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Buy Now Pay Later with Credova
Great news! We’ve partnered with Credova to offer you a better financing option. With Credova you can pay over time for the products you want now. Apply today with no impact to your credit!Pay in 4
4 payments, no interest for purchases between $150 to $1000.* *For complete Credova disclaimers and disclosures, please visit www.credova.com/disclaimers.Monthly Payments
$0 Down. Easy installments up to 60 months and approvals up to $10,000.* *For complete Credova disclaimers and disclosures, please visit www.credova.com/disclaimers.How It Works
Step 1
Fill your cart and select Credova as your payment method at checkout.
Step 2
Get approved without affecting your credit score.
Step 3
Choose your payment plan and complete your purchase.
Frequently Asked Questions
General
What type of financing is offered?
Through the Credova platform, you may be approved for a retail installment sales contract (RISCs), or loan. Your financing product will be determined by your state of residency, credit approval and your merchant selection.
What is the interest rate?
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.
Am I locked into financing for the full term?
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.
Apply
How easy is it to apply?
Very easy! Prequalifications only require basic information and you can receive a decision in seconds.
How do I apply?
To apply, select Credova as your payment method at checkout.
How much will I be approved for?
Depending on your application details, you can be approved for offers up to $10,000.
If I am approved, how long is my approval good for?
Your approval is good for 30 days. After 30 days, your approval will expire and you will need to reapply.
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.
Application Status
How do I find out my application status?
If you are approved, you will receive an approval email. You can always reach out via chat or phone to check on the status of your application.
I’m prequalified, what else do I need to do?
You can resume your application at checkout, or you can also give us a call and we can send you a continue link to finish the application process. Once the application is complete and approved, you will be able to resume the order at checkout.
My application says “Pending Approval” what else do I have to do?
If your application is in “pending approval”, we will send you an email letting you know you are conditionally approved. You can give us a call at (833)-273-3682, so we can go over more details.
Why was I declined?
Credova does not approve every application. Eligibility is decided based on factors such as overall credit, accounts in collections, past purchase history, debt obligations, and more. If your application was declined you may still be eligible at a later date. Each loan application is considered separately, and checking your eligibility doesn’t harm your credit score! If you have questions about your application, please email us at info@credova.com.
Pay in 4
What is Pay in 4?
Credova offers split payments with no interest. Shoppers can pay for purchases from $150 to $1000 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.
How can I pay with Pay in 4?
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.
Checkout
How do I use my approval?
To use your financing, you will need to fill your cart with the items you wish to purchase, and upon check out select Credova Financing as your payment method. You may get prompted to verify your phone number again, just so that the system can link your approval to your profile. Make sure you stay through the entire check out order confirmation process and that you signed all financial documents.
I can’t checkout, what do I do?
Please give us a call at 833-273-3682 so we can try to troubleshoot the issue from our side.
I don’t want to use my approval, what do I do?
Applications will automatically expire within 30 days. If you choose not to use your approval it will expire on its own.
Payments
How do I make a payment?
Normally, monthly payments are automatically processed through the account provided during the application with a debit card or a bank account. Additional payments or online account management can be made through the website at my.credova.com or through the Credova app. For payments over the phone or changes to your autopay, please reach out to our billing agency at (877)-399-6374. They are open Monday-Friday from 8am-4pm PST.
How often are payments made?
This depends on the type of financing you have selected. Your final payment schedule will be included in your agreement.
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. 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.
I can’t reach anyone to make a payment, what do I do?
You can log into the website my.credova.com to make additional payments.
Returns & Shipment
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. Please see your agreement for more information about returns and your financing.
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.
When will my purchase be shipped to me?
For shipping timing, tracking, and terms, please review the retailer’s policies.