Buy Bedding Now, Pay Later: Best Stores for Budget-Friendly Bedroom Upgrades

sleep now pay later

Looking to upgrade your bedroom without draining your wallet? We’ve gathered the top online retailers where you can buy bedding now and pay later with flexible financing options—so you can sleep in luxury tonight and handle the bill later. Whether you’re after organic sheets, plush comforters, or stylish duvet covers, these stores make it easy to transform your space with zero stress upfront.

🛏️ Why “Buy Now, Pay Later” Bedding Makes Sense

Redecorating your bedroom should feel exciting—not financially overwhelming. With buy now, pay later (BNPL) options, you can spread out payments over time with services like Affirm, Klarna, Afterpay, and Shop Pay. These platforms often offer interest-free terms if paid on time and can be approved instantly, making your dream bed a reality today—not next month.

đź›’ Top Online Stores to Buy Bedding Now and Pay Later

Here are the best places offering quality bedding, check out these top online stores that offer deferred billing with payment plans, so you can buy bedding now and pay later!

1. LilySilk – Affordable Luxury Bedding with Klarna

If you’re dreaming of silk pillowcases, duvet covers, and ultra-soft sheets, LilySilk delivers high-end comfort with Klarna’s easy installment plans. Enjoy 4 interest-free payments or extend it further if needed.

Key Features:

  • Pure Mulberry silk sheets
  • Klarna buy now, pay later
  • Free shipping over $69

2. Lifekind – Organic Mattresses with Klarna Flexibility

Lifekind specializes in certified organic mattresses free from toxins, ideal for anyone with sensitivities or just looking to sleep cleaner. With Klarna, you can spread out your payments and still invest in top-tier quality.

Key Features:

  • GOTS-certified organic materials
  • Handmade in California
  • Klarna buy now, pay later

2. Ashley Homestore – Stylish Sleep Solutions with Klarna

Find the perfect mattress without breaking your budget at Ashley Homestore. Their massive selection and frequent sales get even better with Klarna’s flexible payment options.

Key Features:

  • Wide variety of sizes and styles
  • Frequent discounts and bundles
  • Klarna 4 interest-free payments

3. Wayfair – Mattress Deals Delivered Fast with Klarna

Wayfair offers thousands of mattresses for every comfort level and budget — all shoppable with Klarna’s stress-free payment plans.

Key Features:

  • Huge inventory from top brands
  • Fast, often free shipping
  • Klarna split payments available

4. West Elm – Sustainable Sleep Meets Klarna Convenience

Sleep in style with West Elm’s eco-conscious mattresses. From firm to plush, they offer elegant sleep solutions and Klarna lets you pay at your pace.

Key Features:

  • GREENGUARD Gold Certified
  • Partnered with top brands like Casper
  • Klarna flexible financing

5. Pottery Barn – Premium Mattresses Made Affordable with Klarna

Pottery Barn’s high-quality mattresses are built for both comfort and longevity. Klarna lets you enjoy luxury now and pay later.

Key Features:

  • Durable, stylish designs
  • Organic and sustainable options
  • Klarna interest-free payments

6. Pottery Barn Kids – Cozy Kids’ Mattresses with Klarna Options

Give your little ones the comfort they deserve. Pottery Barn Kids offers safe, non-toxic mattresses with Klarna payment plans to ease the cost.

Key Features:

  • GREENGUARD Gold Certified
  • Perfect for cribs, toddlers, and big kids
  • Klarna pay in 4 or monthly plans

7. eLuxurySupply – Hotel Comfort at Home with Klarna

Get hotel-level comfort without the steep price tag. eLuxurySupply mattresses are plush, affordable, and easy to pay off with Klarna.

Key Features:

  • Memory foam and hybrid options
  • Veteran-owned brand
  • Klarna payment flexibility

8. Walter Drake – Budget Mattresses Made Easier with Klarna

Walter Drake keeps it simple and affordable. Their mattress offerings are great for guest rooms or budget makeovers — with Klarna making it easier than ever.

Key Features:

  • Classic, budget-friendly styles
  • Easy online ordering
  • Klarna buy now, pay later

9. Amazon – Mattress Variety + Klarna Convenience

From budget buys to name brands, Amazon has something for every sleep style. Add Klarna to the mix, and your perfect mattress is just a few clicks (and payments) away.

Key Features:

  • Endless mattress selection
  • Fast Prime shipping
  • Klarna available at checkout

10. Slumberland – Trusted Brands, Flexible Klarna Payments

Slumberland offers curated, top-quality mattresses from brands you trust — and Klarna lets you split the cost for a more manageable investment.

Key Features:

  • In-store and online selection
  • Trusted name in sleep comfort
  • Klarna installment plans

Get Free Catalogs to See Buy Now Pay Later Options

Stores that take PayPal Credit for Snuggle Now, Pay Later

The following online stores sell bedding AND accept PayPal, so you can choose PayPal Credit (formerly Bill Me Later) at checkout to make monthly payments on bedding. Make no payments with no interest if balance is paid in full in 6 or 9 months. Pay no Interest if paid in full in 12 or 18 months with minimum monthly payments.

Click here for more buy now, pay later stores. 

🛏️ Why “Buy Now, Pay Later” Bedding Makes Sense

Redecorating your bedroom should feel exciting—not financially overwhelming. With buy now, pay later (BNPL) options, you can get cozy and stylish bedding today while spacing out your payments over weeks or months. Whether you’re moving into a new place, refreshing your space, or prepping for guests, BNPL gives you the freedom to shop smarter without compromising on quality or comfort.

🧾 What to Know Before Choosing a BNPL Option

  • Check for interest or fees: Most BNPL services offer 0% interest if paid on time, but always read the fine print.
  • Stick to your budget: Just because it’s split into payments doesn’t mean it’s free—only buy what you can afford!
  • Returns still apply: If you return your bedding, your BNPL payments are usually refunded (but confirm with the store’s policy).

đź’¤ Final Thoughts: Snuggle Now, Pay Later

You don’t need to wait for payday to create your dream bedroom. With buy now, pay later bedding options, you can cozy up in comfort while taking care of the financials at your own pace. Just pick the retailer and payment plan that fits your style—and your wallet.