Buy Now Pay Later

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.

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.

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.

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.

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.

Very easy! Online applications only require basic information and you can receive an approval in seconds.

Depending on your application details, you can be approved for offers up to $5,000.

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.

Payments are required at minimum once a month on your scheduled due date.

For shipping timing, tracking, and terms, please review the retailer’s policies.

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

If you need to make a return, reach out to the merchant you purchased from to determine their return policy.

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.

Pre-qualification approvals are good for 30 days while full approvals are good for 60 days.

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.

You are able to buyout of your contract at anytime.