PLEASE READ COMPLETELY - THIS WILL ANSWER MOST OF YOUR QUESTIONS

Zero Interest Loans offered by Family Firearms and LOCK-N-LOAD... funded by Tower Loan Co.

Family Firearms in Troy, AL and LOCK-N-LOAD in Enterprise, AL are offering 12 months interest free* financing via Tower Loan Company (24 months interest free when advertised) as well as 90 days same as cash. We do not offer any layaway options at this time.

You must be an Alabama resident and be able to visit one of our stores to sign the contract. We cannot mail the contract... you must visit our store. The contracts can only be signed in one of our stores at this time. All approvals are subject to qualification via Tower Loan Co. Proper identification will be required and Tower Loan may also require proof of income. Family Firearms does not approve or decline your application. We usually get an immediate response from Tower Loan upon submission of the application during normal business hours.

12 or 24 month interest free financing is for sales tickets/receipts totaling $400.00 or more. This is for new items only (no used firearms) and can include tax, multiple firearms, ammo, optics and any other accessories in the store that you would like financed.

We also offer 90 days same as cash for tickets (including less than $400) funded by Tower Loan Co.

Complete the following application and submit it.  DO NOT worry about printing it out or signing it at this time... simply fill it out completely... don't skip anything, when finished click on the Submit button.

Notify us at info AT ar14 DOT com that you have completed the app online.

Click here if you would like to apply online for shopping at Family Firearms in Troy, AL.
This requires signing the contract at our Troy, AL location.

Click here if you would like to apply online for shopping at LOCK-N-LOAD in Enterprise, AL.
This requires signing the contract at our Enterprise location.

Round up on the amount you need... example... you need $400.00... round it up to $1,000.  If you need $1,200... round it up to $2,000.  The contract will only be for the amount you actually need on the sales ticket.

IMPORTANT NOTICE ABOUT FILLING OUT THE APPLICATION: The more information you provide, the more likely you will be approved. Applications that are not complete are typically turned down, so there is really no need to submit the app when it is incomplete. Please complete all the fields. :o)  NOTICE: If you are applying individually, but your spouse works, be sure to include your spouses income in Other Income. This will help with your debt to income ratio and could be the difference in getting your request approved.


*How interest free financing works. In order to qualify for interest free financing, the purchase ticket must be at least $400.00 for new items only (no used firearms) and can include tax, multiple firearms, ammo, optics and any other accessories in the store that you would like financed. VERY IMPORTANT: As long as you pay the minimum monthly payment on time and pay off the loan within 12 months (or 24 months respectively based on the plan you use), you are refunded any interest you have paid on the loan. YOU MUST MAKE A MINIMUM MONTHLY PAYMENT EACH CALENDAR MONTH EVEN IF YOU PAY AHEAD!!! If you are over 30 days late with any payment, you forfeit the interest free provision of the loan. Hint: pay on time!


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