Similar situation happened to me on my Raptor...put $3k on the title and got a letter in the mail a couple months later stating the vehicle retail price was $4,500 minimum and i owed them more taxes, probably not smart but i filed the letter in my trash can!
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Areostich AD1 Pants have been ordered!!! My size 44L were actually on sale for 22% off plus a extra 10% with their "stuff that fell off the sleigh sale" got them for $240 with shipping. SWEET!!! http://www.aerostich.com/sale/rider-gear/darien-pants/ad1-pants-size-44l.html
Financing a gun means that you can't afford it right now. Buy your wife's first, save the money for yours and then buy it. By then there won't be an issue with the background check. I can't see why everyone wants to finance things. Just save the money then buy it.