When buying a gun what payment method do you use.

Some retailers do offer payment plans allowing you to pay in smaller interest-free chunks. Have you considered that option?

It's slightly awkward as you'd need a bus or taxi ride when you get off the train from London but there is a boot sale next month in Marks Tey Parish Hall, just outside of Colchester. Unfortunately, there's no way of knowing what will be for sale until you're there.
I will probably make the journey to Marks Tay on the 7th February, Ive been a couple of times before and it's usually a good spot. Picked up a TM AKS EBB last year which has been a nice, straight shooting if slightly underpowered rifle. The main challenge is it's indoor in a hall you can't test fire the guns. The same people also run a fair at the Skirmish Billericay site which allows you to take kit on the range to test if agreed with the seller.
 
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