Financing: How the Process Works in 5 Simple Steps:

RETAIL FINANCING PROGRAM – Application Instructions

Step 1. To see if you are eligible to apply for financing you will be asked to provide your full name, current address and last four digits of your social security number. This is a credit ‘soft-pull’ and will not impact your credit ratings or score. If you are eligible you will the complete the credit application. You will be asked to provide your basic demographic information and prompted to set-up an account to access the customer portal. Your email address will be your User ID; you choose your password.

Please Click the Link to Apply or View FAQs:        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, 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 an approval or a denial. If you are approved move on to Step 3 of the process.  If you have been denied, you will receive a letter in the mail with the specific reason(s) for the denial.

Step3. Upload an image of your current state issued photo ID to the customer portal. U.S. Credit will not accept information via fax or 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 $500.00.

Step 5. When your product invoice is complete you will receive an email from DocuSign with a link to your documents.  You will be prompted to electronically sign your documents.   Once the e-signature process has been completed U.S. Credit, Inc. 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.