Financing:    How the Process Works in 5 Simple Steps and FAQ’s:

RETAIL CREDIT PROGRAM – HOW IT WORKS Step 1. Complete the credit application. You will be asked to provide your basic demographic information including your monthly household income. Remember to add the income of everyone in your household including your spouse’s if applicable, even if you are applying just for yourself.

Please Click the Link to Apply:        SOT Finance Application Link    

**PLEASE NOTE: ‘Straw Purchase’ financing applications are illegal and will result in immediate cancellation. A straw purchase is any purchase wherein an agent agrees to acquire a good or service for someone who is unable or unwilling to purchase the good or service themselves, and the agent transfers the goods or services to that person after purchasing them. A straw purchase of a firearm is illegal by federal law.

Step 2. Read and acknowledge the Application Agreement (Consent to Review Credit), Privacy Policy, ACH Acknowledgement Notice and Consent to Receive Information Electronically by checking the appropriate box and then submitting your application. Within 60 seconds you will receive your initial credit decision; either a pre-approval notice or a denial. If you are pre-approved you will receive a notification explaining the credit limit for which you qualified and the specific terms of your contract. If you have been denied, you will receive an email with the specific reason(s) for the denial. Applicants who are denied because of FICO score will be referred to the Credit Bureau. Applicants who are denied for other reasons can contact Sandbar Acquisition Company, LLC Customer Service Toll Free at (844) 223-2632 to appeal the denial, or resolve any issues. Step

3. Send an electronic copy of your current state issued photo identification and recent paystub within 30 days to: Quick Tip: Take a picture of your ID/paystub with a cell phone and send it via email.

Step 4. Contact the participating dealer or manufacturer that you are purchasing from to place your order. Please call us and we will be happy to provide you with the contact information. Remember the minimum financing amount is $750.00.

Step 5. When your product invoice is complete you will receive an email from Sandbar Acquisition Company, LLC with a link to your documents. This step must be performed on a lap top or desktop. The initial link provided to you will ask you to provide the bank routing number and account number from which your automatic ACH payments will be withdrawn. After your financial institution is verified and submitted, you will receive a second link prompting you to electronically sign your contract documents. Once the e-signature process has been completed, and your order is ready to be picked up or shipped, Sandbar Acquisition Company, LLC will disburse payment directly to the dealer. You will be notified by the dealer when your order is complete and your purchase is ready to be picked up or shipped.


What are the interest rates and other terms of the credit program?

The actual interest rate (Annual Percentage Rate) you will be charged and your credit limit is dependent on your FICO score and other underwriting criteria and may be subject to your state of residence. The APR charged will be the lesser of either the maximum rate allowed by your State of residence or 17.99%. The contract rate will remain fixed for the duration of the contract. The financing terms range from 12 to 36 months based directly on the total amount financed. The minimum financed amount is $750.00. Financing is offered by Sandbar Acquisition Company, LLC. and serviced by Commonwealth Ordnance Finance Company, LLC. Not all buyers may qualify. Please note Class III items do not qualify for financing.

**Straw purchases are illegal**

A straw purchase is any purchase wherein an agent agrees to acquire a good or service for someone who is unable or unwilling to purchase the good or service themselves, and the agent transfers the goods or services to that person after purchasing them. A straw purchase of a firearm is illegal by federal law.

Please keep in mind the person applying for financing must be the person who ultimately takes possession of the firearm. It is illegal (by Federal Law) to purchase a firearm on behalf of another person. If there is any indication of such the application will be cancelled.

Are there any prepayment penalties for paying off a contract early?

You may pay off your contract in full at any time without penalty.

How long do I have to spend my full approved financed amount?

The credit amount that you were approved for is good for 60 days from the date you receive your pre-approval. Minimum credit amount must be at least $750.00. The maximum numbers of open financed contracts are restricted to two (2) up to your approved high credit. Be sure to read ALL of the contract disclosure information and if you have any questions feel free to contact Sandbar Acquisition Company, LLC. at (844) 223-2632.

Are there additional shipping costs, fees or taxes?

Any shipping and handling costs 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 and there may be additional state or federal fees. Sandbar Acquisition Company, LLC. does not charge fees of any kind.

How can I check the status of my application?

Throughout the order process you will receive a series of emails informing you of your order status. You may also contact us Toll Free at (844) 223-2632 or

What happens to my contract if I return the purchased product(s)?

Return policies on all purchases are determined by the individual retailer. If you return your purchase in accordance with the retailer’s stated policy, the dealer must return your funds to Commonwealth Ordnance Finance Company. If we receive your funds within the first 30 days of the initial disbursement we will cancel your contract and waive any outstanding interest charges. If we receive the funds from the dealer later than 30 days following the initial disbursement we will cancel your contract, but you will be responsible for any additional accrued interest charges. Likewise, if the dealer deducts any other fees from your funds (i.e. re-stocking fees, damage fees, etc.), we will only cancel your contract in the amount refunded by your dealer and you will be responsible for making any additional payments.