Up to 60 Months Interest Free on Mattresses & Beds
The best way to buy a new mattress or bed without paying up front is interest free with Latitude - available on every eligible purchase at Best in Beds, from as little as $250. You choose the term that suits your purchase: 6, 12, 24, 48 or 60 months interest free, with no deposit and the same amount to pay each month. The credit sits on a Latitude credit card - either the Latitude Gem Visa or the Latitude Go Mastercard - rather than a store-issued loan, a subtle but important distinction the 2026 ASIC ruling on Harvey Norman and Latitude reminded every Australian retailer to explain clearly.
At Best in Beds, we're a three-generation family business with showrooms across Greater Sydney and the Illawarra, trading since 2003. We're the specialists Sydney and Wollongong customers turn to for mattresses and beds - and interest free is one of the most useful tools our customers use to bring home a better mattress sooner. Below you'll find the plain-English version of how it works, exactly what it costs (including the fees Latitude charges), who's eligible, and how to apply either online or in store.
Whether you're shopping at Prospect, Campbelltown or Warrawong, or you'd like free next-business-day delivery to your Sydney or Illawarra door, this page covers every question worth asking before you apply.
Choose your interest-free term
Latitude offers five interest-free terms at Best in Beds. The longer the term, the higher the minimum spend - pick the one that matches your purchase:
| Interest-free term | Minimum spend | Best suited to |
|---|---|---|
| 6 months | $250 | Pillows, mattress protectors, bedding bundles, small top-ups |
| 12 months | $500 | Bed frames, mattress toppers, kids' mattresses |
| 24 months | $1,000 | Entry to mid-range mattresses and ensembles |
| 48 months | $1,500 | Premium mattresses and adjustable bases |
| 60 months | $2,000 | Flagship mattresses and full bedroom setups |
Approval, eligibility, the monthly credit card fee and the expired interest-free rate are the same across every term - only the minimum spend changes. The two cards accepted at Best in Beds are the Latitude Gem Visa and the Latitude Go Mastercard, both issued by Latitude Finance Australia and both eligible for these interest-free terms.
How interest free actually works
Interest free at Best in Beds is a credit card offer from Latitude Finance Australia - not a Best in Beds payment plan. That distinction matters, and here's the plain-English version:
- Choose your bed. Pick a mattress, bed frame, adjustable base or full bedroom setup at your preferred term's minimum spend (from $250 for 6 months up to $2,000 for 60 months), in store or at bestinbeds.com.au.
- Apply for - or use - a Latitude Gem Visa or Go Mastercard. You can apply online through Latitude in a few minutes, or in store at the counter. If you already hold a Gem Visa or Go Mastercard from a previous Latitude purchase (Harvey Norman, Domayne, JB Hi-Fi and others), you can use it here - no new application needed. Approval for a new card is subject to Latitude's credit assessment and isn't guaranteed.
- Repay across your chosen interest-free term. Latitude's monthly statement asks for a minimum monthly repayment (3% of your outstanding balance or $25, whichever is greater) - but paying only the minimum will not clear your Best in Beds purchase before the interest-free period ends. To use the offer as intended, you'll need to divide your purchase by the number of months in your term and pay at least that amount each month. See the worked examples below.
Two things to keep in mind that Latitude, and now ASIC, want retailers to be upfront about:
- A monthly credit card fee of $11.95 applies for the life of the card, on both the Gem Visa and the Go Mastercard (subject to change). That's a real cost on top of the mattress price - see the worked examples below so you can plan for it.
- Both cards are ongoing credit card accounts. The card stays open after your Best in Beds purchase is paid off, and interest at Latitude's expired interest-free rate (currently 29.99% p.a.) applies to any balance left over if you use another plan type (such as a Deferred Payment or Minimum Monthly plan) or make additional purchases outside the promotion.
Read the full Latitude terms - Gem Visa product page, Go Mastercard product page, and the Key Facts Sheet and Target Market Determination for each - before you apply. Your Latitude credit contract sets out the binding terms and prevails over anything on this page.
