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SHOOT FIRST PAY LATER FINANCING ORDERING PROCESS
90 DAYS INTEREST FREE
Financing 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 principle in 90 days to pay no interest.**
To apply, simply add everything you want to your cart. Begin following the checkout process. At payment method Select Payment Method CREDOVA. Click APPLY. Click NEXT. Review and Check the TERMS AND CONDITIONS BOX. Sign for your order. Enter Your Mobile Number. Click PLACE ORDER. You will then get a pop up requesting a four digit number that will be sent to the mobile number you provided. Then just follow the instructions from there.
HOW IT WORKS
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 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.
90 DAYS INTEREST FREE
Payoff your principle in 90 days and you pay no interest. 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
GENERAL:
What type of financing is offered?
Through the Credova platform, you may be approved for a retail installment sales
contract (RISCs), loan, or closed-end consumer lease agreement. Your financing
product will be determined by your state of residency, credit approval and your
merchant selection.
What are the leasing fees?
If you choose to accept a closed-end consumer lease offer, you will make a
monthly lease payment that includes a leasing fee. These fees represent the
amount charged by the lessor for allowing you to lease an item(s) 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. 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 score,
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 have a RISC or an installment loan, you can payoff your
balance at anytime and there are never any prepayment penalties. If you have a
closed-end consumer lease agreement, you can exercise your early buyout
option at any time.
APPLY:
How easy is it to apply?
Very easy! Prequalification’s only require basic information and you can receive a
decision in seconds.
How do I apply?
To prequalify, select the Credova banner, or select a Prequalify Now or Learn
More button on the merchant website. You can also visit www.credova.com and
begin the application from the Prequalify button.
How much will I be approved for?
Depending on your application details, you can be approved for offers up to
$10,000.
If I am approved, how long is my approval good for?
Your approval is good for 30 days. After 30 days, your approval will expire and
you will need to reapply.
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.
APPLICATION STATUS:
How do I find out my application status?
If you are approved, you will receive an approval email. You can always reach
out via chat or phone to check on the status of your application.
I’m prequalified, what else do I need to do?
You can resume your application at checkout, you can also give us a call and we
can send you a continue link to finish the application process. Once the
application is complete and approved you will be able to resume the order at
checkout.
My application says “Pending Approval” what else do I have to do?
If your application is in pending approval we will send you an email letting you
know you are conditionally approved you can give us a call at 833-273-3682 so
we can go over more details.
Why was I declined?
Credova does not approve every application. Eligibility is decided based on
factors such as overall credit, accounts in collections, past purchase history, debt
obligations, and more. If your application was declined you may still be eligible at
a later date. Each loan application is considered separately and checking your
eligibility doesn’t harm your credit score! If you have questions about your
application, please email us at info@credova.com.
PAYMENTS:
How do I make a payment?
Normally monthly payments are automatically processed through the account
provided during the application. Additional payments or online account
management can be made through the website at my.credova.com. For
payments over the phone or changes to your autopay please reach out to our
billing agency at 877-399-6374 they are open Monday-Friday from 8am-4pm
PST.
How often are payments made?
This depends on the type of financing you have selected. Your final payment
scheduled will be included in your agreement.
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. You will be informed of any payments
due before you agree to financing. If required, you will be able to complete your
first payment at checkout.
Can I still payoff my contract early?
Yes. If you have a RISC or an installment loan, you can pay off your balance at
any time. If you have a closed-end consumer lease agreement, you can exercise
your early buyout option at any time. Either way there are no prepayment
penalties.
I can’t reach anyone to make a payment, what do I do?
You can log into the website my.credova.com to make additional payments.
RETURNS & SHIPMENT:
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. Please see your agreement for more information
about returns and your financing.
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.
When will my purchase be shipped to me?
For shipping timing, tracking, and terms, please review the retailer’s policies.
CHECKOUT:
How do I use my approval?
To use your financing, you will need to fill your cart with the items you wish to
purchase, and upon check out select Credova Financing as your payment
method. You may get prompted to verify your phone number again, just so that
the system can link your approval to your profile. Make sure you stay through the
entire check out order confirmation process and that you signed all financial
documents.
I can’t checkout, what do I do?
Please give us a call at 833-273-3682 so we can try to troubleshoot the issue
from our side.
I don’t want to use my approval, what do I do?
Applications will automatically expire within 30 days. If you choose not to use
your approval it will expire on its own.
For complete Credova disclaimers and disclosures, please visit
** Disclaimer: Not all offers are 90 Days interest free. Terms and conditions dependent upon the applicants credit profile. **