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Buy now, pay later mattresses: Where can I buy a mattress on finance?

There's nothing quite like a good night's sleep, so if your mattress needs changing but your budget won't allow it, here's where you can buy now, pay later for a new mattress.

Mattress brands with buy now, pay later options Browse
Mattress discount codes and deals Shop now and save
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By

Georgia-Rose Johnson

Reviewed by

Melissa Stewart

Updated

Fact checked
DormeoDormeo
Klarna!

Buy now, pay later with Klarna!

Get deal
Klarna!
Nectar SleepNectar Sleep

Buy now, pay later at Nectar with Splitit

Get deal
Simba SleepSimba Sleep

Buy now pay later with DivideBuy

Get deal
Emma MattressEmma Mattress

Buy now, pay later with DivideBuy

Get deal
UK mattress retailers with buy now, pay later options
  • Warning: Late repayments can cause you serious money problems. For help, contact the MoneyHelper.
Simba Sleep

Simba Sleep

Simba offers finance through DivideBuy and Splitit. DivideBuy is if you want to pay by debit card (minimum order £400) and Splitit is for credit card payments (minimum order £350).
  • Finance with DivideBuy
  • 10 year warranty
  • 200 night trial
  • Free shipping

Starting at
£399+

Shop now
Learn more
Simba's hybrid mattress offers a unique, patented titanium Aerocoil® spring-comfort layer and you can get it now but pay for it later with DivideBuy.
Simba Sleep
Deal

Buy now pay later with DivideBuy

Spread the cost of your mattress with Simba's partnership with DivideBuy. T&Cs apply.
Get deal
Nectar Sleep

Nectar Sleep

Nectar Mattress allows shoppers to buy now, pay later with Klarna and DivideBuy.
  • Finance with Splitit
  • Lifetime warranty
  • 365 night trial
  • Free shipping

Starting at
£1,049+

Shop now
Learn more
Nectar's mattress has an adaptive memory foam layer and can be purchased Klarna and DivideBuy.
Nectar Sleep
Deal

Buy now, pay later at Nectar with Splitit

Get a peaceful night with peace of mind when you buy now and pay later at Nectar. T&Cs apply.
Get deal
Emma Mattress

Emma Mattress

Emma Mattress has partnered with popular BNPL service DivideBuy.
  • Finance with Klarna
  • 10 year warranty
  • 200 night trial
  • Free shipping

Starting at
£319+

Shop now
Learn more
DivideBuy offers customers several payment options so that you can choose the right one for you.
Emma Mattress
Deal

Buy now, pay later with DivideBuy

Verified Today
Sleep better without breaking the bank. Buy a new mattress now and pay for it later with DivideBuy. T&Cs apply.
Get deal
Wayfair

Wayfair by Wayfair

Popular furniture retailer Wayfair offers its customer 3 BNPL options with ClearPay and DivideBuy.
  • Finance with Direct
    Klarna
  • 5 year warranty
  • 100 night trial
  • Free shipping

Starting at
£49.99+

Shop now
Learn more
Wayfair has one of the world's biggest selections of furniture and now offers its customers the chance to shop with well-known finance suppliers ClearPay and DivideBuy.
Wayfair
Deal Clearpay!

Buy furniture now, pay later with Clearpay!

Ready to invest in some new furniture? Shop now and pay later with Wayfair and Clearpay. T&Cs apply.
Get deal
Dormeo

Dormeo by Dormeo

Buy a new mattress from Dormeo and pay for it later with Klarna.
  • Finance with Klarna
  • 20 year warranty
  • 60 night trial
  • Free shipping

Starting at
£149+

Shop now
Learn more
Dormeo has a huge range of mattresses suitable for everyone and now customers can shop now and pay later with Klarna.
Dormeo
Deal Klarna!

Buy now, pay later with Klarna!

Update your bedroom with the latest furniture styles and pay later with payment service Klarna! T&Cs apply.
Get deal

Looking to save? Check out these mattress deals and discounts:

Simba Sleep
Deal

Discover a great night's sleep with Simba mattress

Treat yourself to a great night's sleep with a new mattress from Simba! T&Cs apply.
Get deal
Simba Sleep
Deal

Free delivery on every order

Enjoy hassle-free shopping with free delivery from Simba Sleep! Choose your preferred delivery option at the checkout. T&Cs apply.
Get deal
John Lewis & Partners
Deal

Up to 50% off selected bedding

Verified 2 days ago
Shop bedding at John Lewis now and get up to 50% off! Treat yourself to a good night's sleep! T&Cs apply.
Get deal
Simba Sleep
Deal

Up to 60% off at Simba Sleep

Shop today at Simba with up to 60% off now! T&Cs apply.
Get deal
Dreams
Deal Popular!

