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Best Mattress with Klarna Financing (Top 5 Brands)

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How we generated this voice

If you’re searching for buy now, pay later mattresses then you’ve come to the right place! Our team of sleep experts have reviewed and tested all the leading brands that offer Klarna Financing. We’ve put together a list of the top five best mattresses. Our Editor’s Choice is the Eco Terra Hybrid Latex Mattress.


Our Top Picks for Klarna Mattress Financing

  1. Eco Terra Hybrid Latex Mattress – editor’s choice
  2. Amerisleep AS3 best for all sleeper types
  3. Zoma – best for active individuals
  4. Puffy best for back sleepers
  5. Eve Premium Hybrid best firm mattress

#1. Eco Terra Hybrid Latex Mattress

Check Current Price | Editor’s Choice

eco terra latex hybrid mattress
Eco Terra Hybrid Latex

Pros:

  • Two firmness options
  • Made with eco-friendly materials
  • Offers nice pressure relief
  • Responsive
  • Cooling
  • Good edge support

Cons:

  • Moderate motion transfer
  • Not suitable for heavyweight stomach sleepers

Are you looking for an eco-friendly mattress that’s super comfortable and supportive? The Eco Terra Hybrid Latex Mattress is made of all-natural and organic materials to give you better and healthier sleep. If you can’t afford to pay its full amount up front, this mattress can be financed through Klarna over the course of twelve monthly payments.

Who should buy the Eco Terra Hybrid Latex Mattress?

  • All sleeper types
  • Hot sleepers
  • Allergy sufferers
  • Those who prefer the bouncy feel of latex mattresses

Firmness

During our testing, we found that the Medium version of the Eco Terra mattress sits at a 5 out of 10 on the mattress firmness scale. Whereas, the Medium-Firm version is a bit firmer at a 6 out 10. Overall, the mattress is pretty bouncy and responsive but it also offers some contouring and pressure relief for your sensitive joints.

We recommend that side sleepers, lightweight back sleepers, and combination sleepers choose the Medium version because it offers extra pressure relief. On the other hand, we recommend the Medium-Firm version for heavier back sleepers as well as stomach sleepers who weigh below 230 lbs. If you’re a heavier stomach sleeper, the Eco Terra mattress might not provide enough support to keep your hips and spine in alignment.

Construction

The Eco Terra Hybrid Latex Mattress is 11″ tall and is comprised of two distinct layers. The materials used in this mattress are GOTS and Oeko-Tex Standard 100 certified. It’s encased in an organic cotton cover that has natural wool layered underneath it.

Next up, is a comfort layer that’s made of 100% natural Talalay latex. This layer offers responsiveness and pressure relief while also promoting airflow.

Lastly, the support layer of the mattress consists of quantum coils which are made from upcycled steel. These coils are individually-wrapped and they also help promote additional airflow through the mattress.

Sizes

The Eco Terra Hybrid Latex Mattress comes in all 6 standard sizes:

  • Twin
  • Twin XL
  • Full
  • Queen
  • King
  • California King

Warranty

This mattress comes with a 90-night sleep trial and it’s backed by a 15-year warranty. Free shipping and returns are available in the contiguous US.

Buy: Eco Terra Hybrid Mattress


#2. Amerisleep AS3

Check Current Price | Best for All Sleeper Types | 30% Off Coupon: SLEEPLINE | Review

amerisleep as3 mattress on simple bed frame
Amerisleep AS3

Pros:

  • Suitable for all sleeper types
  • Great motion isolation
  • Responsive
  • Cover is machine-washable

Cons:

  • Not suitable for individuals over 230 lbs.
  • Not ideal for heavier stomach sleepers

Save 30% with coupon code “SLEEPLINE”

Out of all the mattresses in the Amerisleep line, the AS3 is the most popular and most versatile. It’s made with a proprietary memory foam blend that’s designed to adapt to most individuals regardless of their sleeping position. The AS3 can also be purchased through Klarna by offering a down payment and splitting the total amount into eighteen monthly payments.

Who should buy the Amerisleep AS3?

  • Couples
  • All sleeper types
  • Those who prefer a more responsive memory foam feel

Firmness

Our team rated the AS3 a 6 out of 10 on the mattress firmness scale. The industry standard for medium-firm is 6.5 and the AS3 feels slightly softer than this. Its comfort layer is made of responsive memory foam so you won’t feel overly stuck, but you’ll still get lots of pressure relief.

The AS3 is suitable for all sleeper types, which include back, side, stomach, and combination sleepers. Moreover, its proprietary memory foam has an open-cell structure which promotes a little more airflow for hot sleepers. That being said, we do not recommend this mattress for heavier individuals who weigh over 230 lbs.

Construction

The Amerisleep AS3 is 12″ tall and is comprised of three proprietary foam layers. These layers are encased in a breathable Celliant cover which has been shown to aid in pain relief and recovery. All the foams used in this mattress are CertiPUR-US certified for low VOC emissions.

