Firearm Financing
Finance your purchase with Credova and pay over time. Checking your options is only a soft credit check — no hard credit hit — and you get a decision right at checkout. Prefer to split it in two? See our 50% Down payment plan.
Credova — Buy Now, Pay Later
- Checking your options won’t hurt your credit. Applying through Credova is only a soft credit check — no hard credit hit to see what you qualify for.
- Buy now and pay over time, subject to approval.
- Get a decision at checkout.
- Your firearm can ship before the balance is fully paid.
Apply with Credova
How to Finance with Credova
Add your items to the cart and go to checkout, then select Credova Financing as your payment method. You’ll be guided through a quick application and, if approved, can choose from the qualifying terms that fit your budget. You may be asked to verify your phone number to link your approval to your account.
Credova FAQ
What is Credova?
Credova is an internet-based platform that lets you shop now and pay over time. They partner with merchants and lenders to connect you with flexible financing options that may fit your budget.
How does Credova work?
Choose Credova at checkout and you’ll be guided through a quick application. If approved, you can select from any of the qualifying financing terms that fit your budget.
Will applying affect my credit score?
When you apply through Credova, only a soft credit check is performed. It has no impact on your credit score, so you can explore options with confidence.
What is the minimum credit score requirement?
There’s no set minimum. Requirements vary by lender and financing option. The best way to see your options is to prequalify or apply — it won’t affect your credit score.
How much can I be approved for?
Depending on your application and what the merchant offers, you may qualify for financing from $150 to $5,000, and in limited cases up to $10,000. Available products depend on factors including your state of residency, credit profile, each lender’s policies, and what the merchant has chosen to offer.
Who can help if I have trouble with my application?
Contact Credova support at 833-273-3682, email info@credova.com, or visit www.credova.com and use the chat feature on the homepage.
How do I find out my application status?
If approved, Credova emails you an approval (check your spam/junk folder just in case). If you haven’t received an email or want to check in, use the chat feature on the Credova homepage or call (833) 273-3682.
What if I need to return my item?
All returns follow the merchant’s return policy — contact the merchant directly. If the retailer approves your return, they notify Credova and your contract is cancelled accordingly. For how a return affects your financing, refer to your agreement.
How does 90-day interest-free financing work?*
Pay off your principal balance within the 90-day promotional period and you pay no interest. You must make your regular monthly payments on time — if you miss a payment, have one returned, or are late (or fail any other obligation under your agreement), you no longer qualify for the promotion. The 90-day interest-free offer applies only to retail installment sales contracts (RISCs) and installment loans, and not all offers include it.
Do all financing approvals have a 90-day interest-free offer?*
No. It’s only available on certain RISCs and installment loans. If you’re approved for it, your approval page and agreement will clearly indicate the offer. Questions? Reach out to Credova Support.
What if I don’t pay my balance in 90 days?*
If you don’t pay off your contract within the promotional period, you’re responsible for the full terms and conditions of your contract, including all accrued interest. Not all offers include the 90-day interest-free offer.
Can I pay off my contract early, even past the 90-day period?*
Yes. You can pay off your RISC or installment loan at any time. If you pay off early but past the 90-day promotional period, you’ll pay interest up until the point you pay off the contract.
How long is my approval good for?
Your approval is good for 30 days. There’s no pressure to use it, but after 30 days it automatically expires — you can always reapply whenever you’re ready.
How do I use my approval?
Add your items to the cart and go to checkout, then select Credova Financing as your payment method. You may be asked to verify your phone number again to link your approval to your account, then follow the prompts to complete your purchase.
How can I cancel my account?
To cancel your contract, first contact the retailer where you made your purchase. Credova provides the financing but doesn’t handle returns or cancellations directly — they follow the retailer’s return policy. If having difficulty, contact Credova at (833) 273-3682 or info@credova.com.
* 90-day interest-free promotional offers apply only to certain retail installment sales contracts (RISCs) and installment loans. Not all approvals include this offer — your approval page and agreement will indicate whether yours does.
Prefer to Pay In-House?
Our 50% Down Plan lets you pay half up front with the balance charged after 14 days — no application needed. See full details and terms on our Payment Options page.
Payment options through Credova may be provided by merchants, financial institutions, or Credova Financial, LLC. Not all financing products are available in all 50 states. To learn more, visit www.credova.com/legal/availability-and-restrictions. Rate and information provided are subject to underwriting guidelines and applicant’s creditworthiness as established by their credit profile. THIS IS A LOAN SOLICITATION ONLY. DEPENDING ON YOUR STATE OF RESIDENCE AND OTHER FACTORS, CREDOVA FINANCIAL, LLC MAY NOT BE THE LENDER. INFORMATION RECEIVED MAY BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. Credova Financial, LLC, NMLS ID 1818530. NMLS Consumer Access.
