Looking for a bed on installment in India? Now you can finance your bed with zero down payment and easy monthly installments, even without a credit card. Here’s how it works.
Buy a Bed in India with No Upfront Cost: Pay in Simple EMIs Without Credit Card
Buying a quality bed doesn’t have to drain your savings. Thanks to flexible financing options now widely available across India, you can buy a bed in installments, with or without a credit card, and pay over time in affordable monthly EMIs.
Whether you’re furnishing a new apartment, upgrading your old bed, or moving into a rental, there are now reliable ways to finance a bed — even if you’re working with a limited budget. From online platforms to major furniture retailers, paying monthly has become the new norm.
How Does Bed Financing Work in India?
Most online and offline furniture sellers in India offer beds with pay-in-installment options. You can choose to split the cost across 3, 6, 9, or 12 months — often with zero interest (0% EMI), depending on the platform or partner.
Common financing partners:
- Bajaj Finserv EMI Network
- ZestMoney
- Simpl
- Paytm Postpaid
- Amazon Pay Later
- Flipkart Pay Later
What you need to apply:
- PAN card and Aadhaar card
- A stable income source (even self-employed)
- A smartphone and active mobile number
- Some platforms approve you without a credit score
After approval, you can select your bed, choose EMI tenure, and confirm your order with no down payment required in many cases.
Benefits of Buying a Bed in Installments
1. Zero Down Payment
You don’t need to pay anything upfront. Start paying from the next month.
2. 0% Interest EMIs
Many platforms offer interest-free financing on select beds.
3. No Credit Card Needed
Use Buy Now Pay Later apps or EMI cards instead of traditional credit cards.
4. Quick Approvals
Most platforms approve applications in under 5 minutes.
5. Wider Model Access
Installments make premium beds more accessible — memory foam, orthopedic, storage beds, etc.
Where to Buy Beds on EMI in India?
Here are the most reliable places to buy beds on installments:
- Online Marketplaces:
- Amazon.in (Amazon Pay Later)
- Flipkart (EMI via partners)
- Pepperfry (0% EMI with ZestMoney, Bajaj Finserv)
- Wakefit, SleepyCat, The Sleep Company (direct EMI options)
- Retail Stores:
- HomeTown
- Urban Ladder
- Godrej Interio
- Durian Furniture
- Local furniture showrooms tied with Bajaj Finserv
Sample Bed Models with EMI Options
| Bed Model | Price (Approx.) | EMI Tenure | Monthly EMI |
|---|---|---|---|
| Wakefit Queen Bed with Storage | ₹16,999 | 6 months | ₹2,834 |
| Urban Ladder King Size Bed | ₹25,999 | 9 months | ₹2,889 |
| SleepyCat Orthopedic Bed Frame | ₹14,999 | 3 months | ₹4,999 |
| Flipkart Solid Wood Bed | ₹10,499 | 6 months | ₹1,749 |
EMIs may vary by platform and partner. Check eligibility and terms before purchase.
Who Can Apply for Bed Financing in India?
- Salaried employees or self-employed individuals
- Students with part-time income (on select platforms)
- Customers without a credit card
- Individuals with low or no credit score (ZestMoney, Simpl offer approvals)
