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View Full Version : Is there any way I can get my first rifle without using the credit card?


greent
06-24-2011, 12:08 AM
I need my shtf rifle now! I'm scared that governmental collapse will set in or that Obama is going to take away 'assault weapons' from us. What do I do? Credit card is not an option unless I can get a smoken apr. Is there any place that will offer me a loan or take monthly payments with minimal apr so I can get my AR-15 now!?

nrakid88
06-24-2011, 12:10 AM
Just save. Apocolypse isn't coming anytime soon. Even if it did, you would likely be screwed with very little practice or familiarity with the gun. And on top of that you would have no ammo, since your paying for the gun still.


All good things come with time. Credit Cards are a sham.

pyro3k2
06-24-2011, 12:10 AM
most places do lay-a-way (or how ever it's spelled) but you will NOT get your rifle until it's completely paid off and then the 10 day waiting period. Either way it's going to be some time, so just be patient and think this one all the way through.

nrakid88
06-24-2011, 12:11 AM
Go down to big5, by a Mosin Nagant.

150grain Soft Points from that beast, in center mass of any north american animal, well a grizzly may require 180 grain, will be a fatal wound.

And its cheap enough, along with surplus ammo, that you can become proficient with it on a budget.

bjl333
06-24-2011, 12:15 AM
Get a lower first!! Thats the registered part right there. Then buy what you can when you can ... Good Luck!

chead
06-24-2011, 12:16 AM
If you are in a big rush to get a gun, you probably shouldn't buy one. That may not be a popular opinion, but there you go.

r6raff
06-24-2011, 12:17 AM
Save up for it like a normal, responsible adult. **** is not going to hit the fan tomorrow, Obama isn't taking our guns away tomorrow, just like he didn't back when he got in to office. If anything was to be passed, re-enforced or whatever, it will likely be known to us many months before it went in to effect. Not sure what you are looking for with this post? Perhaps some people to reinforce your will to impulse buy based on unrealistic fears...

Either way, I imagine your are an adult who can make decisions for yourself right? So either buy it, or wait. Unless you buy in to all that hardcore conservative fear mongering that is and has always been going on, those nuts have been saying government collapse or socialist militaristic seizement of civilians weapons for years and last I check that has not happened, and by my observations, the opposite is occurring.

Ultimately, by it because you want to or because you are ready, not based on some fantasy. If you can't make the decision to buy a weapon rationally on your own, maybe ownership isnt for you.

Sorry for the harshness, I had a long day and I think you should just man up and buy the weapon, don't need an excuse...

But Financially, I don't condone buying stuff you can't afford to pay with cash. Thats just me though

nrakid88
06-24-2011, 12:18 AM
If you are in a big rush to get a gun, you probably shouldn't buy one. That may not be a popular opinion, but there you go.

plus one.

You will end up getting something cheap and not well thought out that you will lose money on to sale for what you really want later.

r6raff
06-24-2011, 12:24 AM
I need my shtf rifle now! I'm scared that governmental collapse will set in or that Obama is going to take away 'assault weapons' from us. What do I do? Credit card is not an option unless I can get a smoken apr. Is there any place that will offer me a loan or take monthly payments with minimal apr so I can get my AR-15 now!?

Piece by piece buddy, if you are really worried about the AWB then just get your lower now for $99-120, regardless of what happens, uppers and the like will/should always be available for purchase, it will be the lowers that would be gone.

Like I said though, you got time man, don't rush into something because you think the sky is falling, you'll end up making mistakes

louscamaro91
06-24-2011, 12:27 AM
Take your time!!!

I bought a dozen lowers about 3 years ago, I'm just now getting around to build them. My goal is not to have more than $500-600 per AR not including optics. So far so good. My cheapest AR is a RRA M4 that my net total is $450...
Thank you Calguns!

23 Blast
06-24-2011, 12:35 AM
I paid for my M1A via layaway plan some years ago when I was poor. Took me about 3 months to pay off, but the wait was worth it. I love that rifle.

Seeker
06-24-2011, 2:31 AM
Like someone above said, buy a lower reciever(or two) and start buying parts for it little by little.

j.primo
06-24-2011, 2:42 AM
Save up your money, then get what you really want. Don't worry about it, you'll have your AK in no time... ;)

adrenaline
06-24-2011, 3:12 AM
Like what some said, get the lower first. That is how I did my build.

http://farm6.static.flickr.com/5030/5859067752_33bc342a15.jpg
I spent a little more for my lower. You can go cheaper. ;)

The other components are minor. I could have saved up and gotten a kickass upper, but for father's day...the wife approved a cheaper (not necessarily bad quality...will be taking it to shoot today and Sunday) upper half.

