Financing your next firearm, tree stand, duck blind, or any other purchase is easy and can be done right at checkout within your shopping cart with Credova! 

Apply online 24/7 for financing approvals in just seconds and get approved with no credit impact! 

There’s no application fee, and what’s even better is you’re able to apply before you shop so that you know what you have been approved for. Or, you can apply at checkout and receive a financing offer right then. 

 

How To Finance With Credova

  • Apply in-cart after shopping and use your approval right at checkout.

  • Apply in-cart and continue shopping. When you’re ready to checkout, authenticate your approval and finalize your checkout with Credova.

  • Apply directly on www.Credova.com. Shop online and authenticate your approval during checkout. 

Benefits

  • Pay over time: Credova puts the purchasing power in your hands with an easy monthly payment plan instead of paying for entire purchase upfront. 

  • Get Approved with No Credit Impact: There are no hard inquiries 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.

  • Approval Amounts: Credova has multiple financial providers that can approve you for up to $5000 at checkout! 

  • No Hidden Fees! With Credova, there is no application fee & no pre-payment penalties! Any fees or charges are fully disclosed in your contract!  

  • Early Buyout Options: You can tailor your financing experience with the ability to payoff your contract at anytime with no pre-payment penalties!

 

Frequently Asked Questions

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?

As soon as your application is complete, we will prepare your order and get it ready to ship to your door or your local FFL dealer!

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.com and 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?

You are able to buyout of your contract at anytime.