Directly underneath the cover, is a comfort layer that’s made of a responsive memory foam that Amerisleep calls Bio-Pur® foam. Below that is a HIVE® transition layer that has an egg crate structure for added airflow. And lastly, the bed’s base layer is made of high-density polyfoam for durable support and overall structure.

Sizes

The Amerisleep AS3 comes in 7 total sizes:

  • Twin
  • Twin XL
  • Full
  • Queen
  • King
  • California King
  • Split King

Warranty

Amerisleep offers a 100-night sleep trial as well as a 20-year warranty for all their mattress models. Free shipping and returns are available in the contiguous US.

Buy: Amerisleep AS3


#3. Zoma

Check Current Price | Best for Athletes | 30% Off Coupon: SLEEPLINE | Review

zoma mattress on black bed base
Zoma Mattress

Pros:

  • Available in both all-foam and hybrid versions
  • Suitable for all sleeper types
  • Low motion transfer
  • Good edge support
  • Affordable

Cons:

  • Not for stomach sleepers over 250 lbs.
  • Slight off-gassing

Save 30% with coupon code “SLEEPLINE”

The Zoma Mattress is one of the best mattresses for athletes that we’ve recently tested. This is not surprising because Zoma Sleep designs their products for individuals who lead a more active lifestyle than average. It’s also available through a BNPL payment method using Klarna.

Who should buy the Zoma Mattress?

  • Athletes
  • Those who suffer from back pain
  • All sleeper types
  • Those who prefer a hybrid mattress

Firmness

The Zoma Mattress sits at a 6.5 out of 10 and it has a neutral foam feel despite containing a memory foam top layer. It offers the conforming hug feeling of memory foam without letting you sink too much into the mattress. The mattress also features zoned support which means that it’s softer around your shoulders and firmer around your legs.

Because the Zoma Mattress is available in both an all-foam and hybrid version, it can accommodate most sleeper types. We recommend the all-foam version for strict side sleepers and some back sleepers. Whereas, most back and stomach sleepers should opt for the hybrid version for adequate hip and lumbar support.

Construction

The Zoma Mattress is 11″ thick for the all-foam version and 12″ thick for the hybrid version. It contains several foam layers including zoned memory foam, transition foam, and high-density support foam. All the foams used in both versions of the mattress are CertiPUR-US certified.

A soft mesh fabric cover encases the mattress and it’s perforated with tiny holes for breathability. The all-foam version contains three layers of proprietary foam, while the hybrid model features pocketed coils for support. Although we noticed some off-gassing from the mattress, the smell disappeared after 24 hours.

Sizes

The Zoma Mattress comes in 7 standard mattress sizes:

  • Twin
  • Twin XL
  • Full
  • Queen
  • King
  • California King
  • Split King

Warranty

Zoma Sleep offers a 100-night sleep trial as well as a 10-year warranty for all their mattresses. Free shipping and returns are available in the contiguous US.

Buy: Zoma Mattress


#4. Puffy

Check Current Price | Best for Back Sleepers | Review

puffy mattress on upholstered bed frame with Klarna financing
Puffy Mattress

Pros:

  • Ideal for back sleepers
  • Suitable for some side sleepers
  • Excellent motion isolation
  • Cover is stain-resistant

Cons:

  • Not suitable for individuals over 230 lbs.
  • Not suitable for heavier stomach sleepers
  • Might impede movement for some individuals

The Puffy Mattress is the company’s flagship model and it features a streamlined all-foam design. It provides a great balance of pressure relief and support which makes it an ideal choice for back sleepers specifically. If you feel like you can’t afford the Puffy, a monthly payment option is available through the use of a Klarna account.

Who should buy the Puffy Mattress?

  • Couples
  • Back sleepers
  • Light to average weight side sleepers
  • Those who prefer an all-foam bed

Firmness

The Puffy Mattress has a firmness rating of 6 out of 10 which means it’s a bit softer than medium-firm. It has a pretty balanced foam feel overall, but its top memory foam layer gently cradles your body. Since it has a slimmer all-foam construction, we don’t think it’s supportive enough for heavyweight individuals.

We recommend the Puffy Mattress for back sleepers who are looking for an ideal mix of comfort and support. Moreover, side sleepers below 200 lbs. might get enough cushioning and pressure relief from the mattress. On the other hand, we don’t think this mattress is suitable for stomach sleepers because their hips might sink into its foam layers.

Construction

The Puffy Mattress is 10″ tall and it features a standard all-foam bed construction. These foam layers are encased in a polyester-blend cover that’s hypoallergenic and stain-resistant. All the foams used in this mattress are CertiPUR-US certified for environmental safety.

Below the cover, is a Gel Cloud comfort layer which is essentially gel-infused memory foam. Next up, is a transition layer made of responsive gel polyfoam that Puffy calls Climate Comfort foam. Lastly, the mattress has a base layer that’s made with high-density polyfoam for strong and durable support.

Sizes

The Puffy Mattress comes in 6 sizes:

  • Twin
  • Twin XL
  • Full
  • Queen
  • King
  • California King

Warranty

Puffy offers a 101-night sleep trial and a lifetime warranty for all their mattresses. Free shipping and returns are available in the contiguous US.

