kingnewport Posted July 11, 2012 Report Share Posted July 11, 2012 are there any companys that does this?ive just got my ticket for my 223 but carnt afford a gun out right :-( cheers all Quote Link to comment Share on other sites More sharing options...
Guest newarcher1 Posted July 11, 2012 Report Share Posted July 11, 2012 hi try avalon guns they do finance i have not used them myself Quote Link to comment Share on other sites More sharing options...
BangBangNik Posted July 11, 2012 Report Share Posted July 11, 2012 What about a credit card?? Tesco are doing one that's interest free on purchases for 16 months. All you need to do is pay at least the minimum payment. I bought mine and transfer'd the balance to a barcleycard with 0% on balence transfers for 24 months. I worked out how much I would need to pay each month to clear it before the end of the interest free term and set up a direct debit. Job done. Credit cards can be really good if you use them correctly and be strict with your self. Quote Link to comment Share on other sites More sharing options...
Rupert Posted July 11, 2012 Report Share Posted July 11, 2012 (edited) Get an interest free credit card and shop anywhere,tesco are doing 16mths at the moment,im eyeing a perazzi trap gun using this method God dam too slow again :-) Edited July 11, 2012 by Rupert Quote Link to comment Share on other sites More sharing options...
HDAV Posted July 11, 2012 Report Share Posted July 11, 2012 Lloyds also iirc much cheaper than finance sportsman do offer finance I think, but would it not be better to save up? Quote Link to comment Share on other sites More sharing options...
njc110381 Posted July 11, 2012 Report Share Posted July 11, 2012 You don't have to spend a fortune on a new gun. I try to avoid credit these days, although if you can be strict on an interest free deal then I guess it's not so bad. The card idea sounds best as long as you get it paid off asap. Quote Link to comment Share on other sites More sharing options...
kingnewport Posted July 11, 2012 Author Report Share Posted July 11, 2012 when we bort the tv on a credit card we said , arr its ok we'll pay if of within a year, how wrong i was lol Quote Link to comment Share on other sites More sharing options...
huffhuff Posted July 11, 2012 Report Share Posted July 11, 2012 I thought the same. 24 grand and 6 years later... I'm free! Don't do plastic. Save your pennies and buy it when you can afford it. No matter how much you say you'll pay it off quick, you won't. Something else will come up - it always does. Car breaks, boiler goes bang... First thing you is drop back down to minimum payment, or worse... Quote Link to comment Share on other sites More sharing options...
EdSolomons Posted July 11, 2012 Report Share Posted July 11, 2012 A gun is not worth being in debt for Quote Link to comment Share on other sites More sharing options...
storme37 Posted July 11, 2012 Report Share Posted July 11, 2012 A gun is not worth being in debt for oh i dont know theres worse thing i could be in dept for Quote Link to comment Share on other sites More sharing options...
kent Posted July 12, 2012 Report Share Posted July 12, 2012 i would happily borrow millions on a worthwhile thing finantially but no way a gun Quote Link to comment Share on other sites More sharing options...
joecash Posted July 12, 2012 Report Share Posted July 12, 2012 If credit is used to buy a gun, the question of affordability of it's use etc raises its ugly head. Quote Link to comment Share on other sites More sharing options...
scotty38 Posted July 12, 2012 Report Share Posted July 12, 2012 If credit is used to buy a gun, the question of affordability of it's use etc raises its ugly head. Not sure I completely agree with that. If you can afford to pay off, say, £100 a month on a credit card versus saving £100 a month and buying outright the only difference with the former method is you get the gun sooner. Taking it to a logical extreme should I have saved up for my house? If you can't afford to save £x per month then I'm clearly not suggesting you take on £x per month on finance...... Quote Link to comment Share on other sites More sharing options...
