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100 night no risk trial            •            Free shipping            •            Financing at 0%            •            1-888-992-2001

Nest Bedding logo



Pay over time for your Nest Bedding purchase.

Affirm & Nest Bedding have teamed up to offer easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you'll actually pay.

Quick and Easy

Your Affirm account is created using your name, email,mobile phone number, birthday and last 4 digits of SSN.This combination helps Affirm verify and protect your identity.

Real People, Real Support

Affirm has a dedicated team in San Francisco at Affirm HQ,
ready to answer your questions and help out however they can.

What information does Affirm require?
Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your entity.
Why was I prompted to pay a down payment with a debit card?
Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.
How do I pay my bills?
You can pay your Affirm bills online at They accept payment by debit card, bank transfer and check.
Why was I prompted for a checking account?
Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.

For more information contact Affirm at or by calling 855-423-3729.


Checkout is easy, just select Affirm at checkout and enter some basic information for an instant loan decision.


There's no card number to steal, so your account stays secure.


Pick a loan that fits your budget - choose to pay off your purchase at the term of your choosing.


Your loan is complete and we can process your order immediately.





Zibby offers alternative financing for people with low or no FICO scores.

With Zibby’s lease-to-own program, you can lease the things you want today and pay for it over time. Pay the same as cash price if you buy it out within the first 90 days. Applying takes less than a minute and it won’t impact your FICO score.

Get pre-approved now

How it works

  • Get pre-approved
    Complete the online application to find out what your Zibby spending limit is.
  • Shop
    Select the items you want and add it to your cart as you normally would.
  • Choose Zibby
    When you are ready to checkout, select Zibby as your payment method.
  • Checkout
    If you have been pre-approved: You'll enter your phone number, the verification code we will send you, the last 4 of SSN/ITIN, and your payment information.

    If you haven't been pre-approved: Don’t worry, you will be able to complete the application before finalizing your order.
  • Payment
    Your first monthly lease payment is due at checkout. Also due is the cost of items that aren’t leasable like shipping and any applicable taxes. Going forward you’re just responsible for your monthly payments.
Get pre-approved now