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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.
Data compiled from public sources
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.
This is state-level context for Pawn Shops consumers in Oklahoma City, OK. It does not confirm that Kings Pawn & Gun or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Short-term lending status: Legal
General rate context: 6% default rate; payday loans capped at $500 with $15 per $100 fee for first $300
Oklahoma allows payday lending with a $500 cap and tiered fee structure. Borrowers are limited to two outstanding loans at a time. The Department of Consumer Credit regulates lenders, and complaints can be filed with the Department or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Kings Pawn & Gun offers 12 services including Retail installment financing (18-48 months, 15.99%-23.99% APR) through U.S. Credit Inc., Special 'same-as-cash' financing for purchases $1,000+ (0% if paid in full within promotional period), Firearms sales (handguns, rifles, shotguns, black powder, tactical variants), Ammunition sales (rifle, handgun, shotgun, rimfire, bulk, slugs, blanks), Optics and sighting equipment (scopes, red dots, night vision, thermal, rangefinders, binoculars), and 7 more.
Kings Pawn & Gun is best suited for Firearms and tactical equipment enthusiasts with credit approval who prefer fixed-rate financing over cash payment, Hunters and outdoor sportspeople needing specialized gear (optics, ammunition, body armor) financed over 18-48 months, Local Oklahoma customers who can visit the retail location in-person to compare pricing and inventory before purchasing.
Key strengths: No prepayment penalties—borrowers can pay off financed purchases early without additional cost; No money down required and no application fees for the financing program; Special 'same-as-cash' financing available for purchases $1,000+ if paid in full within promotional period. Areas to consider: APR range of 15.99%-23.99% is significantly higher than traditional bank or credit union lending; Online ordering not available—all purchases require phone calls, reducing accessibility and convenience.
In the Pawn Shops category, comparable providers include 102 Pawn, Big Hill Trading Company and Pawn, Big K Pawn Shop. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
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.
102 Pawn in Shawnee, OK offers pawn loans, buys items in good condition, and sells new and used goods including firearms, ammunition, and outdoor accessories.
Best for: Shawnee, Oklahoma residents needing quick collateral-based loans, Customers who appreciate text reminders and personalized item alerts to manage pawn transactions
Big Hill Trading Company & Pawn in Ponca City, OK offers collateral-based loans, item sales, and gold buying with experienced staff and a judgment-free environment.
Best for: Individuals needing immediate cash and possessing valuable collateral (jewelry, electronics, instruments, firearms), Bargain shoppers seeking discounted secondhand merchandise and unique items
Big K Pawn Shop offers collateral-based lending through pawn transactions. Limited website information available; appears to be an early-stage or minimally developed online presence.
Best for: Consumers who own valuable items and need immediate cash without credit checks, People seeking short-term collateral-based loans rather than unsecured debt
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