Interest Free Mattresses - Up to 60 Months, No Deposit
Interest Free Mattresses - Up to 60 Months, No Deposit
Shop mattresses from Sealy, Yinahla, Sleep Firm, King Koil, Morrison and Eco Kids with 6, 12, 24, 48 or 60 months interest free on your Latitude Gem Visa or Go Mastercard. Approved online in minutes or in store - no deposit, no lump-sum surprises.
Choose your interest-free term below - every mattress on this page is eligible.
At Best in Beds you can buy a new mattress with up to 60 months interest free using a Latitude Gem Visa or Go Mastercard credit card, with no deposit required. Five interest-free terms are available depending on your purchase amount: 6 months from $250, 12 months from $500, 24 months from $1,000, 48 months from $1,500, and 60 months from $2,000. Every mattress in every brand we stock - Sealy, Yinahla, Sleep Firm, King Koil, Morrison and Eco Kids - is eligible. Below you'll find our team's picks for each tier, so you can browse mattresses at the price point that matches your preferred repayment term.
A monthly credit card fee of $11.95 applies on both the Gem Visa and Go Mastercard (subject to change). Interest at 29.99% p.a. applies to any balance not paid off within your chosen interest-free term. Read the full interest-free terms, worked examples and FAQs →
Featured mattresses — buy interest free
Every mattress on this page is eligible for interest free on a Latitude Gem Visa or Go Mastercard credit card. Choose the tier that matches your budget — the longer term needs a higher minimum spend.
12–24 months Interest Free
Great-value mattresses at the everyday price point. Eligible for 12 months interest free from $500 or 24 months from $1,000. The pick for kids' rooms, guest rooms and first mattresses.
INTEREST FREE
Morrison Siesta Mattress - Best-Seller Pocket Spring Comfort
24–48 months Interest Free
Premium mattresses at a comfortable monthly payment. Eligible for 24 months from $1,000 or 48 months from $1,500. Sealy, King Koil and mid-range Yinahla — where most of our customers land for their master bedroom.
INTEREST FREE
Morrison Good Morning + Plush Pillow-Top Comfort Upgrade
60 months Interest Free
Our longest interest-free term, from a minimum spend of $2,000 - flagship Sealy Posture Luxe, top-of-range Yinahla, Morrison flagship and Sleep Firm Ultra ensembles. The best mattress you can buy at Best in Beds, on our longest 60 month interest free plan.
60 MONTHS
Morrison Mindfulness Mattress - Flagship AdaptX 7-Zone Memory Foam
60 MONTHS
King Koil Chamberlane Mattress - Core Premium (Reflex Max VRS)
Every brand we stock — Sealy, Yinahla, Sleep Firm, King Koil, Morrison & Eco Kids — is eligible. Browse the full mattress range →
How to buy your mattress interest free
Three steps, no deposit, up to 60 months to pay.
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.
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.
Choose your interest-free term
6, 12, 24, 48 or 60 months on a Minimum Monthly Payment plan. Divide your purchase by the number of months to see what you'll need to pay to clear interest free.
How your monthly repayments work
Your Latitude Gem Visa or Go Mastercard sets a minimum monthly repayment of 3% of your balance or $25 - whichever is greater. Paying only the minimum will not clear the plan before the interest-free period ends, and 29.99% p.a. interest (current, subject to change) applies to whatever's left. To finish interest free, divide your purchase amount by the number of months in your plan and pay that each month.
| Latitude minimum (won't clear) | $30/mo |
| To clear interest free | $83.34/mo |
| + card fee | $11.95/mo |
| Total to clear | ~$95.29/mo |
| Latitude minimum (won't clear) | $54/mo |
| To clear interest free | $37.50/mo |
| + card fee | $11.95/mo |
| Total to clear | ~$49.45/mo |
On longer terms your "to clear" figure is actually lower than the minimum in early months - but the minimum drops as the balance falls, so pay the clear-in-time figure to stay on track.
| Latitude minimum (won't clear) | $90/mo |
| To clear interest free | $50/mo |
| + card fee | $11.95/mo |
| Total to clear | ~$61.95/mo |
All figures are estimates. Latitude minimums shown are 3% of the opening balance or $25, whichever is greater - they'll decrease as your balance falls. The card fee is $11.95/month (current, subject to change). To finish interest free, set your own direct debit for the "to clear" amount plus the card fee. Full terms: Gem Visa / Go Mastercard.
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.
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 payments over 6 weeks
- Fee: None if paid on time; late fees apply
- Best for: Pillows, protectors, top-ups
Zip
- Term: Varies by Zip product and offer
- Fee: $9.95/mo account fee (if owing)
- Best for: Mid-size purchases
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.
Best in Beds Prospect
27 Rowood Road, Prospect NSW 2148
Serving Blacktown, Parramatta & the Hills
Best in Beds Campbelltown
20 Blaxland Road, Campbelltown NSW 2560
Serving Macarthur & SW Sydney
Best in Beds Warrawong
91-95 King Street, Warrawong NSW 2502
Serving Wollongong & the Illawarra
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.
