Layaway at Gun Shops


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GunLvrNLearner
October 12, 2008, 09:58 PM
Does any gun shops near you have layaway or financing plans?

Do any online gun retailers offer any plans?


Larrys here in Huntsville,AL has a plan....3 monthly payments i believe it is

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Rmart30
October 12, 2008, 10:06 PM
Do any online gun retailers offer any plans?

I think Buds guns offers a layaway on their web site.

Deadmanwalking_05
October 12, 2008, 10:08 PM
I have a 617 on layaway at Mooney's gun and bait shop.

Haywood
October 12, 2008, 10:17 PM
I work at one that does. normally $50 to $100 down. then when you pay it off we do the NIX Check and you are a Gun Owner. Depends on the gun price as to how much time we give you. usually we are pretty easy. If you are going to pay it off before 30 days we can do the NIX check to get that out off the way in case you get delayed. The Nix Check is good for 30 Days.

Fat Boy
October 12, 2008, 10:21 PM
I have purchased a few guns on lay-a-way; I think Gander Mountain has a lay-a-way program as well. Buds Gun Shop website has an ad about interest free financing, but I think it is through a separate financing company.

The Lone Haranguer
October 12, 2008, 11:42 PM
Sure, many gun shops offer layaway, typically 25% down and 30-60 days to pay off the balance. It only takes a phone call to ask. Large retailers like Cabela's and Sportsman's Warehouse also offer it. I've bought several guns this way over the years.

I've seen a finance plan (administered through GE Money Bank) at Bud's Gun Shop's website but don't have any details.

glockman19
October 12, 2008, 11:45 PM
www.budsgunshop.com offers purchases with the GE Money Credit Card, if you qualify. No Interest No payments, for up to 6 months depending on how much you spend.

mljdeckard
October 13, 2008, 12:35 AM
Impact lays away, I don't know about online.

kamagong
October 13, 2008, 12:43 AM
I've bought a gun from Whittaker's on layaway. I'm not sure, but I think it's 60 days.

Crow1108
October 13, 2008, 12:48 AM
Impact, and I believe Sportsmans both do layaways near me. I know Jim's and D&L products in NC (Fayetteville and Monroe, respectively) do too.

Not too sure about online though.

savetheclaypigeons
October 13, 2008, 12:54 AM
if you need to finance a few hundred dollar item you must really need a gun :what::cool:

Quoheleth
October 13, 2008, 05:22 AM
All I've seen have been willing to do some kind of short-term layaway plan: 30-90 days, depending on the gun, and none have charged a fee to do so.

I've done it three times, all with used guns. New guns you can always find again. Used bargains you sometimes gotta jump on with both feet.

Q

jjk308
October 13, 2008, 07:52 AM
Save up your money. Cash speaks louder than a promise to pay it all sometimes in the future and you'll usually pay less.

Bill2e
October 13, 2008, 08:03 AM
Two shops around me to 20% down, 90 days.

Like said before if you need to use it, maybe you can't afford the gun.

However it is great when you walk in with only a few bucks in the pocket & find a great deal on a used rifle. You give them what you have, they hold it & you come back next week and pay.

Everyone is happy.

ultramag44
October 13, 2008, 08:10 AM
jjk308said: Save up your money. Cash speaks louder than a promise to pay it all sometimes in the future and you'll usually pay less.

I agree 100%, provided ,the gun in question is still in production, and the dealer can simply re-order one. If it's not in production, the question gets a bit sticky.

That's why developing a good relayshionship w/ your dealer is so important. The more you put into it, the more you get...almost like dating...or marriage! :eek:

Old reprobates like me can simply take a gun out of the display case, put it in the dealers safe and say "I want this." No paperword or deposit. When a man's good on his word, he's good for it. :cool:

Newbie's have to put down $$, paperwork, etc, etc.

http://i137.photobucket.com/albums/q228/ultramag44/100_0932-1.jpg

wnycollector
October 13, 2008, 08:23 AM
I just put a gun on lay-away yesterday. I bought a Colt Officers Match last week from an online auction site. I was killing time and noticed a 98% (minor blue wear on end of barrel only!) 5" S&W M&P 4th change for...$199! I gave the counter guy $40, my name and pistol permit # and now I have 60 days to pick it up:)

