6-8%, tops. If a person's credit is so crappy that they don't qualify, then they don't need to be buying a rifle... they are going to have much bigger problems to deal with soon.
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Never, ever, finance toys!!!
I was on DD's website a couple days ago and see that. My first thought was , WTF??
Is DD hurting that bad? What does their dealers think making it easy to buy direct??
This is an interesting way to keep moving product and not damage their brand by reducing the value of the product like some other manufacturers have done; selling "blems", blow out sales or per-unit price reduction.
It's all based upon your credit and payment history. If you're 18 and getting your first credit card, it's going to be in the 20s. If you're 30 and have had credit cards for the past decade without missing a single payment, keep a low balance, and have a good credit history with other companies, you can easily get a credit card with a low interest rate and request a reduction in interest rate on your existing cards.
But if you're 30 and the best interest rate you can get on a credit card is 20%, then there is something seriously wrong and you need to review your credit report ASAP.