We’ve put together a range of finance deals that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative. Using one of our finance options is the convenient way to get your hands on the building supplies you want TODAY without breaking the bank! In short, our finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget.

The application process is simple and only takes minutes to complete. Spread the cost of your purchase over a time to suit you, whether it’s 12, 18, 24, 36 or 48 months. Just select the Pay on Finance option when you check out on our website and follow the online prompts. Alternatively, call 01752 692 221 and one of our Sales Representatives will be happy to assist.

Which finance product is right for you?

TermMinimum OrderDeposit (10%)Monthly InstallmentTotal Payable
12 Months£500.00£50.00£41.24£544.94
18 Months£500.00£50.00£28.70 £566.62
24 Months£500.00£50.00£21.60£568.39
36 Months£500.00£50.00£15.37£603.44
48 Months£500.00£50.00£13.21£683.91

cmostores.com Ltd currently offers five finance options:

  • 19.5% for 12 months, minimum spend £500.00
  • 19.5% for 18 months, minimum spend £500.00
  • 14.9% for 24 months, minimum spend £500.00
  • 14.9% for 36 months, minimum spend £500.00
  • 19.5% for 48 months, minimum spend £500.00

Finance Terms and Conditions

If your application is successful you will receive a confirmation email with your order details and anticipated delivery date. Your item will be dispatched and delivered according to the timescale shown on your confirmation email. Please note: to safeguard against fraudulent applications, we regret that we are able only to deliver goods to the home address of the applicant. Pay on Finance credit products are available over 12, 18, 24, 36 or 48 months, subject to conditions and status. To be eligible to apply for finance, you must be 18 or over, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time.

Pay on Finance is provided through our external partner, Klarna and if your application is successful you will enter into a credit agreement with Klarna.



Should you choose to cancel your credit agreement with Klarna and have already received your goods from us, then you will be liable to pay Klarna, in full, for the product (unless your cancellation rights apply).


Who is eligible for finance?

Finance is available on orders over £500.00 placed on our website, or over the telephone. This amount includes VAT and any additional service and delivery options/charges selected.

To apply you will need to be:

  • 18 or over
  • A UK resident for 3 years or more/permanent UK resident
  • Be able to make regular repayments by Direct Debit
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account

Other conditions may apply and we cannot guarantee that your application will be accepted.

How long will it take to apply?

You should get an instant answer on whether your finance application has been successful. In some cases, Klarna – our 3rd party financial services provider – will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. You must use your full name and address and ensure everything is spelt correctly. Please note, this is an ‘online only’ finance option.


  • Finance is available on all purchases over £500.00 inc VAT
  • Buy the items you want now all for a low monthly payment
  • Choose a higher-spec item for a few pounds more per month
  • You can spread the cost of your purchase to minimise your monthly payments
  • One-stop shopping: no need to go to a bank to secure funding
  • Keep cash for day-to-day expenses
  • Fixed repayments — your payments are fixed for the duration of the agreement allowing you to budget more effectively