I would avoid at all costs as it seems that you are leasing the item from credova. There are also countless stories on the internet about ppl having nonstop issues or paying way more than the original cost of the gun
There are different rules in different states but the interest rate sucks.
And that dudes credit isn't that bad if he bought a house. Not bad enough he couldn't get a quickie personal loan at a dozen places on line for less than half that rate.