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Klarna Mattress Financing

Best 10’s Verdict

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Pros

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Cons

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#1 Rated: Saatva Classic

Saatva is our #1 best mattress for 2022! 50k+ 5-star reviews.

FREE white-glove delivery

51,927 

 reviews

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Klarna lets you buy a mattress without paying the full price up front.

You can pay back your mattress over time.

Most brands offer Klarna. Saatva Classic is our top pick. This is a hybrid innerspring like those in 5-star hotels.

Its advantages outweigh its disadvantages. Their 'buy now, pay later' options are probably the best.

Pros With Using Klarna

There are 6 benefits to Klarna:

• Your credit won't be affected by a hard inquiry.
• Full payment is not required, which can be a big commitment.
• You can set up basic payment plans for your mattress.
• Saves you money in the short term and allows you to invest it while you pay back your mattress monthly. When used correctly, payment plans are helpful.
• Generally a convenient way to shop so long as you don't miss payments. There's no interest if you miss a payment, only late fees (which is better than credit cards).

Cons With Using Klarna

There is 1 main disadvantage to Klarna:

• You are forced to monitor your monthly payments to avoid missing any (fine if you are responsible).

Other than that, there are no significant cons.

Is Klarna Predatory?

Klarna is not predatory at all.

Klarna can potentially entice irresponsible spending, but everyone is responsible for their own decisions.

Many people are able to receive a $500 bill due to inflation.

With Klarna, people can continue buying items they need or want without having to pay cash up front.

You should only use Klarna if you can repay it.

How Do I Get Refunded If I Return My Mattress After Using Klarna?

Refunds are handled by Klarna (not merchants).

You can return the mattress in 1-2 weeks (or if you're just testing it out).

See Exclusive Black Friday Deal

#1 Rated: Saatva Classic

Saatva is our #1 best mattress for 2022! 50k+ 5-star reviews.

FREE white-glove delivery

51,927 

 reviews

Claim My Deal →
See Exclusive Black Friday Deal →
Claim My Deal →