I have never even heard of financing a rifle, unless you are using a credit card to buy it or using store credit. In either case, it will reflect on your credit one way or another. But if you are asking if it is part of the background check in order to purchas the gun, no, they do not run a credit check. At least in my state they dont. As long as you arent a stalker or drug smuggler or beat your wife, you should be good to go. Oh yeah, you cannot be a defector either. So as long as you havent just snuck accross the border you are ok there too.