Why would I choose this over a credit card or layaway?
We offer easy monthly payments, and our interest rates have been designed to be competitive and lower than a credit card in most cases (depending on your credit worthiness). Also, our loans will not go on your credit record unless you default on payment, and we do not make credit inquiries to your file.
In comparison to layaway, you get your merchandise right away, once approved with TCC financing. No waiting. Also, layaway is not “free”. You are losing interest on the money you have to give a retailer in advance, and these payments are some times non-refundable. In other words, while they are holding your money, you do not earn interest or get your merchandise!
Many dealers offer layaway options over 3 months. You pay them over 3 months, and at the end you can pickup your firearm. We do not charge interest on 3 month terms. With us, you can receive your firearm right away and then pay.
Will you finance a firearm from a non-dealer partner?
Unfortunately, at this time we will only finance a firearm from one of our dealer partners. However, many of them ship across Canada, and we will finance any firearm purchase from them including used and online. If you have a dealer you would like to buy from that is currently not accepting our financing, please let them and us know that you would like to see this particular dealer added.
What do I have to send you after I complete the application?
In many cases, all you need to send us is proof of employment like a pay stub.
What will you finance?
Currently, we finance non-restricted and restricted firearms with a minimum purchase price of $300. We also finance firearm optics.
Can I purchase online?
We will gladly finance firearms purchased online from our dealer partners. Please fill out an application
Is there a minimum purchase amount? Is there a maximum?
We currently have a minimum purchase to finance of $300. There is no maximum amount.
Is my information safe?
Absolutely! We take great care in protecting the information and privacy of all of our customers. We will not divulge your information to any third party.
We take the security of our customers’ information very seriously. Our website uses the latest SSL (Secure Sockets Layer) technology – the industry standard for encryption technology. It is used to create a secure transaction environment for commerce on the Internet. If your browser, and local network support the use of encrypted data transmissions, our secure application system, secures your personal information passed from you to Tactical Capital Corp in encrypted packets, making it extremely difficult to be intercepted by an unauthorized party. SSL technology is compatible with Netscape, Internet Explorer, AOL, Web TV and most major browsers. It is the same level of encryption technology used by NASA and the CIA. In order to add another layer of security we also encrypt all sensitive information stored in our database.
Can I finance more than one firearm at once?
You may finance as many firearms at once as you choose, depending on our credit process
I have bad credit, will you finance me?
We use various credit tools to assess each borrower. We will do our best to work with all borrowers. In certain cases will may need to approve you for a lower amount, charge a higher rate, require a down payment, or require a guarantor.
How do I make my monthly payments?
We will debit your account every month.
How long does it take to get my firearm approved?
Once we receive your application we will contact you within 24 hours.
Do you fund purchases outside of Canada?
Currently, we only work with dealers and consumers within Canada.
Do I need to re-apply every time I want to finance a firearm?
We will work with you to make additional purchases as easy as possible. Please contact us for options!
What if I miss a payment?
Our customer service agents will work with you to keep your account in good standing. Fees for missed payments may be charged.
Can I prepay the financing?
Absolutely, we allow borrowers to prepay at any time without penalty.
I do not live close to the retailer. Can I finance a firearm?
Yes. Please submit an online application with the firearm you would like. Please include the retailer’s price in the application. If approved, our retail partners will ship the firearm to you.
Can you help me find what I am looking for?
Yes. We also offer personal shopping services. Email us and let us know what you want and we will utilize our network of retailers across Canada to try and find it for you.
*a 6% service charge will be added for this service to a maximum of $50.