Finance & payment plans

0% interest-free finance for 12 months, in-house lay-by, and the small print — all in plain English.

Spread the cost

For orders over £500 we offer interest-free finance through our credit partner, subject to status. Pay the deposit at checkout and spread the balance over up to 12 months at 0% APR representative.

How it works

Choose Finance at checkout (or ask at the till in the showroom).
Complete a short online application — you will get an instant decision in most cases.
Pay the deposit (usually 10%) and your goods are released into the delivery schedule.
Set up a direct debit for the monthly payments.

Example

Goods total	Deposit (10%)	Monthly × 12	Interest
£1,200	£120	£90	0%
£2,500	£250	£187.50	0%
£5,000	£500	£375	0%

Eligibility

Aged 18 or over and resident in the UK.
In permanent employment, self-employed, or in regular receipt of pension / benefits.
A UK bank account that can support direct debit.
A clean credit record — the lender will perform a soft credit check before a hard one.

If your application is declined

The decision is the lender's and we do not see the reason. You are welcome to pay by another method — debit card, bank transfer, or our in-house lay-by service (see below).

Lay-by — the alternative

If finance is not the right fit, we run a simple lay-by service: pay a deposit, agree a settlement date, and we hold the goods for up to three months. No credit check, no interest. Ask at the till.

The legal bit

J & M McEwen is a credit broker, not a lender. Finance is provided by our authorised credit partner. Credit subject to status; terms and conditions apply.

Last updated 2026-05-25 · J & M McEwen, Kirkwall