Sewing Machine Finance & Pay Monthly OptionsUpdated 2 days ago

Own the machine you love, today

Why wait? With 0% interest options and payments you can spread over months, there has never been a better time to invest in the machine you really want.

✓ 0% interest options ⚡ Instant decisions online ✓ FCA regulated

Your flexible payment options

Not all finance is the same - here is what makes each option different.

🏦 Novuna Personal Finance

Novuna

Interest Free Credit

Interest · up to 36 months

Split the cost into equal monthly payments with zero interest. You pay exactly the price shown, nothing more.

✓ 6, 10, 12, 18 or 24 month terms
✓ Just 10% deposit to start
✓ Overpay or settle early free
✓ Fixed amounts, easy to budget
✓ Instant online decision

Best for: Paying no more than the price tag

Terms depend on model and order value.

Novuna

Buy Now, Pay Later

6-12

months payment-free

Defer your first payment for 6, 9 or 12 months. Settle in full within the deferral period and pay no interest.

✓ No payments during deferment
✓ Settle early for £29 fee
✓ Roll into 48-month plan (19.9% APR)
✓ Min. spend £223 with 10% deposit

Best for: Maximum breathing room before payments begin

Terms depend on model and order value.

Novuna

Flexible Credit

months · from 10% deposit

Fixed payments over up to 48 months. Great for keeping monthly amounts low over a longer period.

✓ Up to 48 monthly payments
✓ Just 10% deposit to start
✓ Settle early to reduce interest
✓ Fixed amounts, easy to budget
✓ Instant online decision

Best for: Keeping monthly payments as low as possible

Rep. example: £1,000 over 24 months, 10% deposit. Loan £900. APR 19.9%. 24 payments of £45.06. Total £1,181.44.

🛍️ Klarna & PayPal

Klarna

Pay in 3

3×

Interest-free over 60 days

One third now, one third at 30 days, one third at 60 days - automatically, with zero interest.

✓ Zero interest when paid on time
✓ Automatic payments
✓ Simple checkout experience
✓ UK residents 18+ only

Best for: Splitting smaller purchases over two months

Subject to Klarna's review of your details and circumstances.

Klarna

Pay in 30 Days

days to pay, completely free

Order today and pay up to 30 days later. No interest and no fees as long as you pay on time.

✓ No interest or fees when on time
✓ Great for gifts or special occasions
✓ UK residents 18+ only

Best for: Getting your machine now while you wait for payday

Subject to Klarna's review of your details and circumstances.

PayPal

Pay in 4

4×

Interest-free (orders over £99)

Four equal interest-free payments via your PayPal account. First at checkout, then every 30 days.

✓ 0% interest on orders over £99
✓ Uses your existing PayPal account
✓ Familiar, trusted checkout

Best for: PayPal users wanting a quick split payment

Subject to PayPal's review of your details and circumstances.

How it works

Getting finance is simple and takes just a few minutes

Choose your machine

Browse our full range and find the machine that is right for you. Not sure? Use our Machine Finder quiz.

Select your option

At checkout, choose your preferred provider and term. You will see exactly what you pay each month.

Quick decision

Most applications get an instant online decision. No long waits, no paperwork.

Start creating

Once approved, your order is confirmed and your machine is on its way!

Browse Machines Take the Machine Quiz

Am I eligible?

A quick overview of the main requirements for each provider

🏦 Novuna

✓ Aged 18 or over
✓ UK resident 3+ years
✓ Employed 16+ hrs/week or pension
✓ UK bank account (Direct Debit)
✓ Good credit history
✓ Valid email address

🛍️ Klarna

✓ Aged 18 or over
✓ UK resident
✓ Valid debit or credit card
✓ Positive credit history
✓ Mobile number for verification

💳 PayPal

✓ Aged 18 or over
✓ UK resident
✓ Good credit history
✓ Income over £7,500/year
✓ Not recently bankrupt

Still have questions?

Our friendly team are on hand to talk you through your options and help you find the right machine and payment plan.

📞 01209 216 942 ✉ Contact Us

Questions? We have got answers.

Browse by provider below

🏦 Novuna

Who are Novuna?

Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC, one of the UK's leading retail finance providers. You can read more about their retail finance offering at novunapersonalfinance.co.uk/retail-finance.

How do I choose to pay by finance?

Simply select the finance option on the checkout page, or let one of our team know if you are buying in our Redruth shop.

Who is eligible to apply for online finance?

To apply for online finance you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a UK resident and have lived in the UK for the last 12 months or more. Unfortunately we are unable to offer online finance to residents of Eire. Homemakers are not excluded from applying in their own name; however the employment details of your spouse or partner will be required to process the application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered. For Buy Now Pay Later agreements the monthly repayments will start 12 months after delivery.

Are there any arrangement fees or hidden extras?

No. There are no arrangement fees or hidden extras.

How does applying for finance work?

Applying for online finance is straightforward and only takes a few minutes. Add your machine to the basket, select the finance option at checkout, and complete the online application form. The process is simple and secure, and you will receive an instant decision in most cases. Once approved, you will be guided through how to e-sign your finance agreement and you will receive a confirmation email. Please read the agreement carefully to check that all the details are correct before signing.

Once my application is approved, what happens next?

