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Credova Financing

Buy Now Pay Later for the Outdoorsman

Financing for your next firearm and accessory purchase is easy. Why pay for the full purchase upfront when you can have smaller monthly payments? Better yet, get approved with no credit impact. You're never locked in full term with the ability to buyout anytime, payoff your principal in 6 Months to pay no interest* (Depending on your offer details) or spread your payments out of the full length of your contract to adventure now, pay later!


How It Works
the four steps to credova financing

6 Months Interest Free*
Payoff your principal in 6 Months and you pay not interest. You can also spread your payments out up to the term length provided in your offer. Approvals for 6 Months interest free offers are dependent upon the applicants credit profile. Keep in mind, not all offers are 6 Months interest free. Please review your offer details closely prior to completing your purchase.

Approvals in Seconds
Apply online 24/7 for financing approvals in seconds. Applications can be filled out from any device with an internet connection. If you have any questions about the application, call 833-273-3682 to reach customer support during normal business hours of 6AM to 6PM PST.

Get Approved With No Credit Impact
There are no hard credit inquiries during the approval process so you can get approved with no impact to your credit score.

Pay Over Time
Credova puts the purchasing power in your hands with monthly payments instead of paying for the entire purchase upfront.

Customer Support
Credova has dedicated support avilable for any questions or assistance you may need during normal business hours of 6AM to 6PM PST.

Call 833-273-3682 | Email info@credova.com | Visit www.credova.com

Features
APPROVALS IN SECONDS
Apply online 24/7 for financing approvals in seconds. Applications can be filled out from any device with an internet connection. If you have any questions about the application, all 833-273-3682 to reach support.
PAY OVER TIME
Credova puts the purchasing power in your hands with monthly payments instead of paying for the entire purchase upfront.
BUILD YOUR CREDIT
Using a financing option on Credova can help build positive credit history by making on-time monthly payments.
6 MONTHS INTEREST FREE
Payoff your principal in 6 Months and Interest Free. You can also spread your payments out up to 36 months.
GET APPROVED WITH NO CREDIT IMPACT
There are no hard credit inquiries so you can get approved with no impact to your credit.
CUSTOMER SUPPORT
Credova has dedicated support available for any questions or assistance you may need during normal business hours of 6AM to 6PM PST.

FAQ
How does 6 months interest free financing work?*
It’s simple. Pay off your principle within the 6 month promotional period and you pay no interest. Keep in mind, you must make your regular monthly payments on time because if you miss a payment or are late, you no longer qualify for the promotion. Credova counts one month as 30 days, so 6 months = 180 days. Keep in mind, not all offers are 6 months interest free.
Are all financing approvals 6 months interest free?*
Not all financing approvals are 6 months interest free. If you are approved for a 6 months interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a 6 months interest free offer, please feel free to reach out to Credova support to discuss.
What if I don’t pay off my balance in 6 months?*
If you’re unable to pay off your contract within the 6 month promotional period, you’ll be responsible for the full terms and conditions of your contract. This means, you will have to pay any and all incurred interest. Keep in mind, not all offers include the 6 months interest free option.
Can I still payoff my contract early, even if it’s past the 6 month promotional period?*
You can buyout of your contract at any time. If you’d like to payoff your contract early, but it’s past the 6 months promotional period, then you’ll pay interest up until the point you payoff the remainder of your principal. You will not be responsible for future months interest charges after your buyout.
What type of financing is offered?
Credova is partnered with a network of financing options that offer retail installment sales contracts (RISCs) and/or closed-end consumer lease agreements.
What is the different between a RISC and a Closed-End Consumer Lease Agreement?
With a RISC, you are purchasing the item and agreeing to make installment payments over a specific term plus any associated interest rate. A closed-end consumer lease agreement doesn’t have an interest rate, but rather charges monthly leasing fees. With a closed-end consumer lease, you are leasing the item/s from a lessor and have the option to purchase the item during the course of the lease.
What are the leasing fees?
If you choose to accept a closed-end consumer lease offer, with each monthly payment, you will pay leasing fees. These fees represent the premium charged by the lessor for allowing you to lease an item and will vary depending on customer approval information. Please review your offer/s carefully prior to completing your agreement.
What is the interest rate?
The interest rate is the amount charged, as a percentage of principal, by a retailer to a customer for the ability to pay for an item over time. This is often expressed over an annual basis commonly referred to as the annual percentage rate (APR). The system considers more than just your credit and your interest rate will vary based on the information you provide. Please review your offer/s carefully prior to completing your agreement.
Am I locked into financing for the full term?
Not at all. Whether you are using a RISC or a closed-end consumer lease, you can payoff your balance at anytime and there are never any prepayment penalties.
How easy is it to apply?
Very easy! Online applications only require basic information and you can receive an approval in seconds.
How much will I be approved for?
Depending on your application details, you can be approved for offers between $300 and $5,000.
If I have bad credit, will I be declined?
Credova considers all credit types in the approval process. Keep in mind, there is no hard credit inquiry, so applying won’t affect your credit score.
How often are payments made?
Payments are required at minimum once a month on your scheduled due date.
When will my purchase be shipped to me?
For shipping timing, tracking, and terms, please review the retailer’s policies.
How much do I have to pay today?
Depending on the type of financing selected, you may be required to complete your first payment at the time of signature whereas other financing products will not require a payment for at least 30 days. If required, you will be able to complete your first payment at checkout.
What if I need to return my purchase?
If you need to make a return, reach out to the merchant you purchased from to determine their return policy.
How do I apply?
To apply, select the Credova banner, or select an Apply Now or Learn More button on the merchant website. You can also visit www.Credova.comand begin the application from the Apply Now button.
If I am approved, how long is my approval good for?
Pre-qualification approvals are good for 30 days while full approvals are good for 60 days.
Who can assist me if I am having trouble with my application?
If you have any questions about your financing or need assistance with your application, please reach out to Credova support at 833-273-3682. You can also email support at info@credova.com or visit the Credova website at www.credova.com and select the chat feature from the homepage.
Can I still payoff my contract early, even if I didn’t receive a 6 months interest free offer?*
You are able to buyout of your contract at anytime. Keep in mind, you will be responsible for either financing/leasing fees or interest if you do not have a 6 months interest free offer.
Review the Credova Privacy Policy found at www.credova.com/privacypolicy. Terms of Service can be found at www.credova.com. Review Credova disclosures and offer details within the Credova API.
*Not all offers are 6 Months Interest free. Terms and conditions dependent upon the applicants credit profile.

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