Now, initially I thought this will be my only build....but now that I have a rifle....I can get the ideal upper later on down the line, slap it on my existing lower (upgrade the LPK probably)...use the current upper and LPK to match it with a cheap lower and voila....ideal rifle....beater rifle. :eek: ARs are like gremlins when you throw water on them. ;)

chead
06-24-2011, 3:27 AM
Save up your money, then get what you really want. Don't worry about it, you'll have your AK in no time... ;)

This right here is the right attitude ;)

MrPlink
06-24-2011, 3:27 AM
Contrary to popular belief, marksmanship is not a skill you are born with. So even if SHTF tomoro and you had a rifle already, what good would it do?

chead
06-24-2011, 3:34 AM
Contrary to popular belief, marksmanship is not a skill you are born with. So even if SHTF tomoro and you had a rifle already, what good would it do?

Also a legitimately good point. Frankly I feel it's usually more dangerous to have a firearm you don't know how to use properly than none at all.

Some Guy
06-24-2011, 6:01 AM
Grab a 22 rifle and a stripped lower, you can learn to shoot for cheap while buying parts for the AR.

greasemonkey
06-24-2011, 6:13 AM
No reason to freak out, calm down a bit. Don't use a credit card, pay cash. One more sign of responsibility, one less paper trail, some bargaining power and a big sense of accomplishment. I love that the receipt for my wife's wedding ring says 'Paid in full - cash' on it, your firearms purchases should be the same (and if you're using a debit card, go pull the cash out of the bank).

If you're broke, don't start out with a high end rifle, you can get a pump shotgun, an AK and a Mosin-Nagant for less than some people blow on a basic AR (that's where shopping and patience come in with piecing an AR together).

The following stood out to me as exceptionally good advice.

Just save. Apocolypse isn't coming anytime soon. Even if it did, you would likely be screwed with very little practice or familiarity with the gun. And on top of that you would have no ammo, since your paying for the gun still.


All good things come with time. Credit Cards are a sham.

Go down to big5, by a Mosin Nagant.

150grain Soft Points from that beast, in center mass of any north american animal, well a grizzly may require 180 grain, will be a fatal wound.

And its cheap enough, along with surplus ammo, that you can become proficient with it on a budget.

If you are in a big rush to get a gun, you probably shouldn't buy one. That may not be a popular opinion, but there you go.

Save up for it like a normal, responsible adult. **** is not going to hit the fan tomorrow, Obama isn't taking our guns away tomorrow, just like he didn't back when he got in to office. If anything was to be passed, re-enforced or whatever, it will likely be known to us many months before it went in to effect. Not sure what you are looking for with this post? Perhaps some people to reinforce your will to impulse buy based on unrealistic fears...

Either way, I imagine your are an adult who can make decisions for yourself right? So either buy it, or wait. Unless you buy in to all that hardcore conservative fear mongering that is and has always been going on, those nuts have been saying government collapse or socialist militaristic seizement of civilians weapons for years and last I check that has not happened, and by my observations, the opposite is occurring.

Ultimately, by it because you want to or because you are ready, not based on some fantasy. If you can't make the decision to buy a weapon rationally on your own, maybe ownership isnt for you.

Sorry for the harshness, I had a long day and I think you should just man up and buy the weapon, don't need an excuse...

But Financially, I don't condone buying stuff you can't afford to pay with cash. Thats just me though

Take your time!!!

I bought a dozen lowers about 3 years ago, I'm just now getting around to build them. My goal is not to have more than $500-600 per AR not including optics. So far so good. My cheapest AR is a RRA M4 that my net total is $450...
Thank you Calguns!

Contrary to popular belief, marksmanship is not a skill you are born with. So even if SHTF tomoro and you had a rifle already, what good would it do?

Don29palms
06-24-2011, 6:40 AM
Just heard on the news this morning. BREAKING NEWS! The sky is falling!

Lc17smp
06-24-2011, 7:09 AM
Too late bro. Looks like your stuck with plan B.....103714
Hope your fast.

Sniper3142
06-24-2011, 7:14 AM
If you are in a big rush to get a gun, you probably shouldn't buy one. That may not be a popular opinion, but there you go.