hawkfanz Posted July 12, 2012 Report Share Posted July 12, 2012 are there any companys that does this?ive just got my ticket for my 223 but carnt afford a gun out right :-( cheers all one of my local gunshops have a scheme wereby you pay in money whatever amount you can afford an then when you have enough in you get the gun,that way it will encourage you pay quicker an no hp charges.good luck Quote Link to comment Share on other sites More sharing options...
huffhuff Posted July 12, 2012 Report Share Posted July 12, 2012 Not sure I completely agree with that. If you can afford to pay off, say, £100 a month on a credit card versus saving £100 a month and buying outright the only difference with the former method is you get the gun sooner. Taking it to a logical extreme should I have saved up for my house? If you can't afford to save £x per month then I'm clearly not suggesting you take on £x per month on finance...... Doesn't everybody pay cash outright for their house? I see what you're saying. But more often then not (for me anyway), something else always "came up" and i'm sure i'm not the only one. If you can manage your finances, then take advantage of the whole 0% interest thing by all means. But if your thinking get a credit card to buy a gun, then to me that says you don't have the disposable income. Therefore, the chances of you not paying it off would be less... the interest will compound and before you know it, the £800 Tikka 3 has cost you a hell of a lot more. Just worth noting, that you may get 18 months interest free... but that is assuming you pay at least the minimum each month. One or two missed payment and you'll default to a crazy 16.9% rate plus whatever charges you accrue for missing payment. Again, I am basing this on personal experience and i'm sure everybody else can manage their finances perfectly fine. Just airing my view so maybe others don't fall into the same trap. Quote Link to comment Share on other sites More sharing options...
scotty38 Posted July 12, 2012 Report Share Posted July 12, 2012 Doesn't everybody pay cash outright for their house? I see what you're saying. But more often then not (for me anyway), something else always "came up" and i'm sure i'm not the only one. If you can manage your finances, then take advantage of the whole 0% interest thing by all means. But if your thinking get a credit card to buy a gun, then to me that says you don't have the disposable income. Therefore, the chances of you not paying it off would be less... the interest will compound and before you know it, the £800 Tikka 3 has cost you a hell of a lot more. Just worth noting, that you may get 18 months interest free... but that is assuming you pay at least the minimum each month. One or two missed payment and you'll default to a crazy 16.9% rate plus whatever charges you accrue for missing payment. Again, I am basing this on personal experience and i'm sure everybody else can manage their finances perfectly fine. Just airing my view so maybe others don't fall into the same trap. Exactly, and that's why I said I didn't completely agree with the previous comment. If you can manage your finances and you can afford the finance then "having" finance doesn't necessarily mean you can't afford it. Quote Link to comment Share on other sites More sharing options...
kent Posted July 13, 2012 Report Share Posted July 13, 2012 I find this thread interesting seeing as we are facing the biggest crash in our history worldwide due to over borrowing and over lending. Credit in itself isn't bad, bad credit is bad for our homes, our transportantion and in many cases our jobs we must borrow (all those are essentials) New guns are not an essential unless they are required to actually earn a living. The biggest issue is if you have more on finance the more you have to bring in each month before break even so it actually limits your surplus and chance of gaining a stronger finatial footing in the future. It must also not be forgotten that if the worst happens there is a lot more of the proverbial hitting the fan Quote Link to comment Share on other sites More sharing options...
chrispti Posted July 13, 2012 Report Share Posted July 13, 2012 hi try avalon guns they do finance i have not used them myself At 22.9% apr :blink: stay well away !!!! Quote Link to comment Share on other sites More sharing options...
Canis Posted July 13, 2012 Report Share Posted July 13, 2012 Op as before mentioned consider an unsecured loan or a credit card 0% deal rather than buying a gun on finance - buying anything on finance supplied by the vendor will generally be at a far higher APR and with a loan from elsewhere you are effectively a cash buyer and can haggle the vendor on price. Be aware of what the true cost of the loan is and make sure that you can afford it. Quote Link to comment Share on other sites More sharing options...
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