1. What Is ARC90 Gun Financing? ARC90 is a financial technology (fintech) company that partners with firearm retailers to offer point-of-sale (POS) financing specifically for gun purchases. Unlike a credit card or personal loan, ARC90 provides short-term, high-approval-rate installment loans for firearms, ammunition, optics, and accessories. Key distinction: ARC90 is not a bank. It uses an underwriting model that focuses on income and repayment ability rather than traditional credit scores alone, making it attractive for buyers with fair or poor credit. 2. How ARC90 Financing Works | Step | Action | |------|--------| | 1 | Shop at a participating FFL dealer (online or in-store). | | 2 | At checkout, select “ARC90 Financing” as payment method. | | 3 | Complete a short online application (name, income, bank account, ID). | | 4 | Receive instant or near-instant decision. | | 5 | If approved, sign an installment agreement. | | 6 | Dealer ships or transfers firearm after ARC90 pays them upfront. | | 7 | You repay ARC90 in fixed weekly or biweekly installments. |

Arc90 Gun Financing May 2026