I did years ago and it went alright. You filled out a loan app for some independant finance outfit.
If it were me I would look at Buds Gun Shop on line as they are cheaper, great to deal with and have a finance program that I have not used. Bought several guns there however. No tax, free shipping, just a FFL fee at your end.
Good luck, Gary
I have bought many guns from Carter's and the process takes about 5 min. to get approved. They used to use Wells Fargo and They (Wells Fargo) decided they didn't want to be associated with guns anymore so Carter's is now using GE Financing. Bought another gun from them about a month ago and it went smoothly.