checks or NSF fees within the last 30 days.

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Q3 – What is the interest rate/payment?

Since this is a lease/purchase program- there is no interest rate. Lease payments are 15% of the invoice per month.

Example: $1,000 invoice = $150/mo payment.

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Q4 – How long is the lease agreement?

All lease/purchase agreements are 12 months.

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Q5 – Are there any buyout options?

Progressive Finance offers early buyout options to customers who wish to own the merchandise outright before the 12 month term is up. There are two buyout options:

1. 90 Days same as cash-You pay only the invoice amount and a $40 initial payment within 90 days of the delivery date.

2. 65% buyout option-If you wish to own the merchandise outright after 90 days, you may purchase it at 65% of the balance left on your account. For example: After six months, you wish to purchase your merchandise outright and the balance on your agreement is $500. The 65% buyout option will allow you to buy the merchandise for $325.

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Q6 – What documents are needed for the approval process?

The following documents are required for an approval:

1. Application (you can either download or apply on line).
2. Most recent paystub
3. Bank Statement from the last 30 days
4. Photo ID
5. Year to Date Pay Stub
6. Voided Personal Check

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Q7 – What is the initial payment?

There is a $40 initial payment that will be collected after you have been approved.

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Q8 – Am I able to make payments at the Store?

Since the financing is handled through Progressive Financing, payments will be submitted to Progressive Financing through Debit Authorization and not BEDS TO GO.

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Q9 – Who should I contact if I have questions about my account?

Progressive Financing will contact you 10 days after receipt of your product regarding your account.

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Click Here To Apply!