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Wood Duck Hen - D.W. Nichol - A&M Decoys & Folk Art
Wood Duck Drake - D.W. Nichol - A&M Decoys & Folk Art

INDUSTRY LEADERS:  no dealer or auction firm relating to decoys and sporting art offers as many payment options as we do.  Proudly, we are the first firm to offer comprehensive financing at 0% apr for 6 months on all purchases, no purchase size limit.*

PAYMENT: Purchasers are to pay for their purchases immediately or upon receipt of an invoice, unless other arrangements have been authorized in writing by AMDFA. Payment may be made by all options listed below. AMDFA reserves the right to hold property until checks clear.  A $50.00 fee will be added for returned checks. If a check fails to clear after the second deposit, the Purchaser will be held responsible for any and all fees incurred until we have collected good funds.

Direct Payment Options:

- All major Credit & Debit cards (processed securely through Wix POS)

- PayPal
- Apple Pay

- Venmo

- Cash

- Check (made out to Mike Martin)

Financing & Layaway Options:
- Affirm: 0% apr for 6 months financing (any purchase, any amount)
- PayPal Pay Later
- Private Layaway

Our website securely accepts:

- Affirm
- PayPal
(and PayPal Pay Later)
- Apple Pay

- Credit Card (Processed through Swipe)

- Debit Card (Processed through Swipe)

Our website is secured through the web design platform Wix.  The secure payment processors we use are Affirm, Apple Pay, PayPal, & Swipe which can accept all credit and debit cards.  No credit card information is ever shared.

Financing Details

Now offering 0% apr no interest financing for 6 months.  On all purchases.  All year.

Benefits to buyers:
- Upgrade your collection without needing to have 100% of the funds today, tomorrow, or even 5 months from now
- Is now not a good time to pull out of your current investments?  0% apr for 6 months means you don't have to disrupt your current investments to add to your collection
- Not like classic lay-away.  Your purchase ships right away even though you haven't fully paid for it
- Don't sell off items from your collection ahead of time to raise capital, buy first, then 6 months allows you plenty of time to raise capital
- Win at the auction and win with us.  6 months allows you to pay for your immediate purchases and then pay for your purchase with us

Benefits to consignors:

- We are the only decoy & sporting art firm to offer comprehensive financing.  This means we can sell your items faster
- Funds are transferred to us within a few business days of the purchase so we can pay you immediately
- No headaches.  If the buyer defaults, that is between them and the lending firm.

Financing Examples:
Lot listed at $500 x 5% processing fee = $525     For 6 months at 0% apr your monthly would be $87.50/ month

Lot listed at $50,000 x 5% processing fee = $52,500     For 6 months at 0% apr your monthly would be $8,750/ month

Contact with any questions on how to get 0% apr no interest for 6 months on your next buy

payment options are offered by Affirm and are subject to an eligibility check.  Options depend on your purchase amount, and a down payment may be required.  California Residents: Loans by Affirm Loan Services, LLCare made or arranged pursuant a California Finance Lender License. For disclosures, see

Payment & Financing

A&M Decoys & Folk Art
Mike Martin

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