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What are the interest rates and other terms of the financing program?
The annual percentage rate (APR) charged will be between 15.99% and 23.99% and is dependent on your
FICO score. The contract rate will remain fixed for the duration of the contract. Your high credit
will be dependent on your FICO score. The financing terms range from 18 to 48 months based directly
on the total amount financed. The first contractual payment installment will be due 30 days from the
date of signed documents and each month thereafter. Subsequent monthly installments will be made
through the borrower’s method of payment each month. The minimum financed amount is $500.00. Not all
buyers may qualify.
What is Special Financing?
Special Financing or ‘same-as-cash’ is available on qualifying purchases of $1,000 or higher and
is subject to credit approval. No interest will be charged if the account balance is paid in full
within the promotional period noted on your contract. Regular monthly payments will be due according
to the contract terms. Interest will be charged from the signed contract date if the balance is not
paid in full. Special Financing will also be voided if a monthly installment is late more than 15
days at any time within the promotional period.
Are there any pre-payment penalties for paying off the loan early?
You may pay off your contract in full at any time without penalty.
How long do I have to spend my full approved amount?
The high credit amount that you have been approved for is good for 60 days on your current
application only. Any subsequent requests must be submitted through the same application process and
will be re-evaluated. This product is not a revolving line of credit. A new credit file will not be
pulled if within 60 days of previous application. The maximum number of open loans is restricted to
two (2) and total of loans will not exceed the approved high credit. The minimum credit amount to be
financed is $500. Be sure to read all of the contract disclosure information and if you have any
questions, please feel free to contact U.S.Credit, Inc. at (844) 223-2632 or email to
financing@uscreditinc.com
Are there additional fees, costs or taxes?
There are no fees associated with the application process. Any shipping, handling costs or
associated fees charged by the dealer may be added to your final invoice. These fees will be included
in the financed amount. Taxes will vary from state to state. There is no money down required.
What happens if I change, cancel or return my order?
If you cancel the order prior to signing the contract the application is withdrawn and the
dealer will be notified of the change in status. If the contract has been signed and the funds have
been sent to the dealer it is between you and the dealer to rectify the situation. Once the dealer
receives the returned order the dealer will send the funds back to you minus any restocking or other
associated fees. You then have the option of paying off your contract. Customer is responsible for any
accrued interest from the date of the signed contract. Please note the terms of your contract remain intact.
How do I make payments?
Your payments will begin 30 days from the date you sign the loan contract. Your loan will be
serviced by Reunion Student Loan Finance Corporation-RSLFC. You will have both a web based and mobile
account portals to submit payments, update account information and monitor your account.
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Who We Are
At C&K Firearms we take pride in being a trusted provider of high-quality firearms, ammunition, and tactical accessories to those who protect and serve. We're not just a weapons dealer — we're a reliable partner to federal, state, and local agencies who need dependable gear, fast turnaround, and total compliance. We understand the responsibility that comes with arming professionals in the field. That's why every product we deliver and every service we provide is guided by integrity, expertise, and commitment to mission success. Core Competencies • A wide range of firearms and small arms (handguns, rifles, tactical shotguns) • Duty and training-grade ammunition • Weapons accessories like optics, rails, lights, and mounts • Tactical gear and support equipment • Custom builds and configuration support • Maintenance and armor services • Emergency procurement and rapid response delivery Differentiators • Licensed & Certified: Fully FFL-certified and registered with SAM.gov • Veteran & Law-Enforcement Friendly: The team includes former military and law enforcement professionals • Fast & Reliable: Rapid sourcing and streamlined logistics ensure your mission doesn’t wait • Manufacturer Relationships: Strong partnerships with top-tier firearm and accessory manufacturers • Small Business Agility: Personalized service, flexible contracts, and attention to detail NAICS CODES • 332994 – Small Arms, Ordnance, and Accessories Manufacturing • 423910 – Sporting and Recreational Goods Wholesalers • 332995 – Other Ordnance and Accessories Manufacturing • 423990 – Other Durable Goods Wholesalers • 611699 – Training Services (for firearm handling or safety, if offered) Company Information • Legal Name: C&K Firearms • Year Founded: 2017 • Structure: Sole Proprietor • CAGE Code: 12SY3 • DUNS/UEI: JK7BQJYWHJ58 • Business Status: Small Business, Veteran-Owned, SDVOSB • Headquarters: Chester, Virginia Let’s Work Together Whether you need long-term procurement support or rapid gear deployment, we're ready to deliver. Please don’t hesitate to contact me. We would be proud to support your mission. Contact: Chris Spencer, Owner 📞 817-455-1446 ✉️ c.l.spencer@sbcglobal.net 🌐 c-and-k-firearms.com We also offering CCWP for the state of Virginia We also do firearm transfers. Please contact us if you needing a FFL to complete the transfer. So there is no confusion on the transfer fees the background fee is separate from the transfer fee. The VSP charge is there because that's a requirement for the background. Please read the fee chart and add them together that's how you get the total for the fee. Thanks We also do private transfers as well. 8am-5pm operation Hours. Veteran Owned and Operated. 
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