The best option is to NOT buy anything like a gun or toy if you don't have the "cash"
My local gun/pawn shop had layaway, no interest just make payments, On New ordered guns you had have 10% down. So LOTS of people used that.
Financing is a gun makes no sense at all to me. It's not like you need it to keep you lights on or the feed your family.
Folks would come into a pawn shop, pawn something for $100 to pay their light bill only to have to pay $125 (or more)a month later to get the item back?? It's a dangerous trap to get caught in.
Ask a local dealer to price match, if not forget it!
You misunderstand. I HAVE the cash to buy it easily, I'm not financing it because I can't afford it. I'm financing it to help my credit.