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.

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.

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.

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.

Credova offers split payments with no interest. Shoppers can pay for purchases from $200 to $600 in 4 payments, with no interest. The shoppers first payment is due at purchase, and one payment every two weeks is collected for a total of 4 payments over six weeks.

You can use Pay in 4 for purchases totaling $200 to $600, but depending on your application details, you may be approved for non-Pay in 4 offers up to $5000. Credova offers additional financing options on purchases up to $10,000, with terms between 12-60 months, through select merchants.

Very easy! Prequalification’s only require basic information and you can receive a decision in seconds.

You can choose Credova at checkout on all eligible transactions. Pay in 4 will be listed as an available payment plan during your application process if you qualify. Not all offers are Pay in 4.

Depending on your application details, you can be approved for offers up to $10,000.

Your approval is good for 30 days. After 30 days, your approval will expire and you will need to reapply.

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.

This depends on the type of financing you have selected. Your final payment schedule will be included in your agreement.

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.

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.

Credova has dedicated support available for any questions or assistance you may need during normal business hours of 3AM to 3PM PST. Call 833-273-3382 or email [email protected]

*Approvals for 3 months interest free offers are dependent upon the applicant’s credit profile. Not all offers are 3 month interest free. Credova counts one month as 30 days, so 3 months = 90 days. Please review your offer details closely prior to completing your purchase.