^ Plus Two

bwiese
06-24-2011, 7:32 AM
There will be NO federal AW legislation coming up.

xXRifleManXx
06-24-2011, 7:49 AM
As for whats better, its been said a million times.... its what works for you and is best in your inviroment.
get a .22 for fun and to learn to shoot riflemen with open sights(this really is the main thing that matters if you cant hit your target you just made yourself one).\
Get a bolt action in .308/30-06 for hunting and to reach out and touch someone at 600 yards( sorry .223 you weak and are not going to do it).
And get a battle rifle for action inside of 250 yards, this is where a .223 shines though i would still take my FAL or M1A anyday.

you shoot to learn
you shoot for food
you shoot for freedom
you shoot for fun

find one thats right for you and someone else can depend on your skills when the time comes, thats your duty to your community no one stands alone

Bhobbs
06-24-2011, 7:52 AM
You can use cash to buy a firearm.

Or buy the lower receiver only and then build it up over time.

redcliff
06-24-2011, 8:42 AM
Or you can buy your life jacket first, then get a lower and build your rifle over time.

http://i287.photobucket.com/albums/ll137/ranjaz/life_jackets.jpg

Don29palms
06-24-2011, 8:47 AM
You can use cash to buy a firearm.

Or buy the lower receiver only and then build it up over time.

Buisnesses still take cash? Who would have thunk it?

You're right though that is probably the best option.

jcaoloveshine
06-24-2011, 9:00 AM
buying guns on loan is a bad idea

actually, buying anything beyond your means is a bad idea, don't do it as a matter of principle

unless of course we're talking about big $ necessities, like a house or a car. otherwise, get what you can afford. if you know anything about credit card interest rates and how screwed you are if you miss just ONE payment, it should be enough to deter you for the rest of your life from buying things on a whim and thinking about the financing later.

Maddog5150
06-24-2011, 9:36 AM
Too late bro. Looks like your stuck with plan B.....103714
Hope your fast.

Rule #1: Cardio

greasemonkey
06-24-2011, 9:58 AM
Oh come on, all it does is destroy your credit and cost a crapload of money to pay interest...what could possibly go wrong?

buying guns on loan is a bad idea

actually, buying anything beyond your means is a bad idea, don't do it as a matter of principle

unless of course we're talking about big $ necessities, like a house or a car. otherwise, get what you can afford. if you know anything about credit card interest rates and how screwed you are if you miss just ONE payment, it should be enough to deter you for the rest of your life from buying things on a whim and thinking about the financing later.

I have put a deposit down on a limited availability firearm I wanted and went back a couple weeks later to pay the rest in cash and start the DROS, partially so I could put an additional item on the same DROS. That particular shop had no problem storing it there and didn't want any interest(made enough off of the sale). Though my reason for delay wasn't lack of funds, it was more of a deposit and waiting to figure another item out so I could run more than one through on a single DROS.

CK_32
06-24-2011, 10:00 AM
Im still thinking this is another half as*ed attempt to get fans from another secrete SHTF thread.......

Either that or seems like someone just broke up with their gf and is a little mad...

Either way its fishy

r3dn3ck
06-24-2011, 10:01 AM
*nosepinch*

john.t.singh
06-24-2011, 10:02 AM
Go down to big5, by a Mosin Nagant.

150grain Soft Points from that beast, in center mass of any north american animal, well a grizzly may require 180 grain, will be a fatal wound.

And its cheap enough, along with surplus ammo, that you can become proficient with it on a budget.

this is win

CK_32
06-24-2011, 10:02 AM
Or you can buy your life jacket first, then get a lower and build your rifle over time.

http://i287.photobucket.com/albums/ll137/ranjaz/life_jackets.jpg

http://memearchive.net/memerial.net/page/581.jpg

This ones still my favorite! :D

Looks like he upgraded and got gardening gloves to boot hahahaha :rofl2:

Maddog5150
06-24-2011, 10:07 AM
Hmmmm. How pure is your soul? Do you go to church? I may be interested in an exchange and I feel it would be benificial to have a soul on hand that isnt mine in order to use for negotiation purposes....

ElvenSoul
06-24-2011, 10:10 AM
Check out HiPoint Carbines...that should not break the bank...

missiontrails
06-24-2011, 10:25 AM
If you are in a big rush to get a gun, you probably shouldn't buy one. That may not be a popular opinion, but there you go.

+1

LOL

killshot44
06-24-2011, 10:28 AM
Stop feeding the trolls.

All of you with "serious" replies? Need a trip to the Clue store.

Maddog5150
06-24-2011, 10:46 AM
Stop feeding the trolls.

All of you with "serious" replies? Need a trip to the Clue store.

