Interest Free Mattresses - Southern Highlands & Nearby

UP TO 60 MONTHS INTEREST FREE · NO DEPOSIT

Interest Free Mattresses - Southern Highlands & Nearby

Buy your new mattress interest free with Best in Beds Campbelltown - 6, 12, 24, 48 or 60 months on a Latitude Gem Visa or Go Mastercard, no deposit, approved online in minutes or in store. Every brand we stock - Sealy, Yinahla, Sleep Firm, King Koil, Morrison and Eco Kids - is eligible.

Nearest showroom: Best in Beds Campbelltown · Phone 02 4628 1266

Buy a mattress interest free in Southern Highlands

The Southern Highlands is a cool-climate, tree-change region with the Bowral corridor at its centre, Bradman country and a thriving visitor economy. Whether you are setting up a cottage, a family home, a guest room or a new Highlands escape, a better mattress can be planned around your budget. Best in Beds Campbelltown is about 40 minutes south-west, offering a straightforward showroom visit before you commit to a long-term purchase. Buy with no deposit using a Latitude Gem Visa or Go Mastercard and choose the term that suits the purchase: 6 months from $250, 12 months from $500, 24 months from $1,000, 48 months from $1,500 or 60 months from $2,000. The plan is available for a mattress alone or a considered bedroom upgrade, with a sleep specialist available in store to help make the choice clearer.

If you already have a Latitude card from Harvey Norman, Amart or JB Hi-Fi, it works here too. A Gem Visa and Go Mastercard receive the same Best in Beds interest-free terms, so there is no need to apply for another card simply because you are shopping for a mattress. Apply online if you are new to Latitude, or bring your existing card details to the showroom. The $11.95 monthly account fee applies, and interest of 29.99% p.a. applies to any balance left unpaid after the promotional term.

Every brand we stock is eligible

Some retailers restrict interest free to a handful of selected models. At Best in Beds Campbelltown, every mattress in the showroom qualifies, so you can focus on support, feel, size and value rather than a limited finance label. Compare all six brands at your own pace:

  • Sealy - Australia's most trusted mattress brand, including the new Posturepedic Charm collection
  • Yinahla - luxury Australian-made pocket-spring range with 150-night trial
  • Sleep Firm - Australia's Best Firm Mattress 2024, 2025 & 2026 (BedBuyer)
  • King Koil - the full MK2 range including Lexington, Chamberlane, Abelia and Kenwick
  • Morrison - exclusive to Best in Beds, Australian-designed by the Morrison family
  • Eco Kids - Australia's Best Kids Mattress 2024, 2025 & 2026 (BedBuyer)

Bases, ensembles, adjustable frames and headboards are eligible as well, so the same plan can cover a complete bedroom setup.

Free next-day delivery to Southern Highlands and the local area

Our delivery area includes Bowral, Mittagong, Moss Vale, Berrima, Burradoo, Sutton Forest, Exeter, Robertson, Bundanoon, Hill Top, Colo Vale, Braemar, Aylmerton and Welby. Free next-business-day delivery is available only on selected Eco Kids, Morrison and Sleep Firm mattresses in Queen, King or Double sizes when you order before the 2pm business-day cut-off. This is a practical option when a move, a new room or a worn-out mattress cannot wait. Delivery is to the front door of your home or apartment building. Unpackaging, installation and removal of packaging can be arranged for an additional charge by contacting our team in store. For Yinahla, Sealy, King Koil and all single-size mattresses, please allow the standard 7-14 day delivery timeframe. Your order confirmation will make the expected delivery timing clear before delivery is arranged.

Interest free and delivery work together simply: Latitude approves the full purchase amount, we book the normal delivery slot for your eligible product, and you repay in monthly instalments over the selected term. Delivery eligibility does not change the finance tiers.

