Pay In Three


Need a new bed or mattress but can't pay in full? The with Klarna you have the chance to Pay in 3!

WHAT'S Pay in 3?

You can now spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Modern Beds and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.


  • - Spread the cost over 3 equal payments
  • - Will not affect your credit rating


  • 1

    Find something you want to buy from Modern Beds. Add it to your basket and head over to the checkout.

  • 2

    You must have sufficient funds available on your credit or debit card for the first payment at the time of ordering

  • 3

    Select ‘Pay in 3’ at the checkout.

  • 4

    Place your order and this will be dispatched as normal.

  • 5

    Pay in 3 equal payments – first when you place the order, second 30 days later and third 60 days later.



It’s simple. All you need to use Pay in 3 is...


  • To be 18 years or over
  • A valid mobile number and email address
  • A UK residential address
  • A UK bank account with good credit history
  • A credit/debit card to be valid for 60 days from purchase date

Great, lets get shopping!

Questions? For all those concerning the product, delivery and returns, please contact For all those concerning payment or regarding an expected refund, please contact Klarna. For more details, see the FAQ section below.


Who is Klarna?

How does Pay later in 3 interest-free instalments work?

Will a credit search take place against me?

What information do I need to provide when I make a safe purchase using Klarna?

Can I pay before the due date?

How does the return process work?

I've received a statement, but I've not yet received my goods.

I have asked for a refund. How will I be refunded?

I still have questions regarding payment, how can I get in touch?