+1
I posted an obvious troll pic in the last one but it got deleted by the mods :(

Arisaka
06-24-2011, 11:01 AM
Got $20? Buy an AK flat. Bend it. Ta Da! You have your reciever. Save up $300. Buy an AK kit. That's how you do it man! Save up while you are fighting alligators trying to get that receiver ready to go.

tomd1584
06-24-2011, 11:13 AM
Take your trolling somewhere else....

762.DEFENSE
06-24-2011, 11:54 AM
Buds does layaway plans with GE money, if you pay it off in # of months you don't have any interest or penalties. :thumbsup:

762.DEFENSE
06-24-2011, 11:55 AM
Or you can buy your life jacket first, then get a lower and build your rifle over time.

http://i287.photobucket.com/albums/ll137/ranjaz/life_jackets.jpg

Still makes me lmao! :rofl:

blazeaglory
06-24-2011, 12:17 PM
serious!!! i cant believe you people are always falling for this...Lol

cant you tell a real thread from a fake one?

evidens83
06-24-2011, 12:25 PM
serious!!! i cant believe you people are always falling for this...Lol

cant you tell a real thread from a fake one?

qft

CK_32
06-24-2011, 12:40 PM
qft

lol TOLD! :smilielol5:

blazeaglory
06-24-2011, 12:54 PM
dont know what that means ...ARARARARAR

dont feel bad because you feel for a troll thread

Spearo
06-24-2011, 1:09 PM
1 : Look out your window

2 : See the nearest street corner?

3 : Head to it

4 : ???

5 : Profit

The Virus
06-24-2011, 2:54 PM
LMAO.....

chead
06-24-2011, 3:15 PM
It's completely possible and maybe likely that the OP is just a moron rather than a troll.

Sniper3142
06-24-2011, 3:39 PM
It's completely possible and maybe likely that the OP is just a moron rather than a troll.

I vote for BOTH!! ;)

newbee1111
06-24-2011, 3:41 PM
You do know that by posting here the NSA has already gotten your IP address and identity. Hell they even know exactly where you are right now if you have a cell phone, ATM card, credit card, library card, supermarket discount card or a dental filling. Your best bet is to strip naked, wrap your head in tin foil (not that aluminum crap, the good stuff) and then go hide out in the woods before they send you to a FEMA re-education camp.

stix213
06-24-2011, 3:42 PM
If you send me $20 a month, I swear I'll let you play commando with one of my AR's when the SHTF :p

For an extra $10 per month I'll throw in the multicam plate carrier :D

themailman
06-24-2011, 4:01 PM
If this is for real, then CGN has gone to s**t-----htf.

seronian
06-24-2011, 5:07 PM
Just save don't get one because of price you get whAt you pay for. So save for something good coz you will be getting more than one. Or sell the wife's car J/K

CK_32
06-24-2011, 5:17 PM
dont know what that means ...ARARARARAR

dont feel bad because you feel for a troll thread

Are you 12.....?

:ban:

r6raff
06-24-2011, 5:29 PM
dont know what that means ...ARARARARAR

dont feel bad because you feel for a troll thread

Officially it means "quoted for truth" as in agreement... but at some point people went the opposite direction and started using it for "quit fu^*ing talking" honestly half the time I don't know which one the poster is referring to lol.

blazeaglory
06-24-2011, 7:45 PM
You do know that by posting here the NSA has already gotten your IP address and identity. Hell they even know exactly where you are right now if you have a cell phone, ATM card, credit card, library card, supermarket discount card or a dental filling. Your best bet is to strip naked, wrap your head in tin foil (not that aluminum crap, the good stuff) and then go hide out in the woods before they send you to a FEMA re-education camp.

nope, aint got none of that..Lol but the naked part in the woods might work

blazeaglory
06-24-2011, 7:46 PM
Officially it means "quoted for truth" as in agreement... but at some point people went the opposite direction and started using it for "quit fu^*ing talking" honestly half the time I don't know which one the poster is referring to lol.

yeah me neither...

it must be some cool guy code talk for "look what i can do, look what i can do"

DRM6000
06-24-2011, 10:46 PM
what? you don't have an ar15 yet? too bad, you're gonna be some zombies girlfriend in the post-apocalyptic world. good luck.

Maddog5150
06-25-2011, 7:56 AM
what? you don't have an ar15 yet? too bad, you're gonna be some zombies girlfriend in the post-apocalyptic world. good luck.

Yup. OP, you are what we call a BCI or "Bait Class Indivual". Luckily for you, you wont be alone. I will however enjoy tethering you to a clothes line and have plenty of lulz as you run in circles attracting zombies but its ok, I'm a pretty decent shot. I am ALMOST up to storm trooper quality on that ;)