We are pleased to offer interest free instalment plans for all of our customers ordering via our website or over the phone. We currently offer instalment plans up to 24 months. If you would like more information or have questions that are not answered below, please contact askme@beddingaffairs.com .

Experience shopping at an affordable price! You can now buy smarter and pay later as you split your payment into monthly instalments.

We're offering up to 24 months instalment plan for 4 banks -

CIMB, Public Bank, HSBC, and OCBC 

Opt for a 12-month instalment plan with -

CIMB, Public Bank, HSBC, OCBC, Ambank, Maybank, Citibank, Hong Leong Bank, HSBC, or RHB. 


Simplify your payments and choose the plan that suits you best!

Pay with MobyPay

Why should you pay with MobyPay?

  • 0% Interest
  • Zero Fees
  • Debit and credit cards are accepted.

You can split your payment to buy from Bedding Affairs into up to 6 separate payments when you check out by using MobyPay as a payment option.

How It Works

1. On the checkout page, under payment type, select MobyPay and click Place Order to move on to the next step.

2. Once you've been redirected to the iPay88 payment portal, follow the instructions provided on the page.

3. Confirm and verify your payment.


Pay with Atome

We make payments easier and more affordable in just 3 simple steps. Easily track and manage your monthly spending with our mobile app. View terms and conditions here.

Why Atome?
1. Manage your spending at your fingertips.
2. No interest charges or hidden fees, ever!
3. Account setup is a breeze.
4. Track payments anytime from your mobile app.
4. Shop at ease across the region or online.


To be eligible for our  Atome installment plan, you must meet the following criteria:

1. Have a valid Credit Card and Debit Credit Card (AMEX is excluded from our installment plan payment)

2. Be at least 18 years old at the time you use Atome;

3. Be a natural person and not a company, partnership or commercial entity;

4. Be a resident of Malaysia or Singapore;

5. Have a valid email address belonging to you and of which you are the registered user;

6. Have a valid mobile phone number issued by a Malaysian or Singaporean telecommunications provider or carrier and registered in your name;

7. Have a valid credit card or debit card or a valid bank account (in Malaysia);

8. Be capable of entering into a legal binding contract.

Notwithstanding the above, the company reserves the right to reject any request to use Atome without assigning any reason.

How It Works

At online checkout or when placing an order over the phone:
1) Choose the Atome at the checkout page.
2) Your credit card will be authorized for the entire amount of your order, but you are only charged for the monthly installment. For example, a RM3,000 order using a 3 month installment plan would be charged RM1000 on the day of the order, and RM1000 each following month for the remaining 2 months.

Please note that the total cost of the product(s) will be charged to your card. You only need to pay the monthly instalment to your card, but the entire amount is held in reserve on your card to ensure payment.

Frequently Asked Questions

Q: Will I be charged any interests or hidden fees?
A: Absolutely not, we do not add any processing or hidden fees on top of the cost. You will be paying the same amount as if you had not selected the instalment plan.

Q: Do you need to do a credit check?
A: No, we simply reserve the amount on your card as collateral (as described above - reserve hold). You will never see it on your bill. 

Q: How to redeem Atome voucher?
A: To redeem a voucher, you need install the Atome app from this link here.

Please find below the steps to use claim voucher:

  • Step 1: Navigate to My Home, My Space landing page in the Atome app (via dedicated campaign banner under deals section)
  • Step 2: Click Claim voucher on the landing page >> Once claimed, the voucher will be in your voucher waller in the app under voucher tab.
  • Step 3: Use your voucher on applicable merchants
  • Please see this link for more information.