If you can buy a mattress online with a debit card, chances are you can finance it with Klarna using the service’s fantastic virtual one-time card feature. This lets you set up a credit line for a pre-approved amount that can be used at any retailer from within the Klarna application, regardless of whether the merchant has partnered with Klarna or not, using a credit card number that Klarna creates for the transaction.
Your financing options aren’t impacted by using a one-time card, either. Depending on where you reside and the programs offered in your region, you can choose to split the cost of the mattress over three or four months in equal interest-free instalments, with the first due at the time the order is placed; defer the entire payment for 30 days at no added cost; or finance the balance over up to 36 months with interest.
You’re still entitled to all of the benefits that retailers offer too, such as Nectar’s 365 Home Trial, providing customers with a full refund if they decide they don’t like the mattress at any time during their first year of ownership. Provided you’re eligible for the refund, Klarna will issue it in full (or any instalments you’ve made to date if there’s still a balance owing) to the payment method on file.
As we said before, you can use Klarna at any online retailer that accepts debit cards. If you’re feeling a little lost and need a place to start, here are all the top retailers where you can buy a mattress with Klarna today. Again, the important thing to remember here is that you can buy one from anywhere that accepts debit cards — you can even use Klarna on Amazon — so shop around for the best price on the mattress you want.
Where to Buy a Mattress with Klarna (US)
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Best of all, because Klarna is providing the credit, chances are you’re covered by the same guarantees credit card providers in your country offer, making it easier to receive a refund if the item doesn’t arrive or it’s faulty (you need to be able to prove this) and the retailer doesn’t want to play ball by offering a replacement or a refund (you need to be able to prove this too), making it that little bit safer to shop online.