What is Klarna and how does it work?

Looking for beds on finance? Well Klarna has super-easy and flexible payment options that let you defer or spread the cost of your items.

All you need to do is…

Add items to your basket and go to the checkout

Choose Klarna as your payment method and select one of the two payment plans

Fill in your payment card details

And that's it. No credit checks, no interest, no fees. Hassle free.

As simple as that. Just straight-forward, hassle-free finance.

View the different payment plans View full terms and conditions

Payment plans

To make life easier we offer two simple payment plans:

Pay later

Sleep now, pay later.

For orders between £50 and £100, you can buy your items and then delay payment for up to 30 days to help you manage your finances the easy way.

Don’t worry, Klarna will also let you know when you need to pay via email. You can then easily make your payment online at klarna.com or in the Klarna app.

View pay later FAQ

Pay in 3

This lets you pay for your items in 3 equal interest-free instalments for orders between £100 and £1000.

We will charge your card for the first 1/3 of the total amount when you place your order.

30 days and 60 days later, we will let you know and then automatically charge your card 1/3 each time until the full amount has been paid.

View pay in 3 FAQ

Now you know how it works, why not take a look at our mattresses?

FAQs

General questions

What is Klarna?

Klarna a payment provider that was founded in 2005 and now provided payments solutions for over 60 million people across 90,000 merchants in 14 countries.

Am I eligible?

If you tick all these boxes, Klarna is the payment method for you:

  • Be at least 18 years old
  • Have a UK payment credit or debit card
  • Have a UK residential address

Got it? Great. Let the browsing commence…

What do I need to apply?

When you apply with Klarna, just make sure you have the following:

  • Phone number
  • Email address
  • Billing address
  • UK payment credit or debit card

How do I manage my Klarna account?

Log in to the customer portal at Klarna.com at any time day or night, to review your purchases and settle your monthly statement.

Is my payment information safe?

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

Will a credit search take place against me?

No; the 'Pay later in 30 days' and 'Pay in 3' services don't require an external credit check.

I have cancelled my order. How long will it take until I receive my refund?

As soon as Silentnight has registered your cancellation or your return, the refund will be processed within 5 business days.

I have asked for a refund. How will I be refunded?

If you have paid for your order with card, the refund will be made back to your Klarna Account balance.

What happens to my statement, when I've returned the goods?

Once Silentnight has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.

I haven’t received an email with my statement/payment information.

If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all of your orders and be able to make payments.

Pay later questions

How does Pay later work?

Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have 30 days to try your order and only pay when you’re happy.

What happens if I don’t pay for my order?

Payment is due 30 days after the item is shipped. To help you pay on time, Klarna will alert you two days before payment is due and, if very late, they’ll also send you a text or letter too. If you fail to pay Klarna for your order, your credit score will be affected.

I have been asked to go to Klarna's site. Is this correct?

If you have chosen to Pay later, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.

Can I pay before the due date?

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.

Have you received my payment?

If paying by Pay Later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received the payment confirmation, you can always check the status of your order and payments by logging in at klarna.com/uk.

I've received a statement, but I've not yet received my goods.

You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please call Silentnight to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.

Pay in 3 questions

How does Pay later in 3 work?

Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Silentnight and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.

What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at Silentnight from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.

Can I pay before the due date?

No, this is not currently possible for Pay later in 3 purchases.

FREE UK delivery available

FREE UK delivery on orders over £49

Mattresses and divans delivery service

  • FREE UK delivery to a room of your choice
  • Professional 2-man delivery service

When do we deliver?

We deliver most items between Monday to Friday, 9am-6pm.

How much is delivery for orders under £49?

Orders of or under £49 will come with a £2.50 delivery charge.

Find out more about our delivery service here

60 night comfort exchange

Our comfort exchange gives you 60 nights to get really comfortable before making a decision. If you're still not loving your new mattress within 60 nights from delivery, you can exchange it for another mattress. It's as simple as that.

Here's how it works:

  1. Pick your new mattress on the official Silentnight website
  2. Sleep on it for at least 28 nights as it can take a little time to adjust to a new mattress
  3. If you're not happy after the initial 28 nights you can exchange it for a new mattress, as long as you claim within 60 nights of delivery

Read more about the 60 night comfort exchange

Total Quality Assurance

Before it gets to you your bed has been through a lot

Testing

Superbrands The Sleep Council nbf approved