Finance Options – The Sewing Studio

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.

celebration 0% interest options available

bolt Instant decisions online

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Your flexible payment options

Three trusted providers, each with their own superpower. Here is how they compare.

Novuna Personal Finance

Interest Free Credit

Interest · up to 36 months

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

check_circle Choose 6, 10, 12, 18 or 24 month terms
check_circle Just 10% deposit to get started
check_circle Overpay or settle early at no extra cost
check_circle Fixed monthly amounts, easy to budget
check_circle Instant online decision

Best for: Getting the machine you want, paying no more than the price tag

Please note that the terms available depend on the model of machine and the value of your order.

Novuna Personal Finance

Buy Now, Pay Later

6–12

months payment-free

Start sewing straight away and defer your first payment for 6, 9 or 12 months. Settle in full within the deferral period and you will pay no interest.

check_circle No payments at all during deferment period
check_circle Pay in full to settle early (£29 fee)
check_circle Or roll into 48-month flexible repayments (19.9% APR)
check_circle Minimum spend £223 with 10% deposit

Best for: Maximum breathing room before repayments begin

Please note that the terms available depend on the model of machine and the value of your order.

Novuna Personal Finance

Flexible Credit

months · from 10% deposit

Make regular fixed payments over up to 48 months. A great option when you want to keep monthly payments low and spread the cost over a longer period.

check_circle Up to 48 monthly payments
check_circle Just 10% deposit to get started
check_circle Overpay or settle early to reduce interest paid
check_circle Fixed monthly amounts, easy to budget
check_circle Instant online decision

Best for: Keeping monthly payments as low as possible over a longer term

Representative example: £1,000 over 24 months, 10% deposit. Loan £900. APR 19.9%. 24 payments of £45.06. Total payable £1,181.44. Terms depend on model of machine and value of order.

Klarna

Pay in 3

3×

Interest-free instalments over 60 days

Split your order into three equal chunks. Pay one third now, one third in 30 days and the final third at 60 days, automatically.

check_circle Zero interest and zero fees (when paid on time)
check_circle Automatic payments, nothing to remember
check_circle Quick and simple checkout experience
check_circle UK residents 18+ only

Best for: Smaller purchases you want to split over two months

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

Klarna

Pay in 30 Days

days to pay, completely free

Order your machine today and pay up to 30 days later. No interest and no fees as long as you pay within the period.

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

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

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

PayPal

Pay in 4

4×

Interest-free instalments (orders over £99)

Use your PayPal account to spread the cost into four equal interest-free payments. First instalment at checkout then every 30 days.

check_circle 0% interest on qualifying orders over £99
check_circle Pay using your existing PayPal account
check_circle Familiar and trusted checkout flow
check_circle Remaining balance after offer period charged at standard variable rate

Best for: PayPal users who want a quick and simple split payment

Subject to PayPal's review of your details and financial 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? Call us or use our Machine Finder quiz.

Select your option

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

Quick decision

Most applications get an instant online decision. No long waits and no paperwork to post.

Start creating

Once approved your order is confirmed and we will get your machine on its way to you.

Browse Machines Take the Machine Quiz

Am I eligible?

Here is a quick overview of the main requirements for each provider

account_balance Novuna

check Aged 18 or over
check UK resident for 3+ years
check Employed 16+ hrs/week or regular income (incl. pension)
check UK bank account for Direct Debit
check Good credit history
check Valid email address

shopping_bag Klarna

check Aged 18 or over
check UK resident
check Valid debit or credit card
check Positive credit history
check Mobile number for verification
check Subject to Klarna's review of your details and financial circumstances

payment PayPal

check Aged 18 or over
check UK resident
check Good credit history
check Employed with income over £7,500/year
check Not recently declared 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.

phone Call Us: 01209 216 942 mail Message Us help_outline Visit Help & Support

Questions? We have got answers.

Select your finance provider below

When do my repayments start? expand_more

Your first monthly repayment starts one month after your machine has been delivered so you can get sewing straight away.

Are there any hidden fees or arrangement charges? expand_more

No. For interest-free credit there are no arrangement fees or hidden extras. The Buy Now Pay Later option has a £29 early settlement fee if you pay in full within the deferment period. If you let it roll into the repayment plan there is no separate fee.

