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Firearm Financing FAQ

Firearm Financing FAQ

How does 3 months interest free financing work?*

It’s simple. Pay off your principle within the 3 month promotional period and you pay no interest. Keep in mind, you must make your regular monthly payments on time because if you miss a payment or are late, you no longer qualify for the promotion. Credova counts one month as 30 days, so 3 months = 90 days. Keep in mind, not all offers are 3 months interest free.

Are all financing approvals 3 months interest free?*

Not all financing approvals are 3 months interest free. If you are approved for a 3 months interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a 3 months interest free offer, please feel free to reach out to Credova support to discuss.

What if I don’t pay off my balance in 3 months?*

If you’re unable to pay off your contract within the 3 month promotional 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. Keep in mind, not all offers include the 3 months interest free option.

Can I still payoff my contract early, even if it’s past the 3 month promotional period?*

You can buyout of your contract at any time. If you’d like to payoff your contract early, but it’s past the 3 months promotional period, then you’ll pay interest up until the point you payoff the remainder of your principal. You will not be responsible for future months interest charges after your buyout. 

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.

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.

How do I apply?

Go to the Finance Page, and click Get Approved 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 833-273-3382. You can also email support at [email protected] or visit the Credova website at www.credova.com and select the chat feature from the homepage.  

Can I still payoff my contract early, even if I didn’t receive a 3 months interest free offer?*

You are able to buyout of your contract at anytime. Keep in mind, you will be responsible for either financing/leasing fees or interest if you do not have a 3 months interest free offer. 

How often are payments made?

Payments are made on a monthly basis.

When will my purchase be shipped to me?

Please keep in mind, if you order a  firearm it must be shipped to your local FFL dealer rather than your home address. For shipping timing and tracking, please review the shipping 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.

Can I finance a firearm if I am out of state?

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.

How do I make my monthly payments?

In many cases, all you need to send us is proof of employment like a pay stub and a photo I.D or drivers license. This requires you to email or fax us that information.

Are there processing fees for finance orders?

Yes. Orders less than $300 will attract a processing fee of $25. However, there are NO processing fees for orders above $300.

How long does it take to get my firearm approved?

Once we receive your application we will contact you within 24-48 business hours.

Do you fund purchases outside of the lower 48 United States?

Currently, we only work with customers and dealers located within the lower 48 states.

Do I need to re-apply every time I want to finance a firearm?

We will work with you to make additional purchases as easy as possible. The credit line is revolving.

What if I miss a payment?

Our customer service agents will work with you to keep your account in good standing. Fees for missed payments may be charged.

Can I prepay the financing?

Absolutely, we allow borrowers to prepay at any time without penalty.

I do not live close to the retailer. Can I finance a firearm?

Yes. Please submit an online application below. If approved, email us with the firearm you would like. Please include the retailer’s price in the application. If approved, our retail partners will ship the firearm to you.