Within minutes of approval you will be able to e-sign your finance agreement online. A PDF of the agreement will be displayed on screen - please read it carefully before clicking through the relevant sections to agree to its terms. Once you have signed, The Sewing Studio will be notified and your order will be processed and despatched shortly after.

Can I pay off my finance early?

Yes. For interest-free credit you can overpay or settle early at any time with no penalty. For interest-bearing plans, settling early will reduce the total interest you pay.

Will you credit score me, and what does that mean?

Yes. Credit scoring is the process used by financial services companies to evaluate credit risk. It works by awarding points based on information you provide on the application form - such as age, income and occupation - together with information from credit reference agencies. This allows consistent and fair decisions to be made. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

My application was declined. What is the reason?

Novuna is unable to provide a specific reason for declining an application, but decisions are usually based on one or a combination of the following: your credit score (every lender scores differently); adverse information held by credit reference agencies; being considered overcommitted; being under 18; or existing account performance with other lenders. We suggest waiting at least 6 months before reapplying. Feel free to call us on 01209 216 942 in the meantime and we will do our best to help.

How do I obtain a copy of this information?

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian: Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
Equifax: Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
TransUnion: Consumer Services, PO Box 491, Leeds, LS3 1WZ
InfactSystems Limited: 2-7 Clerkenwell Green, London, EC1R 0DE

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Will applying affect my credit score?

Novuna will carry out a credit search as part of the application, which may leave a footprint on your credit file.

Can my order be delivered to a different address?

In order to safeguard against fraudulent applications, delivery can only be made to the home address of the applicant.

Can I buy in your shop using Novuna finance?

Absolutely. Just let our team know when you visit our Redruth shop and they will take you through the options. Give us a call on 01209 216 942 if you would like to chat before visiting.

What if I have a complaint about my finance agreement?

Please contact us at [email protected] or write to The Sewing Studio, 10 Chapel Street, Redruth, Cornwall, TR15 2DB. We will aim to resolve things within 3 working days. If you remain unhappy, you can contact Novuna directly or refer your complaint to the Financial Ombudsman Service (FOS) free of charge at financial-ombudsman.org.uk or 0800 023 4567.

🛍️ Klarna

How does Klarna Pay in 3 work?

Your order total is split into three equal payments. The first at purchase, the second 30 days later and the third after 60 days — automatically, with no interest or fees when paid on time.

How does Klarna Pay in 30 Days work?

You place your order today and Klarna gives you up to 30 days to pay the full amount. No interest and no fees as long as you pay within the 30-day window.

Is my Klarna application guaranteed?

No. Approval is subject to Klarna's review of your details and financial circumstances at the point of checkout.

What happens if I miss a Klarna payment?

Late or missed payments may incur fees and could negatively affect your credit status and ability to use Klarna in the future. We always recommend only using buy now pay later if you are confident you can make the repayments.

Where can I manage my Klarna payments?

Through the Klarna app or by logging in at klarna.com. You will also receive email reminders before each payment is due.

Is Klarna a regulated credit product?

Klarna's Pay in 3 and Pay in 30 Days are currently unregulated credit agreements. 18+, UK residents only. T&Cs and late fees apply. See klarna.com/uk/terms-and-conditions. Klarna's BNPL products are expected to come under FCA regulation from July 2026.

💳 PayPal

How does PayPal Pay in 4 work?

Your order is split into four equal interest-free payments. The first at checkout, then three more every 30 days. Available on orders over £99.

Do I need a PayPal account?

Yes, you will need a PayPal account. Signing up is free at paypal.com.

Is PayPal Pay in 4 really interest free?

Yes, as long as you pay all four instalments on time. Any balance remaining after the offer period or on orders under £99 will be charged at your standard PayPal variable rate.

What are the eligibility requirements?

UK resident, aged 18+, employed with income over £7,500/year, good credit history, and not recently declared bankrupt. Credit is subject to status and affordability.

Where can I find more information?

Full details and FAQs are at paypal.com/uk.

Ready to find your perfect machine?

Browse our full range or take our quiz to find the machine that is right for you. Every machine is available with flexible payment options.

Shop Sewing Machines Take the Machine Quiz 📞 01209 216 942

Credit broker status: Credit subject to status and affordability. Terms and Conditions apply. The Sewing Studio Ltd is a credit broker authorised and regulated by the Financial Conduct Authority. FCA Register no. 846201. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the FCA, Register no. 704348. www.fca.org.uk

Financial Ombudsman Service: The FOS can be contacted at financial-ombudsman.org.uk or 0800 023 4567. Referral is free of charge.

Klarna: Pay in 3 and Pay in 30 Days are currently unregulated credit agreements. 18+, UK residents only. T&Cs and late fees apply. klarna.com/uk/terms-and-conditions. Expected to come under FCA regulation from July 2026.

PayPal: Any remaining balance after the offer period or transactions under £99 will be charged at your standard variable rate. Credit subject to status.

Rep. Example (Novuna 0%, £1,000 over 12 months, 10% deposit): Cash Price £1,000. Deposit £100. Loan £900. 0% interest. 12 payments of £75.00. Total £1,000.

Rep. Example (Novuna 19.9% APR, £1,000 over 24 months, 10% deposit): Cash Price £1,000. Deposit £100. Loan £900. APR 19.9%. 24 payments of £45.06. Total £1,181.44. Always check the total amount payable before entering a credit agreement.

For free and impartial money advice visit MoneyHelper.org.uk or call 0800 138 7777.

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