Will somone either loan me three hundred bucks or talk me out of the M&P 40s that are out there.

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Actually I don't like to borrow money, so just send me the money. I am a good guy and I deserve it.

Are these police trade-ins a good deal? I have seen them at $239.00 (plus shipping and FFL fees) .40 cal must be even less popular than I thought.
 
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Unless they were issued to a tactical unit with a heavy training schedule, there's likely not to be all that much wear. I was issued an M&P40 2006-2015 (serial # started MPB) and wasn't thrilled with it. Shot the 1006 better, but the M&P had the same trigger stroke all the time. OTOH, you could get a 9 conversion barrel/mags and have two guns. Do change the recoil spring assembly.
 
I am a fan of the .40 S&W cartridge and was issued and carried 1st a Beretta 96D, then a Sig P226 DAO before retiring. Both were very comfortable with the .40 S&W cartridge. Also being a fan of the S&W M&P line I bought a LEO full sized model Gen 2 M&P in .40 S&W as soon as it became available and I found it to be every bit as comfortable to shoot as the larger and heavier metal framed guns. I have also shot Glock 22s and Glock 23s and to me the M&P was much more controllable and comfortable to shoot.
 
I am not going to be much help. I have 2 -40 m&p both pregen 2, one a compact the other full size. I have 9mm conversion barrels and magazines for both. They are great guns and work well with either caliber. My next change is going to be an adjustable sight for the full size. I do notice a difference in point of impact between 9 and 40 depending on weight of bullet and speed.
Buy one you will enjoy it especially at the prices. I have a lot more then that stuck in mine with no regrets.
 
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