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Emma Interest-Free Mattress on Finance

Do you want to buy now, but pay later for your mattress? We've partnered up with Klarna and DivideBuy to give you the freedom to choose how and when to pay. Just select your preferred payment option when you check out and spread the cost of your Emma products.

Split the cost of your order!

Sleep now and Pay later with DivideBuy 0% Financing

With DivideBuy you can spread the cost of your purchase across monthly instalments. Depending on the order of your value, you can choose instalment options from 3 to 12 months. Your application will take just 60 seconds to complete and DivideBuy will provide an immediate decision allowing you to complete your purchase. Once approved, you electronically sign your agreement and we will process your order – it’s that simple.

To pay for your order using DivideBuy, your order needs to have a minimum value of £50 after any discounts have been applied.


Spread the cost of your purchase across three interest-free instalments with Klarna. Just select this option on the checkout page. To check your eligibility, Klarna will perform a soft search with a credit reference agency. It should take roughly a day for your application to be approved.

To qualify for Klarna , your order needs to have a minimum value of £279 after any discounts have been applied.

If you’re having any issues filling out your application or have any other questions regarding our finance options, please reach out to our customer service team. They will be happy to help.

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Frequently Asked Questions

  • What payment options do you offer?

    We accept the following payment methods: Debit Card, PayPal, MasterCard and Visa. We also offer 0% finance through Klarna and DivideBuy.

  • How does financing a mattress work?

    On the checkout page, be sure to select either Divide Buy or Klarna as your method of payment. Once you've have clicked on the 'buy now securely button' you will be taken to the payment providers web page. Here you can select your preferred payment plan and see a break down of the costs. After you've selected your plan, you'll be asked to fill out an application. You will then receive a confirmation email and payment details, if your application has been successful. Please note that your order needs have a minimum value of £279 (after any discounts have been applied) in order to qualify for Klarna. Orders with a minimum value of £50 can be paid for using DivideBuy.

  • Will I qualify for 0% finance?

    The payment provider will process your information to check whether you qualify for 0% financing. Unfortunately, we have no insight into what criteria Klarna or DivideBuy look at when accepting or rejecting finance applications.

  • My application was declined. Now what?

    We're very sorry to hear your application was declined. Unfortunately, we have no influence over this decision and we're unable to find out why your application was denied. Due to legal reasons, the payment providers are not permitted to share information on applications with us.

  • I'm returning an item I bought on 0% finance. How will I get my refund?

    If you are returning an item you have bought on finance, you will be refunded the amount you have already paid, once we have processed your return. Your bill will be cancelled and you will not be required to pay the outstanding amount.

Take advantage of our risk-free trial and test the Emma Original now!

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You can unsubscribe at any time by clicking the 'Newsletter Subscriptions' tab when logged in to your customer account. If you do not have an account with us, you can unsubscribe by clicking the 'unsubscribe' link at the bottom of the newsletter.

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