Why You Should Trust Us
Before providing reviews, our team personally researches and tests an array of products and evaluates them on a variety of important factors, including features, performance, pricing, and construction.
When testing adjustable beds, we have a range of sleepers on our team with different body types and sleep styles to achieve the most thorough results.
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Sleep Number 360 M7 Smart Mattress
The Sleep Number 360 m7 is the only Sleep Number model to feature a memory foam layer. The m7 memory foam comfort layer is 5″ thick and offers both the contouring and pressure-relieving qualities that most sleepers expect to feel with memory foam.
The only Sleep Number model exclusively featuring a memory foam layer is the Sleep Number 360 m7. The m7 memory foam comfort layer is 5 inches thick. You should feel both the contouring and pressure-relieving qualities that most expect to feel with memory foam. This layer also works to keep you cool since it absorbs heat and then releases it when you grow too cool.
Are Sleep Number Adjustable Beds Covered By Insurance
Medicare covers the cost of adjustable beds only when theyre prescribed by a doctor. Your doctor will need to explain your need for an adjustable bed. The same is true for most private insurance companies. Check directly with your insurance provider to make sure it offers coverage for a Sleep Number adjustable bed.
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How We Evaluated These Adjustable Beds
Testing adjustable beds is a rigorous, hands-on process. We evaluated each bed for range of motion, durability, noise potential, and usefulness of various features. Practical considerations like cost and ease of assembly also came into play. Our testers include people with different body types and primary sleep positions, which helps ensure our ratings will reflect the experiences of most sleepers.
The Different Types Of Mattress Financing
Every financing option is different, and you will want to pay attention to the details of the offer. They can vary in interest rates, payment options, fees, and more.
The first factor you will want to pay close attention to is the interest rate. While a company may advertise 0% APR, that usually only applies if your credit check comes back stellar. Without a good credit score, the interest rate could be 10%, 20%, or even higher. And you may end up having to pay back interest if you do not pay it off by a certain date.
Next, be sure that you know how long you will have to make monthly loan payments. Some offers are designed to end in a certain number of months. Others have you choose your monthly payment and continue making payments until the mattress is fully paid off. Be wary of this strategy as the accumulation of interest can make your total mattress cost much more than you might expect.
Lastly, there are often added fees associated with financing. Even a 0% APR mattress that you pay off in the designated 12 months might end up costing you more than if you had paid for it up front.
Many trusted mattress retailers, like Purple and Nectar, use Affirm loans through Cross River Bank. This tends to be one of the better options, but still be sure to read the fine print.
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Message From Sleep Number Credit Card
As an FDIC-insured online bank, were unburdened by the expense of traditional brick-and-mortar branches. That means we can pass those savings on to our customers through our market-leading rates. Were a part of Synchronya Fortune 500 company thats been helping consumers reach for whats important for more than 80 years. Were also the leading provider of private-label credit cards in the United States, so we might already be in your wallet supporting one of your favorite retailers.
the best sleep of your life at an affordable price with great financing. Fill out a short online application. You don’t need to select a bed before you apply. After you submit your application, you’ll recieve a credit decision right away. Once approved, well provide you with your account number so you can use today at checkout when you shop online, in store or over the phone.
No Money Down And 0% Apr Financing
*On approved credit. Payment amount based on the twin Casper Element on a six-month loan term at 0% APR. Rates from 0% – 24.95% APR over 6, 12 or 24 months. Eligible on purchases containing a mattress and/or adjustable base. Estimated payment amount excludes taxes and shipping fees. Offer subject to change at any time. See for details.
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Keep Your Credit Cards Balances Low
Sometimes the inevitable happens, like a flat tire or emergency root canal, and you have no choice but to charge it to your credit card and carry a balance for a while. Just make sure you never carry a balance of more than 30% of your credit card limit.
That means if you have a $1,500 credit card you never want to carry a balance over $500. Once you exceed that 30% threshold it starts to damage your credit score. Charging your credit card to the max, or higher, starts to hurt your credit score as much as a missed payment.
Best For Debt Consolidation
Who’s this for? A is a good choice if you’re looking for a personal loan to finance debt consolidation.
When you’re approved for a Marcus debt consolidation loan, you can use direct payments to send money to up to 10 creditors, which helps ensure that funds are used to directly wipe out your debt. To choose this option, you will need to provide your creditors’ account numbers and addresses, as well as the amount you’d like paid.
Once the funds are sent to your creditors, now you’ll just need to pay off the Marcus personal loan. This is why debt consolidation can be an instrumental way to feel more in control of your debt and to pay off multiple debts faster.
