3 or 6 months
Interest-free instalments
For eligible orders up to $10,000. No interest or AJ & CO fee; provider approval applies.
Best for a shorter term
Flexible payment · Clear terms
Own it your way.
Compare eligible payment routes with the term, monthly illustration and total repayable presented before you decide.
01Clear totalSee the full illustration first
02No obligationExplore before committing
03Data-light enquiryNo card or account details collected
Illustrative examples
See the complete picture.
Simple examples for comparison—not a quote or an offer of credit.
| Order | Route | Term | Monthly | Total |
|---|---|---|---|---|
| $1,500 | Interest-free | 3 months | $500 | $1,500 |
| $5,000 | Interest-free | 6 months | $833 | $5,000 |
| $12,000 | Extended plan | 24 months | $560 | $13,440 |
| $25,000 | Layaway | 12 months | $2,083 | $25,000 |
Illustrative figures only. The provider’s live APR, fees and total repayable are shown before you proceed and take precedence. AJ & CO is not a lender and does not provide financial advice.
No-obligation enquiry
Find your available options.
Tell us the approximate purchase value and preferred term. We will explain which current routes may apply before a provider application begins.
01
No payment detailsWe do not ask for card, bank-account or identity-document numbers here.
02
Provider-led approvalAny eligibility check and final credit decision belongs to the named provider.
03
Clear before commitmentReview the term and total repayable before choosing to proceed.
Before you apply
Financing, explained.
Key points about eligibility, commissions and provider responsibilities.
No. This AJ & CO enquiry is not a credit application. If a provider offers a soft eligibility check, it does not affect your score; they will identify any later hard check before it happens.
A third-party provider identified before application. AJ & CO is not the lender and does not set the provider’s rate or eligibility decision.
Layaway may be available. Other instalment products often require a finished piece, so a commission may instead use a production deposit with the balance due on completion.
The provider’s agreement sets out missed-payment consequences and support options. Contact them promptly; our team can help you locate the correct provider contact.