What is Splitit and how does it work?

Looking for beds on finance? Use your existing credit card with Splitit to pay over time, keeping payments low and manageable on your terms.

All you need to do is…

Add items to your basket and go to the checkout

Choose Splitit as your payment method and select how many months you want to split it

Fill in your credit card details

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

Note the maximum number of months available to split payments over can change based on the total value of your order

As simple as that. Sleep now and pay later on terms that suit your needs.

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


What is Splitit?

Splitit is an instant payment solution that enables you to pay for your new bed with an existing credit card and split the cost into small interest-free monthly payments, without any additional credit checks or fees.

How does Splitit Work?

You choose how many months you want to split the payments. At the time of purchase, you will only be charged for your first monthly payment. The remaining balance won’t be taken straight away, but will be held on the credit card until the final payment is made. After each monthly payment, the amount held from the available balance will be reduced to the new remaining balance.

Note that the held amount might show as ‘pending transaction’ on your credit card statement.

Here is an example of how Splitit works for a purchase of £600 in 3 instalments with a credit card:



Pay today


£400 held on card

2nd payment


£200 held on card

Final payment


£0 held on card

Am I eligible?

Since Splitit works using your existing credit card limit, there are no applications or credit checks when purchasing with Splitit.

Which cards are supported by Splitit?

Splitit is supported by Visa and Mastercard credit cards only.

How do I track my Splitit payments?

Each month, your credit card statement displays the instalment charge amount for that month. You will also see the authorisation/hold for the outstanding amount dropping by one instalment every month. In addition, Splitit will email you after each successful instalment charge so you can keep track.

Splitit also sends you details to your email address so you can log in to the Splitit online account to check your instalment status and view other information regarding your purchase. You can login at any time by clicking ‘Login’ at the top right of the Splitit website.

Can I pay off my instalments early?

Yes, you can. This option is available on your Splitit online account or you can contact our customer care at support@splitit.com.

What happens to my credit score if I use Splitit?

If you pay with a Splitit instalment plan there is no impact on your credit score. The bank simply sees the individual instalment charges each month. If one of your monthly payment authorisations is declined, there is still no effect on your credit rating; it is simply a declined charge.

Who do I contact if I have any queries or need support regarding my Splitit payments?

You can contact Splitit by phone on 0800 086 9112 or via email at support@spiltit.com

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


Superbrands The Sleep Council nbf approved