You can apply from any online device and be approved in seconds. Then, you review the agreement and finish checking out.
Select the Credova payment option on any of the shotgun product pages or at checkout to get pre-approved.
Chose the financing option that you prefer and review the terms and conditions of the agreement.
Finalize the loan agreement and complete the purchase transaction in our shopping cart. The firearm will ship to your FFL.
It’s simple. Pay of your principal within the 90-day promotional period and you pay no interest. Keep in mind, you must make your regular payments on time, because if you miss a payment or are late, you no longer qualify for the promotion.
Not all approvals are 90 day interest free. If you are approved for a 90 day interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a 90 day interest free offer, please feel free to reach out to Credova support to discuss.
If you’re unable to pay of your contract within the 90 day 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.
You can buy out of your contract at any time. If you’d like to pay off your contract early, but it’s past the 90 days of promotional financing, then you’ll pay interest up until the point at which you pay off the remainder of your principal. You will not be responsible for future months interest charges after your buyout.
Credova is partnered with a network of financing options that offer retail installment sales contracts (RISCs) and/or closed-end consumer lease agreements.
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 items from a lessor and have the option to purchase the item during the course of the lease.
If you choose to finance with a company ofering a closed-end consumer lease, 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 offers carefully prior to completing your agreement.
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). With a RISC, the system considers more than just your credit and your interest rate will vary based on the information provided. Please review your offers carefully prior to completing your agreement.
Not at all. Whether you are using a RISC or closed-end consumer lease, you can pay off your balance at anytime and there are never any prepayment penalties!
Very easy! Online applications only require basic information and you can receive an approval in seconds.
Depending on your application details, we can approve you between $300 and $5,000.
Even if you have bad credit, that’s ok. Credova considers all credit types in the approval process and some financing providers accept bad credit, it entirely depends on the financing provider. Keep in mind, there is no hard credit inquiry, so applying won’t affect your credit.
Payments are required at minimum once a month on your scheduled due date.
Please keep in mind, any firearm purchase must be shipped to your local FFL dealer rather than your home address. For shipping, timing and tracking, please review the retailer’s policies.
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.
Yes, you can finance a firearm out of state. Certain restrictions may apply. Please be aware, all purchases must be picked up from your local FFL dealer.
If you need to make a return, please reach out to the merchant you purchased from to determine their return policy.
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 select the Apply Now button in the top right corner. Select your preferred retailer during the application process.
Pre-qualification approvals are good for 30 days while full approvals are good for 60 days.
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.