Silencer Marketplace FlexPay Layaway Program
Secure Your Firearm or Suppressor Today, Pay Over Time.
At Silencer Marketplace, we believe financial flexibility shouldn’t stand between you and the premium firearm or NFA item you want. Our FlexPay Layaway Program is designed to make responsible ownership more accessible. Lock in today’s price, secure your item in our inventory, and pay in manageable installments.
How the Silencer Marketplace FlexPay Program Works
Our process is simple, transparent, and designed with your convenience in mind.
- Select Your Item: Browse our inventory and choose the firearm, suppressor, or accessory you wish to place on FlexPay Layaway. (See eligibility below).
- Initiate Your Plan at Checkout: Select “FlexPay Layaway” as your payment method during the online checkout process.
- Make Your Initial Deposit: A 20% minimum deposit is required to start your plan. This secures the item and removes it from public inventory.
- Complete Your Payments: You have a standard 90-day period to pay the remaining balance. You can make payments of any amount at any time through your online account dashboard. A final payment is due by the 90th day.
- Complete Your Transaction: Once paid in full, we will coordinate the final steps. For firearms, this includes the required background check (Form 4473). For NFA items (like suppressors), we will immediately initiate the ATF Form 4 transfer process upon full payment.
Key Program Benefits & Policies
Program Advantages
- Price Protection: Your item’s price is locked in the day you start your plan, protecting you from potential price increases.
- Inventory Guarantee: The specific serial-numbered item is reserved for you and held in our secure facility.
- Flexible Payments: Make payments on your schedule through our secure customer portal. No hidden fees for members.
- Path to NFA Ownership: For suppressors, starting a FlexPay plan lets you secure the item while you save. The ATF paperwork and wait period begin only after the item is paid in full, allowing you to plan ahead.
Eligibility & Important Details
To ensure a fair and smooth process for all customers, please review these key terms:
| Policy Area | Silencer Marketplace Terms |
|---|---|
| Eligible Items | Most in-stock firearms and suppressors priced at $200 or more. Excludes ammunition, special orders, clearance/”as-is” items, and certain rare/hard-to-find products. |
| Plan Duration | 90 days from the initial deposit date. Extensions are not granted except in cases of a delayed NICS background check that extends beyond the 90-day window. |
| Service Fee | A $25 non-refundable service fee applies to all layaway plans. This fee is waived for Silencer Marketplace Pro Members. |
| Cancellation by Customer | If you cancel your plan at any time, your initial 20% deposit and the service fee are non-refundable. |
| Plan Default | If the balance is not paid in full by the 90-day deadline, the plan will be automatically canceled. All payments made, including the deposit, will be forfeited as a cancellation fee. |
| Background Check (NICS) | The required background check is only processed upon final payment. If the check is denied, the item will be returned to inventory and all payments (minus the $25 service fee) will be refunded. |
| Item Changes & Access | The specific item on your plan cannot be changed or substituted after the deposit. Physical inspection of the firearm is only permitted after final payment and during the pickup process. |
Frequently Asked Questions (FAQ)
Q: Can I use the FlexPay Layaway program for an NFA item like a suppressor?
A: Yes. Suppressors are eligible. Placing one on layaway secures the price and the physical item. The ATF Form 4 transfer process, which includes the tax stamp payment and the mandated waiting period, begins once the suppressor is paid in full.
Q: How do I make my scheduled payments?
A: Log into your Silencer Marketplace account and navigate to “My Orders” or “My Layaway Plans.” You can make payments of any amount at any time using a credit/debit card or other approved methods.
Q: What happens if I’m late on a payment?
A: We encourage you to stay on track. While we may send payment reminders, the 90-day deadline is firm. Failure to pay in full by the deadline will result in the automatic cancellation of your plan and forfeiture of all payments, as outlined above.
Q: Who can pick up the firearm when it’s paid off?
A: The firearm or NFA item can only be transferred to the individual named on the layaway agreement, who must pass the required federal background check (and, for NFA, the ATF approval process). Transfers to another person are not permitted through this program.
Ready to get started? Browse our selection of suppressors and firearms, add your chosen item to the cart, and select “FlexPay Layaway” at checkout to begin your journey to ownership.
All terms of the Silencer Marketplace FlexPay Layaway Program are subject to change. The terms in effect at the time you initiate your layaway agreement will govern your plan.