Our EasyPay Layaway Program is a payment plan based on your income and spending habits, not your credit score. There are NO CREDIT CHECKS, but verification of your ability to pay is done when you apply. Typical terms range from 6-12 months, with a 90-day No Interest plan available. The maximum amount you can finance is $3500. Our EasyPay Layaway Program is for IN-STORE PURCHASES ONLY at our retail gun store in Maryland. It does NOT apply to website or online purchases.
The ARC90 plan is adminstered by GlobalCheck. They were founded in 1994 to facilitate a short term payment plan for those who have the ability to pay but want to avoid high interest credit cards, personal loans, or leases. This program costs you FAR LESS than any credit card. It is not a lease or rent-to-own. You own what you buy, which is the way it should be.
The entire application process is normally completed within a few hours, so you’ll know your spending limit quickly. The application consists of basic identifying information. Your bank will provide recent activity, including payroll direct deposit information – no need to upload pay stubs or bank statements. Payments are collected by ACH (direct debit) so you don’t have to remember to make a payment. Prior to each payment, you will receive an email notification that a payment is coming due.
Down payments can range from 10-25%, depending on the term you choose (the longer the term, the higher the initial payment). There are NO PRE-PAYMENT PENALTIES – you can pay it off any time you want. There is no application fee, and you must earn at least minimum wage. The deciding factor is not how much money you make, but how you manage your money.