No Credit Needed Plan

If you’re one of the many people who prefer not to carry credit cards, the Sleep Train No Credit Needed plan may be right for you!

Apply online now – if you’re approved, simply bring in your application’s approval number, your photo ID and a copy of your photo ID, and the required items listed in the FAQ section to the Sleep Train store nearest you. Call or visit a Sleep Train location for complete details. This credit plan does not check FICO credit scores and only applies to in store sales.


Apply Now For No Credit Needed Plan


No Credit Needed Plan: Steps to Apply

What are the requirements needed for the No Credit Needed plan?

  • You must be 18 years or older
  • Valid Social Security Number or ITIN
  • Employment or source of income
  • Routing and account numbers for an open and active checking account
  • Credit or debit card

Call 1-844-219-6860 or Chat Now with an agent for more information.

Lease-purchase plan not available in WI, MN, VT & NJ


What if I do not have a checking account?

You cannot qualify without a checking account. For approval you must have an open and active checking account.