Financing and Layaway Options


Arc90 - No Credit Check Financing Program

The ARC 90 Payment Plan for gun financing. The program is not based on a credit check. You must have proof of income and a stable checking account with consistent balances. You must also have a valid State Drivers License or ID. (Misdemeanors or other criminal offenses disqualify you from this program. All purchases still require a FBI NICS background prior to release of the firearm (to be performed in house or at your local FFL) 

With little down (20-25%), you can finance your firearms and accessories. Take up to 12 months to pay. Easy approval! Program is not credit check or FICO score based.

Click "Pre-Qualify" button below. Proof of income, bank account verification, plus a copy of your Drivers License / I.D. required.

  • 90 Days SAME AS CASH!
  • Rates at 9%(3-6 months),12%(9 months), 15%(12months) SIMPLE INTEREST!
  • Choose a plan with 3 to 12 months to pay
  • Payments are collected via ACH debit
  • No surprises, get your payment schedule up front
  • Credit report is not pulled
  • Buy today - pay later

ARC 90 is a payment plan that gives you the product today and up to twelve months to pay. If paid in full within first 90 days NO INTEREST IS COLLECTED! 90 Days SAME AS CASH!

ARC90 terms can be lower than credit cards or personal loans at 9% - 15%. Not a rent to own or a lease. This is a purchase program.
Credit rating is not part of the decision process. Determined by financial-banking-income history.

To get started, pre-qualify below. Applying is how we determine the plan limit. An examination of income, spending habits, and prior banking history are used to calculate a manageable amount. All financial review is done by Arc90, Iron Sights Weaponry does not have access to your financial submissions. 

Your driver license acts as your account ID.

Payments are collected via ACH debit.

No surprises. You receive the schedule upfront and e-mail notices prior to each payment.

You can track your billing and balance any time. If paid off early you'll save even more!

COST: ARC90 charges $35.00 administration fee. Interest is FIXED and SIMPLE. Click below to qualify!

Upon approval, once the agreement is signed and the down payment is collected via ACH, your firearm(s) and any other items financed will be released for pick-up or shipment. Typically takes 24 hours. 


*Iron Sights Weaponry reserves the right to refuse any G or V code approvals provided by Arc90. These types of approvals are not funded up front by Arc90 and will be treated as Layaway. If a G or V code approval is received, you will be notified and recommended to use the Layaway program or other form of payment. V code approvals will be denied by Iron Sights Weaponry. 


We offer layaway for those customers that do not wish to use financing. Our Layaway program is for up to 90 Days. Absolutely no fees or interest is collected. A 20% non-refundable deposit is required during checkout to place the item or items on Layaway. Once the full amount is received, the item(s) will be released for pick-up or shipment within 2 business days.

If this option is selected, you will receive an email with the agreement. You will be required to print this agreement, sign/initial and return for your item to be pulled. 

If you cancel the Layaway, a 20% restocking fee will be deducted from the amount paid to date. The remaining balance will be issued to you in the form of a store credit. 

Although we recommend regular payments, they are not required. During the 90 day contract period, you may make several smaller payments or one final payment at the end of the 90 days. If full payment is not received by the 90 day contract date, we will email you requesting payment in full after which you will have 24 hours to pay the account off, or the item will be put back in inventory, and all monies paid (minus 20% deposit) will be issued to you as a store credit. 

If you account goes into default for non-payment, you will not be allowed to utilize layaway any longer. Nor will the Arc90 Financing program be available for use.