Kings Pawn & Gun is a firearms and outdoor gear retailer offering in-store purchases, financing through U.S. Credit Inc., and an online catalog. They provide retail financing with APRs between 15.99%-23.99% for terms of 18-48 months.
Editorially reviewed by Harvey Brooks
Kings Pawn & Gun operates as a specialized pawn shop and firearms retailer based in Oklahoma (405 area code). The business functions primarily as a brick-and-mortar retail location with extended online catalog visibility, though they explicitly note online ordering is not currently available. Customers must call to place orders at (405) 670-3366. The company has been in operation long enough to maintain a professional web presence and partnership with GearFire as of their 2026 copyright notice.
The company offers an extensive inventory spanning firearms (handguns, rifles, shotguns, black powder weapons), ammunition across multiple calibers, tactical and hunting optics, knives, body armor, gun safes, holsters, reloading equipment, and general outdoor/survival gear. They stock both new inventory and items from distributors available for in-store pickup within three business days. A critical operational note from their website states: "We are often cheaper in store than online," suggesting their online catalog serves primarily as inventory reference rather than pricing mechanism.
Kings Pawn & Gun distinguishes itself through a retail financing program administered by U.S. Credit, Inc., offering credit-based APRs (15.99%-23.99%) with fixed terms of 18-48 months, a $500 minimum financed amount, and special "same-as-cash" promotions on purchases $1,000+. They impose no prepayment penalties and require no money down. Their store hours (M-F 9am-5:30pm, Sat 10am-4pm) reflect traditional retail operations. The financing program credit-pulls are valid for 60 days with a maximum of two open loans per customer.
This business model carries inherent consumer finance risk. The APR range (15.99%-23.99%) is substantially higher than traditional bank lending but typical for point-of-sale retail financing in specialized markets. The requirement to call for orders rather than process online transactions may deter convenience-seeking buyers. Their explicit statement that in-store pricing is lower than online suggests the online catalog may not accurately reflect current pricing or availability, creating potential friction for remote customers.
Yes. Kings Pawn & Gun is a registered company headquartered in 4255 E Reno Ave, Oklahoma City, OK 73117. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Kings Pawn & Gun is best suited for firearms and outdoor gear buyers in Oklahoma who have established credit (FICO-dependent approval) and prefer point-of-sale financing at fixed rates over cash payment or traditional lending. The primary caveat is the high APR range (15.99%-23.99%) combined with mandatory phone-based ordering and lower advertised online pricing, making this option most practical for customers who can visit the retail location in-person and have credit profiles qualifying for lower APR tiers.
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