Finance & Payment Options
Spread the cost of your new mattress or bed in a way that suits you — from interest-free instalments over a few weeks to 0% APR credit over up to two years.
Choose how you'd like to pay
Every option below is provided by a trusted third party. You apply on their site, get a decision in minutes, and pay them directly — not us.
Interest-free credit
Spread the cost over 10, 12 or 24 months at 0% APR, or up to 36 months with interest. Our calculator shows exactly what you'd pay.
Pay later or pay in 3
Pay up to 30 days after your order, or split it into 3 interest-free instalments collected automatically every 30 days.
Pay in 3, or pay in 30 days
Check out with your PayPal account and split the cost into 3 interest-free payments, or pay nothing for 30 days.
Shop now, spread the cost
Spread the cost over up to 48 months. Checking your eligibility won't affect your credit score, and no deposit is required.
Pay in 4 over 6 weeks
Split your order into 4 interest-free instalments. You pay the first at checkout and the rest every two weeks.
How to apply
Whichever provider you choose, it works the same way.
Fill your basket
Add everything you need on mattressman.co.uk and head to checkout as normal.
Pick your payment option
Choose your finance or instalment provider at checkout and complete their short application.
Get a decision in minutes
Most decisions are instant. Once you're approved we'll confirm your order and book your delivery.
Terms & Conditions
Please spend responsibly. You must be 18 or over, terms and conditions apply. Mattressman Ltd is authorised and regulated by the Financial Conduct Authority (FCA registration number 702476).
Mattressman Ltd (FRN 702476) acts as a credit broker, not a lender. We can introduce you to a limited number of lenders who may be able to offer finance for your purchase - these are the only lenders we’ll introduce you to, and we don’t receive any commission for doing so. You may be able to get finance from other lenders too, so we’d always encourage you to shop around and compare quotes. Credit is subject to status, affordability, and age, and minimum spend applies.
If you’d like to know more about how we handle complaints, just ask for a copy of our complaints handling process.
For purchases made using finance if you are dissatisfied with our response as your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on financial-ombudsman.org.uk.
