Layaway

Layaway lets you lock today’s price on an item you want and pay it off in your own time, with no credit check, no interest and no debt. When the balance is clear, the firearm ships to your dealer. Until then it sits in our building with your name on it.

The terms

How it works

1. Choose your itemMost in-stock firearms, safes and higher-value optics are eligible. Ammunition, clearance items and special orders are not.
2. Pay the depositTwenty percent secures the item. It comes off the shelf, out of live inventory and into the layaway rack immediately, so nobody else can buy it.
3. Pay it downPay whatever suits you whenever suits you, online through your account, by phone, or by adding a gift card balance. Make at least one payment every 30 days to keep the plan active.
4. Clear the balanceOnce the final payment lands, the order moves into normal fulfilment.
5. Complete the transferFor a firearm, we verify your dealer and ship exactly as with any other order. You collect in person after the usual paperwork and background check.

What layaway is good for

Missed payments and cancellation

If 30 days pass with no payment, we email a reminder and give you a further 15 days. If nothing arrives, the plan is cancelled, the item returns to stock, and you are refunded what you paid less the 10% cancellation fee. We would much rather extend a plan than cancel one, so tell us if something has changed and we will work with you. Extensions are granted on request in almost every genuine case.

You can cancel voluntarily at any time and receive the same treatment: your payments back, less the cancellation fee. That fee is not a punishment, it covers holding stock out of sale for months, which is a real cost.

Changes to a plan

• Swapping items is possible once per plan, provided the new item is equal or greater in value, and the price of the new item is the price on the day of the swap.
• Paying early carries no penalty. Clear it whenever you like.
• Adding to a plan is not possible. Start a second plan instead, which keeps the accounting clean for both of us.
• Transferring a plan to another person is not permitted, since the eventual transfer must be to the buyer.

What is not eligible

Ammunition and reloading components, gift cards, NFA and Class III items, special orders and custom builds, clearance and open-box items, and any order under $200. Items already discounted under a manufacturer promotion may be excluded where the promotion requires immediate purchase.

A word about affordability

Layaway is a budgeting tool, not a reason to buy something you cannot afford. If clearing a plan would mean missing a bill, buy the cheaper option or wait. That advice costs us margin and it is still the right advice.

Layaway is a deposit-based purchase plan, not a credit agreement. No interest is charged and no credit reporting takes place. Full terms are those published on this page at the time your plan begins.