Buy: Puffy Mattress


#5. Eve Premium Hybrid

Check Current Price | Best Firm Matttress | Review

eve premium hybrid mattress
Eve Premium Hybrid

Pros:

  • Ideal for combination sleepers
  • Suitable for back and stomach sleepers
  • Great edge support
  • Cooling
  • Machine-washable cover

Cons:

  • Might be too firm for some individuals
  • Not ideal for side sleepers
  • Moderate motion transfer

Designed and manufactured in the UK, the Eve Premium Hybrid is a high-quality mattress that features foam and supportive coils. It’s a great choice for individuals who need durable support and a bouncy sleep surface. Financing is also available for the Eve Premium Hybrid by using Klarna to divide the full price into three interest-free payments.

Who should buy the Eve Premium Hybrid?

  • Combination sleepers
  • Back and stomach sleepers
  • Those who prefer a firmer mattress

Firmness

After trying it out, we gave the Eve Premium Hybrid a 7 out of 10 on the mattress firmness scale. It has a true firm feel and it’s quite bouncy which allows for easy movement if you like switching positions. This mattress might be too firm for some side sleepers so we would not recommend it for those who need extra cushioning and sinkage.

The Eve Premium Hybrid is ideal for combination sleepers as well as back and stomach sleepers. Its responsive foam makes it extremely easy for sleepers to move around and it provides firm support regardless of your body weight since it is a hybrid mattress.

Construction

The Eve Premium Hybrid is 11″ tall and is comprised of five total layers. Its encased in a polyester cover that’s infused with moisture-wicking properties for cooling.

Underneath the cover, is a comfort layer that’s made of responsive foam which provides initial pressure relief to the mattress. Below this section, is a polyfoam transition layer which helps ease your body onto the firmer support layers below.

Next up, is a layer of high-density polyfoam edge support which reinforces the bed’s perimeter. After that, comes the support layer which consists of 1,400 individually wrapped coils. This coil system offers zoned support as well as added durability to the mattress.

Sizes

The Eve Premium Hybrid comes in 3 sizes:

  • UK Double
  • UK King
  • Super King

Warranty

The Eve Premium Hybrid comes with a 100-night sleep trial and a 10-year warranty. Free shipping and returns are available in the UK.

Buy: Eve Premium Hybrid


Quick view and comparison

BrandEco Terra Hybrid LatexAmerisleep AS3ZomaPuffyEve Premium Hybrid
Sizes67763
Thickness (inches)1112121011
FeelMediumMediumMedium FirmMedium FirmFirm
Motion TransferMinimal to noneMinimal to noneMinimalMinimal to noneMinimal
HybridYesYesYesNoYes
AdjustableYesYesYesYesNo
Edge SupportExcellentExcellentVery goodVery goodVery good
Sleeping PositionAll sleeper typesAll sleeper typesBack, Stomach and Combination sleepersBack, Stomach and Combination sleepersBack and Stomach sleepers
Trial (nights)90100100101100
Warranty (years)152010Lifetime10
Link to buyBuy Eco TerraBuy Amerisleep AS3Buy ZomaBuy PuffyBuy Eve Premium Hybrid

How financing a mattress with Klarna works

First, you’ll have to add a product to your shopping cart, similar to financing with competing brands like Affirm. Then, choose Klarna as the payment option at checkout. After that, you will be asked to enter your credit or debit card information for verification and to prevent unauthorized purchases.

Once you’ve been approved for the payment method, Klarna will give you a payment schedule and the minimum monthly payment required for the product. You can then view your purchase as well as your upcoming payments by logging into your Klarna account.

You can settle payments using your bank account or your credit card. Zero fraud liability is included in Klarna’s buyer protection policy which results in safe and secure Klarna transactions.


FAQs

Does financing a mattress hurt your credit?

Your credit score will only be affected if you fail to make your monthly payments. If you pay on time, it will have a positive impact on your credit.

What mattress companies use Klarna?

Many mattress companies all around the world are currently using Klarna. Some examples are the above-mentioned brands: Eco Terra, Amerisleep, Zoma, Puffy, and Eve Sleep.

What credit score do you need to be approved for Klarna?

Klarna does not have a minimum credit score requirement, but they do perform a soft search with a credit reference agency.

Why should you not use Klarna?

You should not use Klarna if you don’t have the money to settle your monthly payments.


Conclusion

Many individuals don’t always have enough money to purchase a good quality mattress up front. So, we put together a list of the best mattresses that have a Klarna financing option to help our readers get their dream mattress using a buy now, pay later method. As long as you don’t miss your given payment schedule, your credit won’t be affected in any way.


Next step: Now that you know everything there is to know about financing your mattress purchase with Klarna, it’s time to revisit our #1 pick. Eco Terra is a high-end, luxurious latex mattress that is available in split payments using Klarna. It’s the best option if you’re looking for flexible payments.


How We Rate Mattresses

We rate mattresses using the following criteria:

  1. Comfort
  2. Structural integrity and durability
  3. Firmness and support

Learn more about our mattress rating process and methodology here.


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