I don't understand about your complaint about loaning them money. I have several UK's, and yes they charged me before they started making them (the few times I haven't just bought one off the rack). For my PK, Jeff charged me the day I ordered and about 5 weeks later I got a kilt. I ordered 9 yards of Tartan woven for me, and was charged when I placed the order not three months later when they shipped it.

Even in non kilt purchases, I have been charged on the day I ordered a product not when the company decides to send it (and almost everybody has the 6-8 week disclaimer when you order).

Where do you buy things that don't charge you when you place the order?

Adam