Additionally, there are no sign-up fees, prepayment fees or late payment fees. You can get approved for up to $40,000 and have the funds deposited into your bank account in up to four days.
Plus, when you enroll in AutoPay, you’ll receive a 0.25% reduction in the interest you’re charged. And even if you choose not to use AutoPay, Marcus still offers fixed rates for the entire life of the loan, so once your rate is locked in, you don’t have to worry about it changing at any point during the life of the loan.
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Sleep Number Remote Not Working
The firmness of a Sleep Number bed is controlled via a remote or SleepIQ app.
Have trouble with the remote? Don’t fret as troubleshooting isn’t challenging. Two AA batteries run the Sleep Number 360 smart bed remote. In addition to following the remote’s set-up process, users need to ensure their bed is not only plugged in but also all the connections are secure.
When a remote stops working, inflating or deflating the mattress isn’t possible. The remote can stop working mainly because of two reasons
· Kinked hose
· Loss of power connection
If the bed’s Firmness Control System is not running as you try to deflate or inflate, it means that the system isn’t getting enough power. If that’s the case, push the power cord into the wall and system’s base.
If it is because of a kinked or loose hose connection, check to ensure the hose isn’t lined at the bed’s base and mattress. A kinked hose connection is also common with theFLEXFIT 3 SMART BASE. If this is the case, check the connection of the hose at the pump.
Another issue that affects a remote is the display not working. If the display light is dimmed or not working, consider changing the batteries. When doing that, insert the batteries and battery cover properly.
Learn how to set up the Sleep Number bed remotein this video.
Most Popular Sleep Number Beds
The most popular beds in the Sleep Number brand are the Classic 360® c2 and the Innovation 360® i8 Smart Bed. The first makes the list because it offers a lot of design for the price. The second does because it has every Sleep Number bell and whistle they offer.
Classic 360® c2
The Classic 360® c2 is the baseline model among all Sleep Number 360 beds. No fancy foam layers. No expensive base. Just 2 inches of fabric and foam on top of the eponymous, adjustable air chamber that basically makes a Sleep Number bed. Its affordable for a Sleep Number mattress and you can still adjust ho firm it feels. Its a budget option, but one with the most attractive mattress feature Sleep Number sells.
Innovation 360® Smart Bed i8
The Innovation 360® Smart Bed i8 is 12 inches thick with a soft and breathable fabric cover. The 6-inch comfort layer in the i8 uses two different types of foam for support and pressure relief. There is also a special material in the surface of the mattress that releases heat so the mattress keeps its cool. This bed has the dual air chambers that you can adjust to find the right firmness, SleepIQ® tracking, the temperature-balancing surface and the Responsive Air® feature that will add or release air as you shift at night to make the bed more comfortable.
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No Credit Neededsimple Fast Transparent
Dont Let Credit Issues stop you from buying what you want. With Koalafis high-tech, innovative decisioning theres a good chance youll be instantly approved for financing, even if your credit score is low. 85% of our applicants are approved because we dont work the same way traditional financing companies do. Our data scientists use artificial intelligence to continuously improve our process and provide you with better purchasing options. The Koalafi process is fast and easy with no hidden fees.
Best For Quick Approval
Who’s this for?Discover Personal Loans offer same-day approval and can disburse your funds as early as the next business day as long as your application was submitted without any errors and the loan was funded on a weekday . This makes it a very appealing lender for when you really need the money in a pinch for that emergency home fix or car repair.
While there are no origination fees, Discover does charge a late fee of $39 if you fail to repay your loan on time each month. This lender also doesn’t charge a prepayment penalty for paying off your loan before the term ends. Plus, Discover Personal Loans accepts applicants with good credit.
Similar to the Marcus personal loan, If you’re getting a debt consolidation loan, Discover can pay your creditors directly. Once you’re approved for and accept your personal loan, you can link the credit card accounts so Discover will send the money directly. You just need to provide information such as account numbers, amount you’d like paid and payment address information.
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Where We Got The Data
The credit card application process isnt particularly transparent.
Generally, you fill out an application form online or in person, and wait for a response to pop out. It often seems like you dont have much control over the result.
Given how unclear the process is, its probably not a surprise that lenders dont tell us which credit bureaus they work with.
What that means is that we gathered this information from people who applied for cards from Synchrony.
Whenever you apply for a loan of any kind, the lender is likely to check your credit report. When a credit bureau receives a request for a copy of your report from a lender, the bureau takes note of that request.
These hard pulls on your credit report will stay on record for two years after the date of the inquiry. Each hard pull will also reduce your credit score by a little bit.
We used CreditBoards.com to collect the majority of the data about Synchronys use of TransUnion report.
