Impact Guns offers two ways to finance a firearm purchase: Credova, a buy-now-pay-later platform built specifically for firearms and other regulated goods, and our own 60-day Layaway Plan. We don't currently support general-retail buy-now-pay-later apps like Sezzle, Affirm, or Klarna — most of those platforms exclude firearms entirely — but Credova is built for exactly this kind of purchase. (Sezzle support is coming soon; check back for updates.)
Read our full Financing & Layaway Guide ↓
What is Credova and how does it work?
Credova is a buy-now-pay-later financing platform for firearms, ammunition, and outdoor gear. You apply online at checkout, get a financing decision, and pay off your purchase over time in monthly installments instead of paying the full amount upfront.
Does Impact Guns accept Sezzle, Affirm, or Klarna?
Not yet — Sezzle support is coming soon. Today, Credova is our supported financing option for firearms purchases.
What is 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.
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 I don't pay off my 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.
Ready to See If You Prequalify?