3-Payment Plan
Own the firearm you want — split into three equal payments, zero interest, no credit check required.
Three Payments. Zero Interest.
Select the 3-Payment Plan at checkout and your firearm is secured immediately. Pay the balance over 60 days.
Payment 1 — At Checkout
Your first installment (1/3 of the total) is charged immediately. Your firearm is secured or ordered from our supplier on the spot — it’s yours from day one.
Payment 2 — Day 30
Your second installment (1/3 of the total) is due within 30 days of your order date. No interest. No finance charges. Just your balance.
Payment 3 — Day 60
Your final installment (1/3 of the total) is due within 60 days. Once it clears and your background check passes at transfer, your firearm is released to you.
What You Need to Know.
0% Interest
No interest. No finance charges. You pay only the firearm’s purchase price, split into thirds.
No Credit Check
No credit check is required to use the plan. A background check (NICS / ATF Form 4473) is required only at the time of transfer, as required by law.
Firearm Held by Us
The firearm remains Kinetic Armory property and stays in our possession until your final payment clears and transfer is complete.
Price Locked at Order
Your purchase price, taxes, and availability are locked the moment you place your order. Market price changes do not affect you.
Firearms Only
The 3-Payment Plan is available on firearms only, at Kinetic Armory’s discretion. It is not a loan or credit product.
Non-Transferable
Plans are non-transferable. The firearm may only be released to the purchaser of record after all required documentation is completed.
Terms & Conditions.
By selecting the 3-Payment Plan at checkout, you confirm you have read and agreed to these terms.
1. How the Plan Works
The purchase price is split into three equal payments. Payment 1 is due at checkout; Payment 2 within 30 days; Payment 3 within 60 days. Your firearm is secured or ordered immediately upon Payment 1. No firearm is transferred until all payments are complete and a NICS background check is passed. This is a layaway-style plan — not a loan or credit product.
2. Late Payments & Default
Payments are due on the dates shown in your plan schedule. If a scheduled payment is not received by its due date, Kinetic Armory will send notice. If the balance is not paid within 14 days of that notice, the plan is in default and may be cancelled. The firearm returns to inventory and may be resold immediately.
3. Cancellation by You
You may cancel at any time before final payment. Cancellations are treated the same as a default for refund purposes — because your firearm is ordered and reserved immediately upon your first payment.
4. Refunds & Cancellation Fee
A 25% cancellation fee applies to the total purchase price on all cancelled or defaulted plans. This covers inbound shipping, handling, and restocking. Remaining amounts paid are refunded as Kinetic Armory store credit (no cash value, non-transferable). If amounts paid do not exceed the cancellation fee, no refund is due. Example: On a $1,500 firearm, the fee is $375. Paying one installment ($500) yields $125 in store credit. Paying two ($1,000) yields $625.
5. Additional Terms
The plan is available on firearms only and may be modified, suspended, or discontinued at any time; plans in progress are honored under the terms in effect at time of order. Prices and taxes are locked at order. Plans are non-transferable. Governed by the laws of the State of Oklahoma. All transactions are subject to applicable federal, state, and local law.
Ready to Get Your Firearm?
Browse the catalog and select the 3-Payment Plan at checkout. Questions? Our team is here to help.