People use the website to gauge their chances of qualifying for certain cards. After they apply for a card, users report information like their income, credit score, the bureau that the hard pull appeared on, and whether they were approved or not.
Other borrowers can compare themselves to others on the board to see if they have a good chance of getting a card.
We use just the last three years worth of data to make sure were offering the most up-to-date info we can.
How Is Your Credit Score Calculated
Your credit score is based on the information your creditors share with the credit reporting agencies, known as bureaus. Each bureau is a privately owned and operated entity. They each use their own specific formulas and algorithms to analyze the information on your credit report to calculate your credit score.
While your credit score may differ between the credit bureaus, they all use the following components as part of their credit score calculation process, and each component is similarly weighted in your credit score by both bureaus:
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Inside The Sleep Number 360 Smart Bed
The best part about the Sleep Number 360 Smart Bed is its customizability. That starts with the various configurations available for the bed itself. I tested the $3,800 king FlexTop P6 mattress, the $2,100 FlexFit 1 traditional base and two $850 DualTemp mattress pads. All together, that comes to $7,600.
Since were comparing the 360 bed to queen-size competitors from Beautyrest, Eight and Winkbed, I priced out the queen version of the bed I tested it comes to $5,500.
Whether its a king or a queen bed, the 360 Smart Bed by Sleep Number, with optional accessories like the FlexFit 1 base and the DualTemp pads, is expensive. See how it stacks up against other connected beds in the chart below.
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Sleep Number 360 P5 Smart Bed
- Price: $$
- Type: adjustable air bed
- Height: 10 inches
Designed for pressure relief, the p5 Smart Bed has a 4-inch comfort layer that contours to your body. It has all the same adjustable features as other Sleep Number mattresses.
Close to 12,000 reviews rate this mattress 4.7 out of 5 stars. Again, over 9,000 of these reviews are 5 stars. Reviewers praise the mattresss comfort and adjustability.
Unhappy customers describe the mattress as noisy and uncomfortable.
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How To Choose The Best Smart Bed For Your Sleep
Tech is a key aspect of smart mattresses and smart beds, and most work with a companion app, giving you access to greater controls and sleep tracking data. Its easy to fall down the rabbit hole of endless smarts with these beds, so wed encourage you to think about what you actually want before you start shopping.
For example, if overheating in bed is your biggest sleep killer, then a smart bed that offers dual-sided cooling should be top of your list. You may also like to check out our best cooling mattress guide they arent smart, but they are powerful allies in the fight against hot sleeping.
Dealing with back, neck and joint pain? Then the best smart mattress for you is one that offers tens of hundreds of different firmness levels that you can customize to your body weight via app or remote control. Smart air mattresses are normally top of the tree here, but wed also recommend looking at a smart bed or bed base with adjustable positioning. The most well-known position for pressure relief is Zero Gravity, as this simulates a feeling of weightlessness. Integrated massage will also ease any pain, so look for either two or four-zone massage too.
- Drift off on the best pillows for sleeping
What Our Research Means To You
Our goal is to help you identify the credit report that will most affect your chances of getting a card from Synchrony.
Thanks to our research, youll know that your TransUnion credit report will be the one that Synchrony looks at.
Ideally, anything you do to improve your score with one bureau will likely improve it at all three. However, focusing on one, especially if there are errors, can make things easier.
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Sleep Number Mattresses Pros And Cons
In a sense, Sleep Number mattresses are just like any other: The top section is the comfort layer, while the bottom section provides support.
But instead of using layers of supportive foam or an innerspring system, the bottom portion of a Sleep Number mattress features an adjustable air chamber. It can be inflated or deflated to your preferred level of firmness.
Unfortunately, Sleep Number doesnt disclose what the comfort layer is made of. Reviewers describe it as cushiony but not necessarily plush. Some Sleep Number mattresses have thicker comfort layers.
Trial Period And Returns
Sleep Number gives you 100 nights to test drive their beds. There are a lot of moving parts built into a Sleep Number bed. We would recommend you take 30 nights of sleeping before deciding whether to keep any mattress. We would recommend taking at least that amount of time for the Sleep Number. You may need some time to figure out which number/firmness at which you sleep most comfortably.
If you decide the mattress, or any of the individual layers, doesnt work for you, just initiate a return within 100 days. Sleep Number has to authorize it before you can expect a return. Once you initiate a return, you have 30 days to get it back to Sleep Number. You will pay to return your mattress. After all of that, and after your returns have arrived at Sleep Number, youll have to wait 21 days for your refund.
But you can exchange your mattress for an upgrade or downgrade. Youll have to pay the difference for the upgrade. Youll get a refund of some portion of the difference if you choose a lower-priced model.
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