Impact Guns offers two ways to pay over time instead of paying the full amount upfront: Sezzle, our supported buy-now-pay-later option, and our own 60-day Layaway Plan. You can use Sezzle to buy firearms, ammunition, and outdoor gear today, and then pay your purchase off over time. Whichever option fits you, you'll know exactly what you owe and when before you commit.
Pay Over Time with Sezzle
Sezzle is a buy-now-pay-later platform that lets you split a purchase into smaller payments instead of paying the full amount upfront. Sezzle offers multiple ways to pay over time — shorter installment plans for smaller purchases and longer monthly payment plans for bigger-ticket items like firearms — with the specific options available to you shown at checkout based on your purchase amount and approval. Select Sezzle at checkout to see what you qualify for.
The Impact Guns Layaway Plan
Layaway is available on items $500 and over. Call 1-800-917-7137 (Mon-Fri, 10am-5pm Mountain time) to place a layaway order. We charge a 20% deposit of the total cost, then you have 60 days to pay the balance — either in installments or one final payment — with no additional charges if paid in full within that window.
Sezzle or Layaway: Which One Fits Your Purchase?
Sezzle works best if you want your item ordered and shipped now while you pay it off over time — you get the firearm in hand right away, subject to the usual FFL transfer process. Layaway works differently: you reserve the item with a deposit and it ships once it's paid off, which suits buyers who'd rather not carry an ongoing payment or who prefer not to take possession until it's fully paid for. Neither option requires paying the full price upfront; they differ mainly in when you actually receive the firearm.
Why Finance Instead of Paying Upfront?
Spreading a purchase over time can make it easier to budget for a firearm, especially around a specific need — a home-defense pistol, a hunting rifle ahead of a season, or completing a collection — without committing the full amount in one transaction. Both Sezzle and our Layaway Plan let you do that; which one to use comes down to whether you want the item now (Sezzle) or you're comfortable waiting until it's paid off (Layaway).
What Items Are Not Eligible for Layaway
Machine guns, suppressors, and AOWs (any other weapons) require a 100% deposit instead of standard layaway terms. Layaway terms also don't apply to sale prices, free shipping, or other promotions.
What Happens If You Don't Pay Off Layaway Within 60 Days
Orders not paid in full within 60 days are cancelled. Depending on the circumstances, an extension can sometimes be arranged for a $30/month storage fee. You may have one active layaway at a time — cancelling one for any reason incurs a 20% restocking fee of the total price, less any deposits already paid.
Frequently Asked Questions
Does Impact Guns still offer Credova financing? No. Impact Guns now offers Sezzle as our supported buy-now-pay-later financing option — Credova is no longer available for new purchases.
Do I need to apply for Sezzle in advance? No — select Sezzle as your payment method at checkout, and you'll see your available payment options and get a decision before you complete your order.
Can I use Sezzle and Layaway on the same order? No — they're separate payment methods for the same goal of spreading out a purchase, so you'll choose one or the other at checkout rather than combining them.
See Also: How to Order a Gun • Price Match Promise