Visit Best in Beds Campbelltown to try before you finance

Interest free can run for up to five years, so it is worth lying on a mattress before making the commitment. Best in Beds Campbelltown has the full range on display, knowledgeable sleep specialists and free customer parking. Take time to compare firmness, materials and size, then choose the plan that fits your household budget. The showroom is an easy drive from Bowral, Mittagong, Moss Vale and Berrima. Ask about the 100-Night Comfort Guarantee when comparing suitable models - it excludes Sealy only.

Opening hours: Monday to Friday 9am-5pm (Thursday to 7pm), Saturday 9am-5pm, Sunday 10am-4pm.

Live elsewhere in Sydney or the Illawarra? Our sister showrooms carry the same range on the same interest-free terms: Interest Free Mattresses Prospect covers Western Sydney; Interest Free Mattresses Warrawong covers the Illawarra.

How to buy your mattress interest free

Three steps, no deposit, same amount each month.

1

Choose your mattress

Any mattress from Sealy, Yinahla, Sleep Firm, King Koil, Morrison or Eco Kids. Online or in one of our three NSW showrooms.

2

Apply for Latitude — or use your existing card

New customers can apply for a Latitude Gem Visa or Go Mastercard in minutes. Already have one from a previous Harvey Norman, Domayne or JB Hi-Fi purchase? Just use it.

3

Pay the same amount each month

Equal Monthly Payment Plan over 6, 12, 24, 48 or 60 months. No interest on your Best in Beds purchase during the term.

What it works out to per month

12 MONTHS · FROM $500
e.g., a $1,000 bed frame or kids' mattress
  • Latitude payment: $83.33/mo
  • + card fee: $11.95/mo
  • Total: ~$95.28/month
48 MONTHS · FROM $1,500
e.g., a $1,800 premium Sealy or King Koil mattress
  • Latitude payment: $37.50/mo
  • + card fee: $11.95/mo
  • Total: ~$49.45/month
⭐ 60 MONTHS · FROM $2,000
e.g., a $3,000 flagship Yinahla or Morrison mattress
  • Latitude payment: $50.00/mo
  • + card fee: $11.95/mo
  • Total: ~$61.95/month

All examples assume the current $11.95 monthly card fee and every payment made on time. Full terms and additional worked examples on our interest-free page.

Latitude vs Afterpay vs Zip — for a mattress

Buy-now-pay-later suits smaller top-ups. For a mattress you'll be paying off over months not weeks — Latitude is usually the fit.

✓ RECOMMENDED FOR MATTRESSES

Latitude interest free

  • Term: 6, 12, 24, 48 or 60 months
  • Fee: $11.95/month card fee
  • Regulated: Yes — National Credit Code

Afterpay

  • Term: 4 fortnightly (~8 weeks)
  • Fee: None if paid on time; late fees apply
  • Best for: Pillows, protectors, top-ups

Zip

  • Term: Flexible 3-24 months
  • Fee: $9.95/mo account fee (if owing)
  • Best for: Mid-size purchases

See the full head-to-head comparison →

Backed by trial, delivery and warranty

🚚

Free next-day delivery on selected mattresses

Selected Eco Kids, Morrison and Sleep Firm mattresses ship free next business day across Sydney and the Illawarra when ordered before 2pm. See the eligible mattresses →

😴

150-Night Trial

Yinahla mattresses, Sleep Firm (Standard) and Eco Kids are backed by our 150-Night Trial Period. Sleep on it 30+ nights — if it's not right, refund or exchange.

🛡️

100-Night Comfort Guarantee

A large selection of our range — including Sleep Firm Luxe, Sleep Firm Ultra, Morrison and King Koil — is backed by our 100-Night Comfort Guarantee (exchange only). Sealy is excluded.

Try before you finance — visit a NSW showroom

Three showrooms across Greater Sydney and the Illawarra. Every mattress on this page is on display — lie on it, apply on the spot, take it home or book free next-day delivery on eligible ranges.

