**TYPE 81 7.62X39 SERVICE RIFLE** ~Now on the way~ -Last chance!

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Credit score is only one part of the equation. Ability to repay the loan is primary and determined by your income minus a canned set of expenses and your other financial obligations. Housing and job stability a close second, if you moved around alot, employed for a relatively short time, or are employed in a rather unstable industry that's a considerable tick against you as well.
 
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Sinbad said:
Contact Tactical Capital. That who does financing. It won't let me copy the link sorry just google it
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Lol I already put in for financing when I ordered today, I was asking outta curiosity how long it took for ppl to hear back. No need to contact them
 
SquidMeister said:
Still listed as excellent. The only thing I have ever had financing for before was a gaming PC, and I was approved for that like a week after I got my first credit card with a 500 dollar limit.
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that's not enough to build a good credit score, I remember when I was young, I was not able to get a $500 credit card through my bank because my job was full time but only $2 more than minimum wage, and my cost of rent/bills etc was too much of my net income to lend me the money, and having never before had a credit card, your credit score is the lowest it can possibly be, so you can't even get credit in the first place in order to build a rating...it's stupid...I ended up getting a card through a big chain retailer, at.like 23% in order to build my credit enough to get one from the bank with a reasonable rate. My wife on the other hand who as a stay at home mom, with no employment got a $500 card through her bank, based on my income...go figure...
SquidMeister said:
Own a vehicle, rent a house, have 2 credit cards, 23 years old. However I know a 19 year old gronk that got a benelli financed through them, and he's got a horrid credit score.
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I don't know man, something is up...I would actually have a sit down with someone at the bank who can do a legitimate credit assessment, and find out why other lenders won't finance you.
 
Back on topic, I am ####ing pumped for my type 81...I was really having second thoughts about my choice of fixed stock, but the more I think about it, I made the initial choice based on my personal taste with no thought of shtf, portability, etc. I think the only thing that had me second guessing my decision was TI posting pics of the final product, which looks amazing...lol, if they posted a fixed model as well I don't think I would have even considered changing my decision...now I just want one of each, but I'm too much of a cheap skate...this will be the most expensive gun I own...

A good number of AR's and hand guns are so affordable but so useless in so many ways...lol
 
SquidMeister said:
Own a vehicle, rent a house, have 2 credit cards, 23 years old. However I know a 19 year old gronk that got a benelli financed through them, and he's got a horrid credit score.
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Just speculating here but maybe you don't make enough to cover everything and to finance it you would have a razor thin budget. Best bet is to go to your financial intuition and ask why they would not finance it.
 
cranswick said:
Back on topic, I am ####ing pumped for my type 81...I was really having second thoughts about my choice of fixed stock, but the more I think about it, I made the initial choice based on my personal taste with no thought of shtf, portability, etc. I think the only thing that had me second guessing my decision was TI posting pics of the final product, which looks amazing...lol, if they posted a fixed model as well I don't think I would have even considered changing my decision...now I just want one of each, but I'm too much of a cheap skate...this will be the most expensive gun I own...

A good number of AR's and hand guns are so affordable but so useless in so many ways...lol
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My suggestion is buy both and when they arrive test them out without firing them: portability, shtf, etc. Once you made your decision finalize it by testing it out on the range. If your convinced then sell the other one in 3+ months when people are looking for them unfired and supply has dried up, just try not to shoot the other one if you can. Sell it when you think the market is demanding them. Watch the EE for what they sell for. If people are asking $700 and they aren't moving don't sell them. If they are asking $1600 in the listing and they are gone in 3 hours, that would be a good time to sell. Consider it an investment, an investment can lose you money or break even or make you money its all about taking that risk.
 
Jaylegger said:
Credit score is only one part of the equation. Ability to repay the loan is primary and determined by your income minus a canned set of expenses and your other financial obligations. Housing and job stability a close second, if you moved around alot, employed for a relatively short time, or are employed in a rather unstable industry that's a considerable tick against you as well.
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These loans are based totally on your credit score, financial information is sparse to say the least on the application. Income is optional. If you have a in the green say fair to excellent score which would be 650 and up. It's based on no credit being 300 and the highest possible being 900. You will be fine. Students get loans and financing all then with out even having a job it's based on the risk factor of wether or not they think you will pay it back and your score determines that
 
Plus your score is only updated every 6 months so if you keep trying to finance stuff you credit goes way down but it will show the same score lol that might be your problem
 
M_User said:
My suggestion is buy both and when they arrive test them out without firing them: portability, shtf, etc. Once you made your decision finalize it by testing it out on the range. If your convinced then sell the other one in 3+ months when people are looking for them unfired and supply has dried up, just try not to shoot the other one if you can. Sell it when you think the market is demanding them. Watch the EE for what they sell for. If people are asking $700 and they aren't moving don't sell them. If they are asking $1600 in the listing and they are gone in 3 hours, that would be a good time to sell. Consider it an investment, an investment can lose you money or break even or make you money its all about taking that risk.
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lol, it sounds like a solid plan, but there are a great many things in my life that could use the money...It's bad enough I bought one in the first place as it does nothing more than any rifle I already have, other than look awesome, and that was selfish of me...every other gun I own has a specific purpose...I'm not made of money, and my family comes first...and mama wants a new kitchen ;) I just spent $800 on the new window...when I make some money on my house, and I still want a folder, I'm sure there will be some around by then...
 
Matt762 said:
I love how we can't have AK variants but we can have the gun that replaced the AK
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But we can have the SKS and this rifle is said to have the Type 63 (modified SKS) bolt group system:

The bolt group (of the rotating bolt type) is borrowed from the Type 63 rifle.
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type63-1.jpg


Type81_LRG.jpg
 
Matt762 said:
I love how we can't have AK variants but we can have the gun that replaced the AK
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Isn't it wonderful?

One of the biggest fear they had was dumping as countries switch to more modern rifles, with over 100 millions made, some AK were dumped at $25 several years ago .

No chance of T81 doing the same.
 
SquidMeister said:
Own a vehicle, rent a house, have 2 credit cards, 23 years old. However I know a 19 year old gronk that got a benelli financed through them, and he's got a horrid credit score.
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If you haven't pulled your credit report from Trans Union and Equifax, I would suggest you start there. About 15 years ago I was declined for a Moore's credit card...Moore's, for crying out loud. There was no reason given other than I didn't meet their "minimum requirements". I knew this was bunk so pulled my credit reports and low and behold, an MBNA MasterCard had been taken out in my name by people that rented the place I had lived at a year prior. They racked up about $15k in debt in the first few weeks of opening the card and, obviously, never made any payments. When I talked to the previous landlord, she said they moved out abruptly after two months without giving any notice or forwarding address. It cost me about $600 for investigative and notary fees as well as almost a year and a half of dicking back and forth before I was able to get my credit report cleared up.
 
I have now bought one, but after reading this thread these rifles have not arrived yet?
Will my CC be charged now or when the rifle arrives?
The folding stock seems to be available so that's what I chose.
 
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