What it costs - the full picture
Interest free doesn't mean fee free. Here's every cost you should expect on top of the mattress price, so there are no surprises:
| Cost | Amount | Charged by |
|---|---|---|
| Monthly credit card fee | $11.95 per month on both Gem Visa and Go Mastercard (subject to change) | Latitude |
| Establishment fee | Not currently charged on new Gem Visa or Go Mastercard applications - confirm at the time of application | Latitude |
| Late payment fee | Applies if a monthly payment is missed - refer to Latitude's current Fees & Charges guide | Latitude |
| Interest on any balance not paid off within your chosen interest-free term | 29.99% p.a. (Latitude's expired interest-free rate) | Latitude |
| Interest on new purchases outside this promotion | Latitude's standard purchase rate - refer to your Gem Visa or Go Mastercard credit contract | Latitude |
| Best in Beds product price | As displayed at time of purchase | Best in Beds |
See the "How your monthly repayments work" section further down this page for full worked examples showing the Latitude minimum monthly repayment alongside the higher amount you'd need to pay to clear the purchase within the interest-free period.
Eligibility & exclusions
Interest free at Best in Beds is straightforward, but there are a handful of criteria to be aware of before you apply:
- Minimum spend: $250 (6 months), $500 (12 months), $1,000 (24 months), $1,500 (48 months) or $2,000 (60 months) on a single Best in Beds purchase.
- No deposit required on eligible purchases at every term.
- Available on: mattresses, ensembles, bed frames, adjustable bases, bedroom furniture, pillows, mattress protectors and bedding - any eligible product on bestinbeds.com.au or in our stores.
- Cards accepted: Latitude Gem Visa or Latitude Go Mastercard - both issued by Latitude Finance Australia. Existing cardholders can use their current card; new applicants can apply for either.
- You must be: at least 18 years old, an Australian citizen or permanent resident, with a good credit history. Latitude will confirm eligibility during application — approval is not guaranteed.
- Where you can use it: in store at Best in Beds Prospect, Campbelltown and Warrawong, and online at bestinbeds.com.au. Both cards can also be used at many other participating retailers.
- Cannot always be combined with: some clearance and floor-stock offers may be excluded. Please confirm eligibility with a Best in Beds team member before you buy.
Best in Beds is not the credit provider. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588, Australian credit licence 392145). Best in Beds accepts the Gem Visa and Go Mastercard as payment methods for eligible purchases.
Apply online or in store - Sydney & Wollongong's specialists
You can apply either way, and the eligibility, minimum spend and fees are exactly the same. Here's how each option works in practice:
Applying online
- If you don't already hold a Latitude card, apply on Latitude's website for either the Gem Visa or the Go Mastercard. Approval is usually quick - often within minutes for straightforward applications.
- Once approved (or if you already hold a card), shop mattresses and beds at bestinbeds.com.au.
- At checkout, choose Latitude as your payment method and follow the prompts to complete your purchase on your chosen interest-free term.
Applying in store
- Visit us at Prospect, Campbelltown or Warrawong. Our team will help you find the right mattress or bed for you - same honest advice, no commission-driven pressure.
- Complete the Latitude Gem Visa or Go Mastercard application at the counter - bring photo ID and, if you can, a recent payslip or bank statement to speed things up. If you already hold either card, just present it.
- Once approved, take your bed home or book free next-business-day delivery.
Visit us at:
- Prospect: 27 Rowood Road, Prospect NSW 2148 - 02 8676 7321
- Campbelltown: 20 Blaxland Road, Campbelltown NSW 2560 - 02 4628 1266
- Warrawong (Illawarra): 91–95 King Street, Warrawong NSW 2502 - 02 4274 3485
Call us on 1300 399 676 - we're happy to talk you through the numbers before you apply.
Free Sydney + Illawarra delivery, 100-night trial
Every eligible mattress ordered before 2pm on a business day is delivered free to Greater Sydney and the Illawarra by the next business day - no delivery fee, no hidden charges. Australia-wide road express delivery is also free for customers outside the Sydney/Illawarra zone.
Not sure you'll love it? Every Morrison mattress and most of our mattress ranges are backed by a 100-night comfort guarantee. Sleep on it for up to 100 nights - if it's not right, we'll work with you to find a solution. For those who prefer to collect in person, 24-hour Click & Collect is available at all three showrooms.
