Layaway at Gun Shops

[GunLvrNLearner]

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

 

[Rmart30]

Do any online gun retailers offer any plans?

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

 

[Deadmanwalking_05]

I have a 617 on layaway at Mooney's gun and bait shop.

 

[Haywood]

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]

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]

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]

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]

Impact lays away, I don't know about online.

 

[kamagong]

I've bought a gun from Whittaker's on layaway. I'm not sure, but I think it's 60 days.

 

[Crow1108]

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]

if you need to finance a few hundred dollar item you must really need a gun

 

[Quoheleth]

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]

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]

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]

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!

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.

 

[wnycollector]

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]

And that is where layaway makes sense. Nice find.

 

[wnycollector]

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]

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]

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]

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]

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]

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]

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]

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