HELPcard is a Revolving Credit Card with an available credit limit that can be used multiple times.

Once approved, simply bring your approved application number and photo identification to the Metro Mattress location nearest you or place your order online. Call or visit a Metro Mattress store location for complete details.  You can access and manage your HELPcard account or Progressive account online to make a payment, change your payment plan, manage early buyout options, and more!


Who is The HELPcard?

The HELPcard was founded in 1983 and is a revolving credit card. In addition to consumer financing for retailers such as mattresses, we also finance medical services and other retail environments.

What is the Interest Rate?

35.99 % Fixed APR

Are there Promotional Programs Available?

Yes, promotional programs are available at invoice thresholds:

  • $0 ‐ $598.99 = Standard Charge
  • $599.00 ‐ $1998.99 = 6 Months Deferred Interest
  • $1999.00 and above = 12 Months Deferred Interest

What will my payment be?

Minimum Payment is $25, 4% of Highest Balance, or 1% plus interest and fees, whichever is greater.  For instance, on a purchase of $2000, the payment would be $83 per month.

How much credit will I receive?

Credit limits are based on each individual and range from $600 to $7,000.

When I apply, is there an inquiry to a Credit Bureau?

Yes, if the application is sent to The HELPcard, there will be an inquiry from a Credit Bureau. Most of time the credit report is obtained from Equifax.

When is my payment due?

The first payment is due approximately 25 days after the merchandise is delivered.


Who is Progressive Leasing?

With over 15 years of experience in difficult credit solutions, Progressive Leasing has developed a hybrid lease/purchase supplemental program that doesn’t require credit to get approved.

How can I be approved for no credit needed leasing?

Application requirements:

  • You must be 18 years
  • Valid Social Security Number or ITIN
  • Routing & account numbers for active checking account
  • Credit or Debit Card

What is the interest rate/payment?

Since this is a lease/purchase program there is no interest rate. Lease payments are 16.67% of the amount leased per month. Example: $1,000 leased = $166.67/mo payment.

How long is the lease agreement?

All lease/purchase agreements are 12 months.

Are there any buyout options?

Progressive Leasing offers early buyout options to customers who wish to own the merchandise outright before the end of the 12-month lease. There are two buyout options:

  1. 90 Day Payment Option – You pay only the leased amount and a $49 initial payment (plus applicable sales tax) within 90 days of the delivery date.
  2. 53% Buyout Option – if you wish to own the merchandise outright after 90 days has elapsed, you may purchase it at 53% of the balance left on your account. For example: After six months, you wish to purchase your bedding outright and the balance on your agreement is $500 – the 53% buyout option will allow you to buy the merchandise for $265.

Are any payments due immediately?

A small, upfront initial payment of $49 (plus applicable sales tax) will be collected during the lease creation process from your debit or credit card provided within the application.

Where do I send my payment?

Payments will be automatically deducted from your banking account on every date that you are paid by your employer. If you are interested in exercising a buyout option you may contact Progressive Leasing at 1-877-898-1970.

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

Progressive Leasing will start payments approximately 10 days after the merchandise is delivered. However, if you need to contact them for any questions regarding your account they may be reached at 1-877-898-1970.

How do I update my mailing address and/or phone number?

You can change your address or telephone number by contacting Progressive Leasing at 1-877-898-1970.