How it works

SJ 2-Pay is a layaway option. Use your own debit or credit card, or other accepted payment method to pay.

The first payment is charged when your order is submitted (unless extenuating circumstances exist, such as undetermined shipping costs, correct product [engine]). S&J Engines, Inc. will begin payment agreement after processing any corrected orders at no penalty to the shopper.

The next payment is made automatically 45 days after your first payment.

Your engine will ship when the balance is paid in full. If we complete your engine prior to 45 days, you have the option of early settlement at no penalty.

If your engine requires more than 45 days to ship your payment will be processed per layaway agreement. We will ship your engine as soon as it has completed the remanufacturing process and quality assurance testing.

S&J Engines, Inc. charges no interest with SJ 2-Pay and no fees unless you fail to make a payment or, in some circumstances, your payment is returned.

A Late Fee of up to 10% of the total purchase may be charged if any scheduled payment remains unpaid after 10 days (this will never exceed 25% of your Installment Payment amount).

If you cancel your order after three (3) business days from initial purchase we will automatically refund the amount you owe us, minus 7% of the first payment (deposit). If you already paid us for a refunded order, we will refund the balance back to your original payment method minus 7% of the first payment, subject to S&J Engines, Inc. Terms and Conditions.

Depending on your payment method, your financial institution may charge you interest or fees under your agreement with them. If you have any questions about those charges, contact your payment method provider.

Complete Terms and Conditions can be read here.

Buy now, pay over time with PayPal Credit

Use PayPal Credit's digital, reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. Get a credit decision in seconds with a quick application.

No Interest if paid in full in 6 months

1. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
2. A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
3. No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.