30% Down holds any item

60 and 90 Day Layaway available with $25 fee each month. 30 Day Layaway with no fee.

Payment Schedule- even though layaway balance is due at the end of the layaway period, scheduled payments are not required. However, if you wish to  make payments, we will gladly accept them. We agree to hold the firearm during the layaway time  for the original price.

Layaway item will remain at J and B Guns until balance is paid in full. The item must remain in Original Condition throughout the entire layaway period. No layaway item may be fired until after it is picked up.

No refunds will be issued on layaway items, we will hold the payment as store credit for a total of 90 days from the original purchase date and can only be used for another store purchase excluding special orders.

No refunds after the 90 day term ends. NO EXCEPTIONS. If you cancel your layaway or return during the term, there is a 20% re-stocking fee that will be deducted from the down payment  prior to  returning  the credit on your account.
Balance must be paid in full at the end of the Financing Period …Sorry No Extensions.

Accounts in Default – all layaway accounts must be paid in full on or  before 90  days from the date of purchase. Otherwise, J and B Guns may terminate all overdue layaway accounts and payments are forfeited.

Upon full payment, the original purchaser is required by ATF to pass a background check prior to taking receipt  of any firearm. There is a 10%restock fee if you fail the background check.

Our financing program is done through Acceptance Loan located in Mobile, AL. Financing is only available to local customers who are able to visit our retail location. Financing applications are completed in our store and only take a few minutes to complete. If approved we can get you up to 1 year financing for purchases or 90 days same as cash. Our financing program includes no money down and you get to take your purchase home with you the same day. Payments are then made directly to Acceptance Loan once a month. You can even pay it off early with no penalties. Financing is available on everything we sell, not just firearms and even items that have to be ordered. Come see us today and make your dreams come true.