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PLEASE READ COMPLETELY - THIS WILL ANSWER MOST OF YOUR QUESTIONS

No Interest Loan Application offered by Family Firearms and LOCK-N-LOAD and funded by Tower Loan Co.

Family Firearms/LOCK-N-LOAD is offering 12 month interest free* financing via Towers Loans (24 month interest free from 10/1/2019 to 12/31/2019)

You must be an Alabama resident and visit our store to sign the contract. We are not able to mail contracts to you. They can only be signed in the store. 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 generally get an immediate response from Tower Loan upon submission of the application.

12 or 24 month interest free financing is for sales tickets/receipts totalling $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 under $400 thru 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 334-770-7500 (Family Firearms finance and accounting department) that you have completed the app online.

Click here if you would like to apply online for shopping at Family Firearms in Troy, AL.

Click here if you would like to apply online for shopping at LOCK-N-LOAD in Enterprise, AL.

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 and save us all some time. :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 differnece in getting an approval.


*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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