Learn more about free next-day delivery, Click & Collect and our comfort guarantee →
Interest free vs Afterpay, Zip, Klarna - what's the difference?
Buy-now-pay-later services like Afterpay, Zip and Klarna are popular for smaller purchases, but they're a different product to a Latitude interest-free credit card plan. Here's a quick comparison for mattress-sized purchases:
| Feature | Latitude interest free (Gem Visa or Go Mastercard) | Afterpay | Zip | Klarna |
|---|---|---|---|---|
| Product type | Credit card — regulated under the National Credit Code | Buy-now-pay-later | Buy-now-pay-later / credit account | Buy-now-pay-later |
| Repayment term | 6, 12, 24, 48 or 60 months on a Minimum Monthly Repayments plan (pay more than the minimum to clear interest free) | 4 fortnightly payments (~8 weeks) | Flexible - typically 3–24 months | 4 fortnightly payments (~6 weeks) |
| Ongoing fees | Monthly credit card fee ($11.95) | None if paid on time; late fees apply | $9.95 monthly account fee (if balance owing) | None if paid on time; late fees apply |
| Approval process | Full Latitude credit assessment | Instant, lighter checks | Credit check on higher limits | Instant, lighter checks |
| Best suited to | Any purchase from $250 spread over months or years | Small purchases you can clear in weeks | Medium purchases with mid-term repayment | Small purchases you can clear in weeks |
Our take: For a mattress or full bedroom setup, a Latitude interest-free plan on the term that matches your purchase usually delivers a comfortable monthly payment that fits normal household budgeting. Buy-now-pay-later services can work well for smaller top-up purchases like a pillow or protector, but the fortnightly repayment schedule on a $3,000 mattress can put real pressure on cash flow. Choose the option that fits your situation - and if you'd like to talk it through, our showroom team is happy to walk you through the numbers.
Responsible use - is interest free right for you?
Even 6 months is a real commitment - and 60 months is a long time. Before you apply, be honest with yourself about a few things:
- Can you comfortably afford the monthly amount needed to clear your purchase within your chosen term (see the worked examples further down for the numbers you'd need to pay on $1,000, $1,800 and $3,000 purchases) plus the $11.95 monthly card fee plus your existing bills, for the full term?
- Are you comfortable holding a Latitude credit card that stays open after the mattress is paid off, with an $11.95 monthly card fee for as long as the card is active?
- Do you have a plan to close or manage the card at the end of the interest-free period, so no balance carries into the 29.99% p.a. standard rate?
If the answer to any of those is "not really", it may make more sense to save toward the purchase, choose a lower-priced mattress that suits your budget, or use a shorter finance term. Our team will happily point you toward a mattress at a price that suits your situation - we'd rather sell you a mattress you're comfortable with than talk you into one that isn't.
If you're struggling with existing debt or need free, independent advice, the National Debt Helpline (1800 007 007) offers free financial counselling - no judgement, no cost.
Important information - Latitude
Credit provided by Latitude Finance Australia ABN 42 008 583 588 (Latitude). Australian credit licence number 392145. This page is an advertisement of, and relates to, credit provided by Latitude. Interest free is available on a Latitude Gem Visa or Latitude Go Mastercard credit card from Latitude Financial Services, on eligible purchases at Best in Beds - minimum spend $250 for 6 months, $500 for 12 months, $1,000 for 24 months, $1,500 for 48 months and $2,000 for 60 months, with no deposit. Terms, conditions and a monthly credit card fee will apply (currently $11.95 on both cards, subject to change). Other credit card fees and charges may apply. The interest free promotion is available on participating Latitude credit cards on a Minimum Monthly Repayments plan - minimum monthly repayments (3% of balance or $25, whichever is greater) apply and will not clear the balance within the interest-free period. Interest is charged at Latitude's expired interest-free rate (currently 29.99% p.a.) on any balance remaining at the end of the interest-free period. Approval is subject to Latitude's credit assessment criteria. Product exclusions apply - see a Best in Beds team member for details.
Page last reviewed: 4 September 2026. If any details on this page differ from Latitude's current terms, Latitude's terms prevail — please contact us so we can correct the page.