Can I pay off my finance early? expand_more

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 applying affect my credit score? expand_more

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? expand_more

To protect against fraud delivery must go to the applicant's home address for all Novuna finance orders.

My application was declined. What now? expand_more

Do not worry. Circumstances change and a decline does not mean you cannot try again. We would suggest waiting around 6 months before re-applying. In the meantime feel free to call us and we will try to help find an option that works for you.

Can I buy in our shop using Novuna finance? expand_more

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

Once approved what happens next? expand_more

Within minutes of approval you will be able to e-sign your finance agreement online. Once signed we will be notified and your order will be processed. Your machine will be on its way to you shortly after.

What if I have a complaint about my finance agreement? expand_more

In the first instance please contact us at sales@thesewingstudio.co.uk or write to us at The Sewing Studio, 10 Chapel Street, Redruth, Cornwall, TR15 2DB and we will do our best to resolve things within 3 working days. If you are still unhappy after our process has been exhausted you can contact Novuna Personal Finance directly. You also have the right to refer your complaint to the Financial Ombudsman Service (FOS), free of charge, at financial-ombudsman.org.uk or by calling 0800 023 4567.

How does Klarna Pay in 3 work? expand_more

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

How does Klarna Pay in 30 Days work? expand_more

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

Is my Klarna application guaranteed to be approved? expand_more

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

What happens if I miss a Klarna payment? expand_more

Late or missed payments may incur fees and could negatively affect your credit status and your ability to use Klarna in the future. Klarna will contact you if a payment is missed. 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? expand_more

You can view and manage all your Klarna payments through the Klarna app or by logging into your Klarna account at klarna.com. You will also receive email reminders before each payment is due.

Is Klarna a regulated credit product? expand_more

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. Full details at klarna.com/uk/terms-and-conditions. Please note that Klarna's Buy Now Pay Later products are expected to come under FCA regulation from July 2026.

How does PayPal Pay in 4 work? expand_more

Your order is split into four equal interest-free payments. The first is taken at checkout with the remaining three collected automatically every 30 days. Available on orders over £99.

Do I need a PayPal account? expand_more

Yes, you will need a PayPal account to use this option at checkout. If you do not have one signing up is free and straightforward at paypal.com.

Is PayPal Pay in 4 really interest free? expand_more

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

What are the eligibility requirements for PayPal finance? expand_more

You must be a UK resident aged 18 or over, employed with an income over £7,500 per year, have a good credit history and not have been recently declared bankrupt. Credit is subject to status and affordability.

Where can I find more information about PayPal Credit? expand_more

Full details, terms and FAQs are available on the PayPal website 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 on our site is available with flexible payment options.

storefront Shop Sewing Machines quiz Take the Machine Quiz phone Call Us: 01209 216 942

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

Financial Ombudsman Service: If you are not satisfied with how a complaint has been handled you may be able to refer it to the Financial Ombudsman Service (FOS). The FOS can be contacted at financial-ombudsman.org.uk or by calling 0800 023 4567. Referral to the FOS is free of charge.

Klarna: Klarna's Pay in 3 and Pay in 30 Days are currently unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. klarna.com/uk/terms-and-conditions. Please note that Klarna's Buy Now Pay Later products are expected to come under FCA regulation from July 2026.

PayPal: During the 4 months offer period the 0% balance is included when calculating your minimum monthly repayment. Any remaining balance after the offer period or transactions under £99 will be charged at your standard variable rate. Credit subject to status.

Representative Example (Novuna Interest Free, £1,000 over 12 months, 10% deposit): Cash Price £1,000. Deposit £100. Loan Amount £900. Interest rate 0%. 12 monthly repayments of £75.00. Total Amount Payable £1,000.

Representative Example (Novuna Standard Finance, £1,000 over 24 months, 10% deposit): Cash Price £1,000. Deposit £100. Loan Amount £900. APR representative 19.9%. Interest rate 19.9% p.a. fixed. 24 monthly repayments of £45.06. Total Amount Payable £1,181.44. Warning: the actual cost of borrowing will depend on your personal circumstances and the term you choose. Always check the total amount payable before entering into a credit agreement.

If you are concerned about your finances or would like free and impartial money advice, visit MoneyHelper.org.uk or call 0800 138 7777.