splitit Splitit is the only buy-now-pay-later plan that lets shoppers set up payment plans with their existing credit cards without interest charges or fees. We've created a list of the best mattress brands that accept Splitit as a payment option so you can buy a mattress now and pay later. Discover the most popular Splitit stores for buying a mattress. Our top picks for buying a mattress with Splitit include Ghost Bed, DreamCloud, and Nectar.