Interest Free Payment Plans
Sleep better now. Pay over time — with no interest, ever.
At The Bed Barn, we believe everyone deserves a great night’s sleep — without the stress of big upfront costs. Our simple, fair, in-house payment plans mean you never pay interest — ever.
NO BANKS
NO THIRD PARTY LENDERS
NO HIDDEN FEES
How it Works
1. Choose your payment term
Pick the plan that suits your budget. Choose from six (6) or twelve (12) months.
Every option is 100% interest-free, and your repayments are split evenly across your chosen term.
2. Pay a 25% deposit
When you place your order, we take a simple 25% deposit. This secures your manufacturing slot in our Palmerston North factory and gets your bed into production.
- No setup fees.
- No admin fees.
- No surprise add-ons. Ever.
3. Enjoy flexible, predictable payments
Your remaining balance is divided into equal weekly, fortnightly, or monthly instalments — whichever works best for you.
All payments go directly to us, not a finance company, so you get:
- Faster approvals
- Real-person support
- Transparent communication
- A stress-free, local experience
Why Choose Our Payment Plans?
Truly Interest Free
You pay exactly the same price as someone who pays upfront. No interest, no exceptions.
No Fees Ever
No setup fees, account fees, late payment fees, or hidden surprises. Just simple, honest finance.
Local and Personal
You’re dealing directly with The Bed Barn — not a lender. If you need help or want to adjust something, you talk to real people who care.
Better Sleep - Sooner
Get the bed that’s right for you when you need it — not months later when your budget catches up.
Example
Queen Mattress - $2000
- 25% deposit: $500
- Balance: $1500
The following pricing table demonstrates what repayments would be based on the term length.
6 Month Term
Payment required12 Month Term
Payment required
If Payments Fall Behind
Our payment plans are built on fairness and trust. As part of the agreement, the bed remains the property of The Bed Barn until the payment plan is completed.
If payments fall behind, we will always try to contact you first to make a new arrangement or find a solution. We understand life happens, and communication is always our first step.
If we cannot reach you and payments stop entirely, we do reserve the right to collect or repossess the bed. This is a standard condition for all interest-free agreements and allows us to continue offering finance with no interest and no fees to our customers.
Frequently Asked Questions
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What forms of payment do you accept?
We offer a full range of flexible payment options, including:
- Visa, Mastercard, and EFTPOS
- Bank transfer
- Gem Visa Interest-Free Finance
- Our own in-house finance (arranged directly with us).
Do I need a deposit?
Yes. For in-house finance, a 25% deposit is required. This confirms your order and allows our team to begin manufacturing your bed. Gem Visa promotions may have different deposit requirements depending on the offer.
How long can I spread the payments over?
Our in-house finance options are interest-free and available across:
- 6 months
- 12 months
Gem Visa also offers long-term interest-free options on eligible purchases.
When do repayments start?
For in-house finance, repayments begin the week your bed is delivered or collected. This gives you time to settle in and enjoy your new bed before your first payment is due. Gem Visa repayment schedules follow the terms of the promotion you select.
How do I apply for in-house finance?
It’s simple and fast:
- Provide a valid photo ID
- Complete a short application
- We assess affordability and confirm your term
Most customers receive approval the same day.
What information do you need for finance approval?
To process your in-house finance application, we generally require:
- Photo ID
- Proof of address
- A quick affordability check
Can I repay my balance early?
Yes. You can pay off your in-house finance or Gem Visa plan early at any time, with no early repayment fees or penalties.
What if I want to change my payment terms?
In-house finance: Contact us directly - we can usually adjust your schedule, extend your term, or restructure your plan.
Gem Visa or Klarna: Their support teams manage changes, but we’re happy to guide you through the process.
Can I finance custom-made beds or special orders?
Yes. All of our beds - including custom builds, motorhome mattresses, and bespoke sizes - are eligible for both in-house finance and Gem Visa interest-free options.
This sounds too good to be true, what's the catch?
There isn’t one. We offer straightforward, interest-free finance with no hidden fees, clear terms, and flexible repayment options.
Will finance delay my bed being made or delivered?
No. Once your finance is approved and your deposit is paid, your bed goes straight into production.
Is my information safe?
Yes. We keep all personal and financial information secure and confidential.
READY TO APPLY?
It only takes a couple of minutes in-store or over the phone. No complicated forms — just simple details and a quick check to ensure the plan is right for you. Get in touch today and let’s get your new bed underway.