Pay Small Small

Do you know you can own a Winco Mattress now and pay later? Take advantage of Winco Foam's unique Financing & Purchase Options. We guarantee that no matter your budget or financial standing, we have a plan that fits you as perfectly as your mattress.


Buy More & Pay Small Small

 It's never been easier to finance your new mattress, and it's never been more affordable! With Winco Foam Mattress, you can get your new mattress now, and pay later.

And the best part? It's risk-free!



Spread in 4 equal installments.



No hidden fees



Pay No interest. Ever!



Get up to ₦300k in shopping credit

How does the WINCO mattress financing work?

1. Select Your Mattress

Pick any Winco Mattress and pay over 6, or 12 months for as low as a 0% interest rate with no hidden fees.

2. Qualify with Zilla

Select "Pay with Zilla" at checkout, provide the required information, and get a decision in real time.

3. Enjoy Better Sleep

With our mattress financing, get better sleep and pay back monthly.


Frequently Asked Questions

Who needs this facility?

Amidst other expenses, it can be difficult to outrightly pay for your mattress. But with Zilla, you can finance your new mattress and pay later

How does it work?

  • Apply for a facility to finance your new mattress
  • Take delivery of your new mattress
  • Pay weekly or monthly

Who qualifies for pay small small?

Who qualifies is subjected to KYC(Know your customer) conducted by Zilla. But here’s a tip: Have a source of income either owned business or through employment

What is the limit?

There are no limits to what you can purchase as long as you qualify for the facility

Who is Zilla?

Zilla is our finance partner. They finance your purchases while you pay back later

Is my data and information protected at Zilla?

Zilla is duly registered and licensed, you have nothing to worry about

What happens when I default on my repayment?

Zilla will contact you to understand your position and give advice.