A good night’s sleep is essential to your health and wellbeing, and it starts with the right bed. But we understand that a high-quality bed or mattress can be a significant investment. That’s why at Land of Beds, we offer a range of flexible finance options to help you spread the cost and sleep better, sooner.
Whether you’re upgrading your mattress, replacing a worn-out bed frame, or furnishing a new bedroom, this guide will walk you through everything you need to know about buying a bed or mattress on finance, from the options available to how it works, who it’s for, and how we support customers with all types of credit histories.
Why Choose Finance?
Finance allows you to:
- Spread the cost of your purchase over time.
- Avoid large upfront payments.
- Access interest-free options, depending on the provider
- Get the product you need right away, without delay.
We believe that everyone deserves better sleep. Offering finance helps make that goal achievable, whatever your current financial situation.
What Finance Options Are Available?
Land of Beds is a credit broker, not a lender. We work with trusted finance providers to give our customers secure and flexible payment solutions. Depending on the value of your purchase and your preferences, there are two main options available.
1. Monthly Finance via Third-Party Lenders
For larger purchases, we offer finance plans through our external lending partners. These typically allow you to:
- Spread payments over 6 to 48 months.
- Pay in fixed monthly instalments.
- Apply online with a quick decision process.
- Access clear and transparent repayment terms.
This option is suitable for those who want to manage larger purchases more easily over time.
Finance is subject to application, status checks, and affordability. Lending decisions are made by the lender, not by Land of Beds.
2. Klarna Payment Options
For smaller or mid-range purchases, Klarna offers short-term payment flexibility:
- Pay in 30 Days: Try now and pay later.
- Pay in 3: split your purchase into three equal, interest-free instalments.
There are no fees or interest charges when using these options, and approval decisions are handled directly by Klarna.
Klarna’s services are subject to eligibility checks and terms. Missed payments may affect your ability to use Klarna in the future.
How It Works
Purchasing on finance with Land of Beds is simple:
- Choose the bed or mattress that suits your needs.
- Select your preferred finance option at checkout.
- Complete a quick and secure online application.
- Receive a lending decision, often instantly.
- Finalise your order and enjoy better sleep without the upfront burden.
Finance Terms and Compliance
- Finance is provided exclusively by external, FCA-regulated lending partners.
- All credit is subject to status and affordability checks.
- We do not make lending decisions or offer financial advice.
- For Klarna payments, late or missed payments may impact future eligibility.
- Klarna and other lenders have their own eligibility and approval processes.
For full details and terms, please refer to our:
These pages include further information on representative finance examples, eligibility criteria, and full terms and conditions.
To contact us, call 01928 242829, reach out via live chat, or email [email protected].
What If I Have Poor Credit?
We understand that not everyone has a perfect credit score. That’s why we work with a variety of finance providers, some of whom may consider applications from customers with a poor or limited credit history.
While we cannot offer financial advice or guarantee approval, our team can help guide you through the available options and connect you with providers that may be better suited to your circumstances.
If an initial application appears to have been unsuccessful, we may automatically pass your details on to a regulated finance partner who could offer alternative options. They will carry out their own credit checks and affordability assessments before making a decision.
All finance options remain subject to credit checks and affordability assessments by the lender.
Why Buy a Bed on Finance from Land of Beds?
We’ve been helping customers across the UK sleep better for over 50 years. With access to leading brands, free independent expert advice, and a wide range of finance options, we aim to make quality sleep more accessible to everyone.
- The UK’s leading online bed and mattress retailer
- Large product range with the leading brands
- Flexible finance options from FCA-authorised providers
- Transparent pricing and customer-focused service
- Rated excellent on Trustpilot with thousands of independently verified reviews.
- Free nationwide delivery and a secure checkout process
Our mission is simple: to help as many people as possible sleep better, starting with the right bed.
What Customers Say
“Spreading the cost meant I could finally get the mattress I really needed. The whole process was stress-free and straightforward.”
Verified Trustpilot Review
“I was worried about my credit score, but the team pointed me in the right direction. I was able to get the bed I needed without delay.”
Customer Feedback
FAQ
Can I apply for finance with a poor credit score?
Yes, we work with multiple providers, some of whom may consider applications from those with less-than-perfect credit.
How long does the finance approval process take?
Most applications receive a decision instantly, allowing you to proceed with your purchase without delay.
What happens if I miss a payment?
Missed payments may impact your credit score and future eligibility. Contact your lender immediately to discuss options.
Written by Kim Bright
With a strong background in accounts and business operations, Kim discovered her passion for finance while working at a small mobility company, where she spent six years managing everything from payroll and Sage Line 50 to finance setup and end-of-year accounts. Her hands-on experience in both admin and finance laid the foundation for her current role at Land of Beds, where she leads the team with expert financial insight and operational know-how.
Approved by Maria Jones
Maria brings 18 years of experience in the bed and mattress sector to Land of Beds, leading sales strategy and ensuring a smooth, supportive buying experience. Her expertise also informs guidance on VAT relief and finance options, helping customers make confident, informed sleep purchases.