Sleep easy with our 0% finance options

Choose a flexible finance option that suits you with Klarna

Beds on finance - Pay later with Klarna

What is Klarna and how does it work

Looking for beds on finance? Well Klarna is a super-easy and flexible finance option that lets you 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

How to apply for credit

Fill in a few details, such as your mobile number and billing address-no card info required!

Get notified by email

Receive payment instructions for Klarna via email

As simple as that. No interest charges, just straight-forward, hassle-free finance.

View the different payment options View full terms and conditions

Payment plans

To make life easier we offer a selection of flexible payment plans.

Pay later

Sleep now, pay later.

You can buy your item then delay payment for up to 30 days to help you manage your finances the easy way.

View pay later FAQ

Pay in 3

This lets you pay for your item in 3 equal instalments for orders between £100 and £500.

We’ll take the first payment when your order, then the two remaining payments after 30 and 60 days.

Don’t worry, we’ll also let you know when you need to pay via email.

View pay in 3 FAQ

Slice it

We also offer 0% finance and let you spread your costs for up to 36 months.

Here’s how you can qualify:

12 Months - 0% interest free (minimum order £300)

18 Months - 0% interest free (minimum order £500)

24 Months - 0% interest free (minimum order £750)

36 Months - 0% interest free (minimum order £1000)

View slice it FAQ

Slice it calculator

1. Enter your finance amount
2. Choose your finance product
Monthly Repayment Amount
  • Monthly repayment amount: £
  • Deposit you pay today: £
  • Loan period: months
  • Rate of interest: %
  • Total amount payable: £

Representative example

Item Value (cash price) £833.00
Deposit £0.00
Loan period 12 months
Representative APR 18.9% APR
Rate of interest 0% p.a.
12 monthly payment £69.41
Total amount payable £833.00
View full FAQ


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 bank account
  • 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
  • Date of birth

How do I manage my Klarna account?

Log in to the customer portal at 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?

Yes, we will perform a credit check for the 'Slice it' service. The 'Pay later' and 'Pay in 3' services don't require a 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. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.

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, where you will find all of your orders and be able to make payments.

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
  • Includes set-up of your bed or mattress, plus removal and takeaway of the packaging
  • FREE next day delivery available on rolled mattresses

When do we deliver?

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

How long does delivery take?

Mattresses and divans are delivered within 7-14 days. Bedding is delivered within 3-5 days.

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

  • All our mattresses, upholstered bases and headboards are made in the UK
  • All of our product meet European standards and exceed British standards
  • All our Upholstered beds and mattresses ordered through Shop.Silentnight are made to order
  • This means they are not stored for prolonged periods of time and are shipped to you direct from our factory.


  • Accredited onsite laboratory to bring the best products to you
  • Every Silentnight mattress type is tested to ensure it exceeds all British standards
  • Silentnight products are fully certified by the Forest Stewardship Council®(FSC®) FSC-C104461
  • We are full members of the Furniture Industry Sustainability Program.
Superbrands The Sleep Council nbf approved