Financing Information

Why pay for the full purchase upfront when you can have smaller monthlypayments? Better yet, get approved with no credit impact. You’re never locked infull term with the ability to buyout anytime, or spread your payments out overthe full length of your contract so you can Buy Now and Pay Later!

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

Get Approved With No Credit Impact
There are no hard inquiries so you can get approved with no impact to your creditscore.

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 available 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

Frequently asked questions

Why pay for the full purchase upfront when you can have smaller monthlypayments? Better yet, get approved with no credit impact. You’re never locked infull term with the ability to buyout anytime, or spread your payments out overthe full length of your contract so you can Buy Now and Pay Later!

What type of financing is offered?
Credova is partnered with a network of financing options that offer retailinstallment sales contracts (RISCs) and/or closed-end consumer lease agreements.

What is the different between a RISC and a Closed-End Consumer LeaseAgreement?
With a RISC, you are purchasing the item and agreeing to make installmentpayments over a specific term plus any associated interest rate. A closed-endconsumer lease agreement doesn’t have an interest rate, but rather chargesmonthly leasing fees. With a closed-end consumer lease, you are leasing theitem/s from a lessor and have the option to purchase the item during the courseof 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 canpayoff 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.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 for60 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 pay off my contract early?
You are able to buyout of your contract at anytime.

Have more questions? Ask us!
Call 833-273-3682 | Email info@credova.com | Visit www.credova.com

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Review Credova disclosures and offer details within the Credova API.* Terms and conditions dependent upon the applicants credit profile.