Thermal Scope Financing: Are There IR Optic Payment Plans?

Man with a AR15 rifle dressed in camouflage with thermal scope on top and article title and logo

Thermal scopes are expensive and specialized equipment that can be used for various applications such as hunting, law enforcement, and search and rescue operations. But with such a significant cost and the need for specialized features, it can be difficult for a person to purchase a thermal scope.

However, there are various ways to finance a thermal scope, including traditional financing, payment plans, and layaway plans. Read on to find out the different ways to finance a thermal scope and get to owning one.

Can You Finance a Thermal Scope?

Yes, you can finance a thermal scope with the help of several different financing companies. Many retailers that provide thermal devices offer their financing, or you can use a third-party financing company or credit card financing.

How to Finance a Thermal Scope?

The first step in financing a thermal scope is to determine your budget. This will help you narrow down the type of thermal scope you are looking for and the financing options available.

Once you have determined your budget, start looking into the financing many retailers offer or at third-party financing companies, such as Affirm, that specialize in thermal scope financing.

You can also use a credit card to help finance your purchase, though you should read the fine print to ensure the interest rate is reasonable.

Who Finances Thermal Scopes?

A man adjusting a Burris thermal scope that is mounted to a rifle

Simply put, financial institutions like banks, credit unions, and online lenders can finance thermal scopes. And as mentioned above, there are retailers that may also offer financing options, while some manufacturers will have programs too.

Additionally, there are companies that offer payment plans or lease-to-own options that allow customers to make monthly payments instead of a lump sum. Other financing options may include special offers with zero-interest or low-interest rates, and in some cases, military personnel may be eligible for discounts or special financing.

Now, there are also some companies that offer financing through a third-party partner, such as PayPal Credit, Affirm, or Synchrony Financial. Customers may also use a credit card to finance their purchases, however, it’s essential to read the terms and conditions of any financing agreement carefully before signing. (1)

Types of Thermal Scope Payment Plans

The payment plans for financing a thermal scope vary depending on the company. Generally, there are two types of payment plans: installment plans and deferred interest plans.

With an installment plan, you will make regular payments over a set period until the total purchase price is paid off.

And with a deferred interest plan, you will make regular payments over a set period, but the interest will be deferred until the total purchase price is paid off.

Thermal Rifle Scope Financing in Texas

Man laying down target practicing with a Pulsar thermal scope using a rifle bipod

In Texas, several companies specialize in financing thermal rifle scopes. In fact, many of these companies offer installment plans, deferred interest plans, and other financing options.

Additionally, some retailers in Texas offer financing plans too, so it’s essential to shop around to find the best option.

If you’re looking to finance a thermal rifle scope, there are several options available in Texas:

1. Texas Gun Financing

Texas Gun Financing is a Texas-based company that specializes in financing firearms and related accessories, such as thermal rifle scopes. They offer financing plans with terms from 6 to 24 months through an online application process that takes just minutes.

2. Texas Gun Exchange

Texas Gun Exchange also specializes in providing financing to purchase firearms and other related equipment, and that includes thermal rifle scopes too. What they offer are plans with terms from 6 to 18 months, which can also be conveniently done online.

3. National Rifle Association (NRA)

The NRA offers a credit card program with special financing options for NRA members. Their program includes a 6-month special financing offer on select purchases of $299 or more, which cover thermal rifle scopes.

4. Cabela’s

Cabela’s offers a variety of options for its products, which certainly encompasses thermal scopes. They offer plans with terms from 6 to 48 months – incredibly generous – and all through an easy online application process.

5. Sportsman’s Financing

Sportsman’s Financing is a Texas-based company that specializes in providing financing to purchase firearms and related equipment, and yes, including thermal rifle scopes too. They offer plans with terms from 6 to 24 months, and that could be applied for all online.

With these options, you should be able to find the right financing solution for your new thermal rifle scope. And to get a better idea of the online application process here’s a video showing what you’ll roughly come across in these options. (2)

Thermal Scope Affirm Financing

If you haven’t heard of them before, Affirm is a third-party financing company that specializes in thermal scope financing and offers installment plans, deferred interest plans, and other financing options. They also provide a 0% annual percentage rate (APR) for 12 months on certain purchases, though it is essential to read the fine print as this offer may not be available for all purchases.

Essentially, Thermal Scope Affirm Financing is a financing option offered by certain retailers to help customers purchase the company’s products. With this option, it allows customers to spread their payments over several months while still enjoying the benefits of buying a thermal scope product.

Pulsar thermal scope seen from the side mounted on a AR rifle

So, to apply for financing, customers can register through the retailer’s website, and they will receive an instant decision on whether they are approved or not. 

To qualify for Thermal Scope Affirm Financing, they must meet certain criteria, including having a valid US address, being at least 18 years of age, and providing proof of income. The financing terms will vary depending on the customer’s creditworthiness.

Are There Any Thermal Scope Layaway Plans?

Yes, some retailers may offer thermal scope layaway plans. However, these plans are becoming less common as more retailers switch to financing options. With a layaway plan, you will make regular payments over a set period until the total purchase price is paid off.

Can you rent a thermal scope?

In addition to financing, you can also rent a thermals scopes. This is an even cheaper option in many cases as you’re not actually buying the scope.

Best Thermal Scope Under $1000

If you’re looking for affordable thermal scopes to buy, make sure to take a loo at our article on the best thermal scope under $1000,

best thermal scope under $1000

Frequently Asked Questions

Thermal scope

Can you finance a Pulsar scope?

Yes, you can finance a Pulsar scope with the help of several different financing companies. Many retailers covering thermal areas offer their financing, or you can use a third-party financing company such as Affirm. Additionally, some credit cards may provide unique financing options, though it is essential to read the fine print as some may have high-interest rates.

Can you finance an ATN scope?

Yes, you can finance an ATN scope directing through the retailers, in-house financing offered by the retailer and third-party financing such as Affirm, Katapult, and Progressive Leasing, among others. Credit card financing might also be another option to consider.

References

  1. Synchrony, What is Consumer Financing? Benefits, Examples, and How to Start, retrieved from https://www.synchrony.com/the-value-of-consumer-financing.html
  2. Pulsar, Choosing The Right Thermal Scope For Hunting, retrieved from https://pulsar-nv.com/useful-information/choosing-the-right-thermal-scope-for-hunting/

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