Financing Advantages (with approved credit):

Available 365 days a year- why wait for financing sales?

Finance any long gun or sportings goods over $300 at our everyday low prices.

After the paperwork is approved, take it home that day.

After the paperwork is approved, your approval amount works like a revolving line of credit:

For example, if you are approved for $2,000 and decide to use only $1,000 of it that day, you may still return at a later date to make additional purchases of up to $1,000.

There are 2 different financing options available (based on the post sales tax total): 

• No money down, 0% Interest, 6- months same as cash or
• No money down, 12- months, 3% processing fee

How to Qualify for Financing:

Good Credit/Established Credit History- which takes both credit history and credit score into consideration. For example, Champion Firearms is based in a town that predominantly consists of college students (College Station). Students that are turned down for financing often report having multiple, high limit credit cards that are paid off on time. Despite not having a job, they also report having good credit without debt. But, because they’re in school, their primary reported source of income is student loans, grants, scholarships or mom and dad. Our interpretation has been that American General (our finance company) uses Equifax and your credit score to determine approval or denial, and the level of credit you will qualify to receive. As a general rule of thumb, we rarely see anyone get approved without a job or a solid working (job) credit history. If you do not have a job, good credit or a working credit history, one solution has been to have a parent or guardian co- sign on the financing application.

Have a Job

In the entire time Champion Firearms has offered financing, we have only had three (that’s right- 3) applicants to ever get approved for financing that did not have a job. All three were former military personnel that were in the process of transitioning back to school, or into civilian life. They did however, have a good working credit history, were on the G.I. bill and/ or had savings. The general rule of thumb here is to exceed the debt-to-income ratio by at least +$1,000 per month.