📍 YOUR NEAREST SHOWROOM

Best in Beds Campbelltown

20 Blaxland Road, Campbelltown NSW 2560

Serving Macarthur & SW Sydney

📞 02 4628 1266

Best in Beds Prospect

27 Rowood Road, Prospect NSW 2148

Serving Blacktown, Parramatta & the Hills

📞 02 8676 7321

Best in Beds Warrawong

91-95 King Street, Warrawong NSW 2502

Serving Wollongong & the Illawarra

📞 02 4274 3485

Ready to buy your mattress interest free?

Every mattress in every brand we stock is eligible. Choose your term, choose your mattress, take it home.

💳 Up to 60 Months Interest Free
On Latitude Gem Visa & Go Mastercard — from $500 minimum spend
🚚 FREE Next Business Day Delivery
Selected Eco Kids, Morrison & Sleep Firm — Sydney & Wollongong
🛏️ 100 & 150 Night Trials
Comfort protection on eligible ranges — try it at home

Frequently Asked Questions

Which Best in Beds showroom is closest to Southern Highlands, Bowral, Mittagong, Moss Vale? +
Best in Beds Campbelltown at 20 Blaxland Road, Campbelltown NSW 2560 is the closest showroom for Southern Highlands and nearby Bowral, Mittagong, Moss Vale. It is approximately 40 minutes south-west from Southern Highlands. The showroom has free customer parking and the full mattress range to try. Call 02 4628 1266 or visit Monday to Friday 9am-5pm, Thursday to 7pm, Saturday 9am-5pm, or Sunday 10am-4pm.
Can I get next-business-day delivery to Southern Highlands if I use interest free? +
Yes, free next-business-day delivery is available to Southern Highlands on selected Eco Kids, Morrison and Sleep Firm mattresses in Queen, King or Double sizes when ordered before the 2pm business-day cut-off. You can use interest free at the same time. Yinahla, Sealy, King Koil and single-size mattresses have a standard 7-14 day delivery timeframe. Delivery is to the front door of your home or apartment building. Unpackaging, installation and removal of packaging can be arranged for an additional charge by contacting our team in store.
Do I need a deposit to buy a mattress interest free at Best in Beds? +
No deposit is required. Latitude approves the full purchase amount as a credit limit on a Gem Visa or Go Mastercard, then you repay it in monthly instalments over the chosen 6, 12, 24, 48 or 60 month term. A monthly account fee of $11.95 applies, subject to change. Interest at 29.99% p.a. applies to any balance not repaid within the interest-free term.
Can I use an existing Latitude Gem Visa or Go Mastercard at Best in Beds Campbelltown? +
Yes. Existing Latitude Gem Visa and Go Mastercard holders can use their card at Best in Beds Campbelltown on the same terms as other participating Latitude retailers. If you received your card through Harvey Norman, Amart, JB Hi-Fi or another retailer, no new application is needed. Present your card in the showroom or enter its details at online checkout.
What is the maximum interest-free term available on a mattress? +
The maximum term is 60 months on purchases of $2,000 or more. The full tier ladder is 6 months from $250, 12 months from $500, 24 months from $1,000, 48 months from $1,500 and 60 months from $2,000. You choose the term that suits your repayment budget, subject to Latitude approval. Every mattress brand at Best in Beds is eligible.
Which mattress brands can I try on interest free near Southern Highlands? +
Every Best in Beds brand is eligible for interest free: Sealy, Yinahla, Sleep Firm, King Koil, Morrison and Eco Kids. Visit Best in Beds Campbelltown to compare the ranges in person. Sleep specialists can help with feel, support and size, while the interest-free plan can also include eligible bases, ensembles, adjustable frames and headboards.

Page last reviewed: 4 September 2026. Interest-free terms are set by Latitude Finance Australia and may change — Latitude's current terms prevail. If any details on this page differ from Latitude's current terms, please contact us so we can correct the page.

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