Payment & Finance
Finance Options
Spread the cost of your new bed or mattress with flexible payment options — designed to make premium sleep accessible for every budget.
- Flexible Payments
- At checkout
- Secure Checkout
- SSL encrypted
- UK Only
- Subject to approval
- No Hidden Fees
- Transparent pricing
Overview
Pay your way
At MnM Beds and Mattresses, we believe quality sleep should be within reach. You can always pay in full at checkout — but where available, we also offer flexible payment options so you can spread the cost of your purchase over time.
Our checkout is powered by Stripe, one of the world's most trusted payment platforms. All available finance and instalment options are displayed clearly before you confirm your order — no surprises, no small print traps.
“We make it straightforward to invest in the sleep you deserve — with full transparency at every step.”
- Options shown clearly at checkout
- Powered by Stripe
- SSL encrypted & PCI compliant
- No data stored on our servers
The process
How it works
Three simple steps from browsing to sleeping soundly in your new bed.
Choose Your Product
Browse our full range of beds, frames, and mattresses. Add your chosen item to your cart as normal.
Select Payment Option at Checkout
At checkout, choose your preferred payment method — pay in full, or select a finance or buy-now-pay-later option where available.
Complete Payment Securely
Your payment is processed through our SSL-encrypted, PCI-compliant checkout. Once confirmed, we get your order into production straight away.
Why choose MnM Beds and Mattresses
The benefits
Whether you pay in full or choose a finance option, every MnM Beds and Mattresses order comes with the same premium experience.
Spread the Cost
Split your purchase into manageable payments so you can invest in quality sleep without stretching your budget all at once.
Secure Checkout
All transactions are processed via SSL encryption and PCI-compliant payment infrastructure. Your card details are never stored on our servers.
No Hidden Surprises
The price you see is the price you pay. Any applicable interest or fees are shown clearly before you confirm your order.
Fast Approval
Where finance options are available, approval decisions are typically made in seconds — no lengthy waiting, no paperwork.
Eligibility
Who can apply?
Finance and instalment options are subject to the following criteria. Standard card payments are available to all customers regardless of eligibility.
- Available to UK residents only
- Applicants must be aged 18 or over
- Subject to status and affordability assessment
- Credit and identity checks may be carried out by the finance provider
- Terms, rates, and availability vary by provider and order value
- Finance is not available on all products. Eligibility is shown at checkout.
Important notice
Finance and credit products are regulated by the Financial Conduct Authority (FCA). MnM Beds and Mattresses acts as a credit broker, not a lender. Credit is provided by third-party finance partners subject to their own terms and conditions.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
Representative APR and example repayments will be shown at checkout where applicable.
FAQs
Common questions
Still have questions? Our customer care team is available Monday–Saturday 9am–6pm.
Where a buy-now-pay-later or monthly instalment option is available at checkout, yes — you can spread your payments over the offered term. Available options are displayed clearly before you confirm your order.
Finance and instalment options may not be available on every product or order value. Eligibility is shown at the checkout stage so you can see exactly what is available for your order.
You select your preferred payment method at the checkout. Simply choose the option that suits you best before entering your card or finance details.
Yes. All payments are processed through an SSL-encrypted, PCI-compliant checkout. We do not store card numbers or sensitive financial data on our systems.
You can request to cancel your order before it has been dispatched. If finance has already been arranged, please contact our customer care team and they will guide you through the cancellation process with the finance provider.
Ready to shop?
Find your perfect bed
Browse our full collection and choose your payment option at checkout — pay in full or spread the cost with available finance options.