Up to 30% off selected Silentnight mattresses

Get half price selected Silentnight bedding when bought with a bed or mattress at Dreams now! T&Cs apply
Get deal
Kally Sleep
Code Top deal!

Get 30% off sitewide

Special offer! Shop at Kally Sleep to score a 30% discount off your order. Shop now. T&Cs apply.
Show code
Emma Mattress
Deal Top deal!

Sale: Get up to 50% off everything!

Shop Emma Mattress' biggest January sale and get 50% off everything! T&Cs apply.
Get deal
Nectar Sleep
Deal TOP SALE!

Sale: 40% off a Nectar Mattress

Shop Nectar Sleep now and score 45% off a mattress, plus get a free named day delivery! T&Cs apply.
Get deal
Bensons for Beds
Deal Top deal!

Get £25 off when you spend over £250 with Bensons for Beds

Sign up to the newsletter to get an exclusive £25 off when you spend over £250. Turn your bedroom into a sleep sanctuary with a brand-new bed from Bensons for Beds. T&Cs apply.
Get deal
Nectar Sleep
Deal TOP SALE!

Sale: 40% off a Nectar Mattress

Shop Nectar Sleep now and score 45% off a mattress, plus get a free named day delivery! T&Cs apply.
Get deal
Dreams
Deal

Mattresses available for quick delivery

Shop Dreams now and enjoy mattresses available for quick and free delivery! T&Cs apply
Get deal
Bensons for Beds
Code Free delivery

Free delivery on orders over £100

Bensons for Beds offer Free Delivery on orders over £100. They will even deliver it to a room of your choice (excluding soft furnishings). T&Cs apply.
Show code
Bensons for Beds
Deal

Shop mattresses from £99

Time to invest in a new mattress? At Bensons for Beds, sleep wellness lies at the heart of everything they do, that’s why they offer a range of mattresses to suit every need with prices from as little as £99! T&Cs apply.
Get deal
Eve Sleep
Deal

Eve pillows from £39

In two minds about the pillow for you? Don’t be. Eve is there to help you find the one that floats your boat and you will have 14 nights to make up your mind. Prices starting from as little as £39! T&Cs apply
Get deal
Wayfair
Deal

Shop Wayfair mattress toppers from £15

Not quite ready to replace your mattress but looking for some extra comfort? Shop mattress toppers from only £15 at Wayfair now! T&Cs apply.
Get deal
Dreams
Code Free delivery

Free delivery on all orders

Free delivery on all orders, with no minimum spend at Dreams. So shop now and get your order delivered to your door for free! T&Cs apply.
Show code
Emma Mattress
Deal

Buy now, pay later with DivideBuy

Verified Today
Sleep better without breaking the bank. Buy a new mattress now and pay for it later with DivideBuy. T&Cs apply.
Get deal
Nectar Sleep
Deal

Buy now, pay later at Nectar with Splitit

Get a peaceful night with peace of mind when you buy now and pay later at Nectar. T&Cs apply.
Get deal
Kally Sleep
Deal Free delivery

Free delivery on orders over £39

Spend £39 or more at Kally Sleep and get your order delivered for free! T&Cs apply.
Get deal
Kally Sleep
Deal

Find your perfect pillow at Kally Sleep

Whether you're a side sleeper, back sleeper, deep sleeper or light sleeper, you're sure to find the perfect pillow for you at Kally Sleep. T&Cs apply.
Get deal

Frequently asked questions

We’ve answered some popular questions about buying a mattress and paying later.

Can I pay monthly for a new mattress?

Yes, there are lots of buy now, pay later (BNPL) deals on mattresses, available from stockists such as Wayfair, Simba, Dorneo, Emma Mattresses and Nectar. Finance options for these mattresses include Klarna, ClearPay, Splitit and DivideBuy. Do your research and find a mattress and a finance option that works best for you.

Can I buy a new mattress on finance without a credit check?

Many companies that sell mattresses offer BNPL deals and it’s a way to split the cost of your purchase into manageable chunks over an agreed time period. Most do a “soft” credit check, which won’t show up on your credit report for other lenders to see. However, if you’re late with your repayments or miss them completely, most BNPL lenders will now report you to a credit reference agency and this could negatively impact your credit score in the future.

Can I get a new mattress if I have a bad credit score?

Yes, it’s still possible to buy a mattress on short-term finance without a credit check, but it’s important to remember that shopping using a BNPL finance option means you’ll need to be able to afford the repayments, otherwise you could harm your chances of getting credit in future.

Can I buy a new mattress using Klarna?

Yes, a number of stores and sites sell mattresses and offer Klarna as a payment option. These include Nectar, Dormeo and Wayfair.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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