Bill2e
October 13, 2008, 08:27 AM
And that is where layaway makes sense. Nice find.

wnycollector
October 13, 2008, 08:46 AM
Bill2e thanks. I coulnt pass it up! I have its older brother M&P 1905 2nd change 5" at home now...he was getting lonley as my only K frame. Lots of J and N frames...but only one K frame...I needed to balance out my S&W collection:)

jackstinson
October 13, 2008, 09:11 AM
I pretty much always have one gun on layaway at Vance's and another (or two) on layaway at Norton's. Both are in central Ohio.
Vance's requires 20% down and 45 days to pay...and on used guns they have a 30-day warranty after purchase. Norton's requires 10% down with 30 days (usually flexible if they know you) to pay.....they also stand behind their used guns.
I see some gunbroker.com dealers offering 50% down layaways.

WVMountainBoy
October 13, 2008, 09:51 AM
My local gun store has a great lay away policy. Usually only ask for 10% down on something in the store, 20% down on an order.

theotherwaldo
October 13, 2008, 10:45 AM
Most of the gun shops and pawn shops in my area offer 90-day lay-away plans. This works well with my decision to limit myself to only four more guns per year.

possum
October 13, 2008, 08:02 PM
yeah the local place here has a 60day layway, for the most part all teh gun stores that i frequent have similar plans, i normally don't use it, but i have in the past once.

theNoid
October 14, 2008, 07:42 PM
You know everyone who says "save the money then buy" apparently do not realize that when I put a gun on lay-a-way, I am in fact doing just that...saving the money. Even moreso than if I were to save the money in a shoebox or bank account, in which I may "dip into" here or there for other stuff.

I bought my model 617 with 8 3/8" barrel on lay-a-way, there's no way I could afford $550 in a one time payment with wife and three kids. Besides that, it is a relatively rare edition that may have not waited in the case long enough for me to "save" the money....that would have really sucked.

In fact, I now have a S&W 2206 with 6" barrel on lay-a-way at a store. Yet again, a relatively rare gun to find. I couldn't afford it the day I wanted it. I knew if it stayed in that display case for much longer, I would lose it. So, I have it on lay-a-way, I am saving the money by doing this, and there is no chance someone else will get the gun before I do now.

All of the local guys have a lay-a-way of some type or another. The one I am currently buying the 2206 simply took $20 down and I stop by and give him a few bucks anytime I am in town...which is about once every two weeks. My father has become quite the close friend with this guy so I think he takes care of me a little more lenient than with most folks. :)

Noidster

pistobro206
October 15, 2008, 12:07 PM
I've purchased a few on layaway in a couple of gun shops. The one that has the most flexible plan is also a pawn shop and they only require 20% down and 5 monthly payments to pay it off. Usually I can't wait the 5 months and pick it up on the 3rd payment cycle, but I like the ability to stretch it out 5 months. That pawn shop's gun counter is usually busy when I stop by on the weekends. Other local shops that don't offer even a 30% down and 90 days to pay just look at you funny when you ask about a layaway plan.

-Albert

clarence222
October 15, 2008, 02:02 PM
Ive used layaway sveral times none of which had to do with whether or not I could afford the gun. I recently put a Dan Wesson pitol pak on layaway at gander mountain, I had the money in the bank but didn't have a check on me and don't own a debit card. I hate using CC's so to get the gun I put what little cash I had on me down on the gun and put it on layaway.

I'll use layaway any day to keep frm using CC's.

You can think what you want about what someone can or can't afford, but unless you know there situation you should keep your opinions to your self

kamagong
October 15, 2008, 04:21 PM
That's why developing a good relayshionship w/ your dealer is so important. The more you put into it, the more you get...almost like dating...or marriage!

Old reprobates like me can simply take a gun out of the display case, put it in the dealers safe and say "I want this." No paperword or deposit. When a man's good on his word, he's good for it.

Newbie's have to put down $$, paperwork, etc, etc.


Sage advice. My favorite dealer is a young guy and his shop has only been open for a year and a half. But I have already bought three guns from him. My latest was a lightly used Hi-Power. I had seen it in the shop when I stopped by one day, but I didn't jump on it right away. I was afraid that it would be gone by my next visit, so I placed a call the following morning. He set it aside for me no questions asked. It pays to have a good relationship with your dealer.

