No. The firearms that we finance have to be shipped by us from one of our wholesalers. This is a restriction imposed by our banks. But, given our wholesaler network, we should be able to find you any readily available firearm.
We cannot finance used firearms on auction sites.
We cannot finance Class III or NFA items.
Two factors prevent us from publishing accurate prices on our website.

  • First, the firearms industry is volatile, and supply and demand have a great impact on our wholesale prices.
  • Secondly, we work with multiple banks that each offer different promotion plans. Until we know which bank qualifies you and which program you choose, we cannot quote payments.
Yes! All transactions are fully legal and regulated by federal law. GunFinancing.com arranges for the firearm to be shipped to a Federal Firearms License (FFL) holder. This local FFL dealer will complete all required background checks before releasing the firearm.
Firearms and other items cannot be returned to GunFinancing.com, all sales are final. Manufacturers should be contacted directly if there are any problems with the firearm.
Federal regulations are in play, and other regulations vary state-to-state. It is STRONGLY recommended that you contact your local FFL before making any application through GunFinancing.com. Your local FFL is your best resource on what limitations on ownership are in place in your state.
No. Federal Law requires that all firearms be shipped to a FFL where a background check will be done before transfer.
Most cities have at least one if not more local gun shop. If you can’t find any, try this webpage to search by zipcode.
The Gun Control Act of 1968 prohibits certain people from possessing a firearm. The possession of any firearm by one of these “prohibited persons” is a felony offense. It is also a felony for any person, including a registered Federal Firearms Licensee to sell or otherwise transfer any firearm to a person knowing or having “reasonable cause” to believe that the person receiving the firearm is prohibited from firearm possession. There are nine categories of persons prohibited from possessing firearms under the Gun Control Act:

  • Persons under indictment for, or convicted of, any crime punishable by imprisonment for a term exceeding on year;
  • Fugitives from justice;
  • Persons who are unlawful users of, or addicted to, any controlled substance;
  • Persons who have been declared by a court as mental defectives or have been committed to a mental institution;
  • Illegal aliens, or aliens who were admitted to the United States under a nonimmigrant visa;
  • Persons who have been dishonorably discharged from the Armed Forces;
  • Persons who have renounced their United States citizenship;
  • Persons subject to certain types of restraining orders; and
  • Persons who have been convicted of a misdemeanor crime of domestic violence.

With limited exceptions, persons under eighteen years of age are prohibited from possessing handguns.

Under the Brady Handgun Violence Prevention Act (Brady Act), Federal Firearms Licensees (FFLs) must contact the National Instant Criminal Background Check System (NICS) prior to the transfer of a firearm to an unlicensed individual in order to receive information on whether the individual is disqualified by federal or state law from possessing a firearm. FFLs will contact the NICS via either a point of contact (POC) established within their respective state, or the NICS Operation Center, Federal Bureau of Investigation (FBI) dependent on whether the state has POC for the NICS. The background check will be conducted to ascertain if the person attempting to obtain a firearm falls within any of the prohibited categories as outlined in Section 922(g) or (n) of Title 18, United States Code. This only takes a few minutes.
Again, your local FFL is your best resource to answer this question. A gun store will typically charge about $25 for the background check paperwork. In addition, there may be local or state taxes as with any purchase.”
Have a question you don’t see answered here? Please contact us.