3 Popular Bed Retailers Who Offer Payments In Instalments


Let’s face it – you can’t put a price on quality, and when it comes to beds, it’s worth paying extra for something perfect.

While not all of us have loads of money to drop on a new bed, spreading the cost in instalments makes things a whole lot easier.

Even if you have the money to go, if you can get credit with a reasonable interest rate, it makes sense to spread the cost because you can put your capital into other uses, like decorating your bedroom and buying new furniture.

This article explores three popular retailers offering payments in instalments with reputable lenders to help you buy in the right place.

Let’s jump in!


Let’s start with Bedstar.

Bedstar is a family-run business with a history stretching back to 1964, when the company was founded. They specialise in beds and mattresses, selling branded products that are hand-tested to ensure they are fit for purpose.

Bedstar offers flexible finance on all orders over £300.00. You can choose to pay in 3 interest free instalments, or pay up to 30 days later, no interest, no fees, when you pay on time.

Paying after delivery allows you to try before you buy and is the easiest way to shop online.

The finance partner is Klarna, which is rated as excellent with a Trustpilot score of providers (4.0/5 based on over 196,218 reviews). This makes it more likely that you will get good customer service if you need it.

Want to try a mattress before you buy it? Unlike online-only retailers, Bedstar has a physical shop! Try out a mattress before purchasing in their Knaresborough store, where there are two floors of mattresses and sleep experts to help you find the perfect mattress.


Founded in 2000, Mattressman is a leading supplier of mattresses, beds and bedding, offering Klarna to help you spread the cost of your purchase. You can pay in thirty days, in three instalments, or take out finance credit.

Klarna finance credit lets you spread the cost between six and 36 months, and it is up to retailers to have plans interest-bearing or interest-free. In Mattressman’s case, the interest rate is 0%, so it won’t cost you anything to borrow.

Klarna is a reputable lender overall with a 4.0/5 Trustpilot rating, but there are sometimes issues with the service than can impact customer experience.

Overall, Mattressman is an excellent mattress and bed shop, and Klarna is a good option for 0% credit and payment term flexibility.


You can’t get better than Emma mattresses if you want a quality mattress with a substantial free night trial. The Emma Original is a Which? Best Buy six years in a row, and they offer more expensive hybrid mattresses for firmer support.

There are many consumer-facing mattress-in-a-box brands – Emma, Simba, Otty – and retailer-facing hybrid mattress brands like Sleepsoul. Emma stands out with UK manufacturing facilities, a 200-night trial, free delivery and free returns.

You can finance an Emma mattress with 0% credit with DivideBuy over 3 to 12 months, which has a 4.5/5 rating on Trustpilot.

Another decent mattress-in-a-box brand, Otty, also offers 0% finance over 3 to 12 months with DivideBuy (Otty mattresses are a bit firmer).

Should you buy a mattress/bed on credit?

It makes sense to spread the cost of a new mattress/bed if you can put your money to better use elsewhere. For example, you might want to decorate your bedroom or purchase a new bedroom furniture suite.

The downside to credit is you are tied into making repayments over the payment term, so you need to be sure you can afford them.

Our advice is simple – carefully consider the affordability of repayments and don’t finance an amount you will struggle to repay. It is better to be comfortable than stretched, and you will sleep better at night knowing you can repay.

If you enjoyed this article, perhaps read the mattress buyer’s guide  to ensure you purchase the perfect mattress.



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