Ala Dan
October 15, 2008, 04:45 PM
come south of Huntsville, AL to a little town called Bessemer, AL
and you will find:

Simmons Sporting Goods
2001-2nd Ave North
BESSEMER, AL 35020
PX: (205) 425-4720 or (205) 426-0490

With 9% sales tax added (if applicable?), and after 25% down, we
offer a 90 day Lay-A-Way Plan.

or 6 months interest free financing on purchases over $300, thru
either American General Finance, or GE Money Store.

*Special Note- all handgun purchases MUST BE financed by GE Money Store; as American
General washed their hands of financing handguns after the VA TECH shooting, where lives
were lost~!

McCain-Palin on November 4th~!

Aka Zero
October 16, 2008, 08:59 AM
Local shop has it. 25% down on anything, 60 days to pay.

Most things I get are special order (small shop). So $100 gets it ordred, pay the rest when it gets there.

Buck Kramer
September 27, 2011, 08:48 PM
Several retailers on gunbroker offer layaway...you end up paying above msrp most times though...

opr1945
September 27, 2011, 10:43 PM
One of the local gun shops here has a lay-a-way as follows:

1. at least $20 down.

2. at least $10 every other week.

3. up to 6 months. longer if you have a good payment history.

4. you can have more than one lay-a-way at a time.

5. If you change your mind and want to replace one gun with another you can do so. If the new gun's cost is less than the old gun, no problem. If the new guns cost is less than you have already paid you get a store credit for the surplus.

Prices aren't always the cheapest, but selection is usually very good

JMO but works well for me.

wlewisiii
September 27, 2011, 11:07 PM
My local Gander Mountain does. That fact alone makes up for the higher prices on new firearms because it's often the only way I could possibly afford many of the firearms I own.

sarge83
September 28, 2011, 09:29 AM
My local gun/pawn has layaway, 25% down and 90 days to pay off is the standard policy. Although I have bought several from them and have placed a gun on layaway with as little as a couple of dollars and they give me 5 to 6 months to pay them off if need be.

Fishslayer
September 28, 2011, 11:02 AM
Save up your money. Cash speaks louder than a promise to pay it all sometimes in the future and you'll usually pay less.

^^^This.

group17
September 29, 2011, 10:51 AM
The best thing about Layaway is if you find that used weapon you have been looking long and hard for its yours. Normally if you waited till you saved enough it would be long gone.

Skylerbone
September 29, 2011, 11:35 AM
Bud's policy is 20% down, 90 days, no charge, e-check, credit card, no refund on cancellations or over-time limit and I believe a $25 minimum payment per installment. You can however do as I did and put money down then pay it all off at once (no required monthly payment). I did so to acquire a hard to find Colt but did not want it arriving until I was back in town.

With $2000+ shotguns and the like I can see why layaway is back in force and credit cards are back in the trash. I have one card used for reservations and emergencies and I had the money for that Colt some 6 months before I finally found it.

X-Rap
September 29, 2011, 11:47 AM
I can't see myself ever using layaway for a gun but I can't see me buying over the internet either.
I'm sure I get better deals with a cash OTD price than if I try to deal with money I have to bring in installments, I haven't ever seen an online sale that I couldn't beat locally after shipping, and transfer fees.

Skylerbone
September 29, 2011, 01:04 PM
$920 + 7% sales tax = $984.40 local with no availability but same price quote.

$920 + free shipping + free layaway + $10 FFL fee = $930 online price and in stock.

Used to use layaway to keep presents away from prying eyes but most local stores don't offer it. If it is local I buy it outright.

X-Rap
September 29, 2011, 01:12 PM
I haven't paid retail at a store front in many years, I buy when the price is right and walk if not.
New guns also have less room to fudge so I stay away from them for the most part. I don't doubt that anything can be found on line if one wants it I just like used and want hands on before I buy.

Steve CT
September 29, 2011, 09:00 PM
Yes, all the local shops do, and if you are a regular they will be a little flexible on the terms. The local Cabela's also does lay away.

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