Shop, apply and pay over time

With Credova’s easy to use buy now, pay later payment option, you know your terms up front and can shop for what you want, when you want and then pay over time.


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Pay over time: Credova puts the purchasing power in your hands with an easy monthly payment plan instead of paying for the entire purchase upfront.
Get Approved with No Credit Impact: Shop with confidence. You can receive pre-qualifications from multiple providers quickly without affecting your credit score.
Approval Amounts: Credova has multiple financial providers that can approve you for up to $5,000 at checkout!
No Hidden Fees! There is no application fee & no pre-payment penalties! Any fees or charges are fully disclosed in your contract!
Multiple Lender Offers: With a single online application you can receive multiple financing offers letting you choose the offer that best fits your budget.
Early Buyout Options: You can tailor your financing experience with the ability to buyout of your contract at anytime with no pre-payment penalties!


All information provided below from
It’s simple, pay off your principal within the 90-day 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.
Not all financing approvals are 90 days interest free. If you are approved for a 90 day interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a 90 day interest free offer, please feel free to reach out to credova support to discuss.
If you’re unable to pay off your contract within the 90 day 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.
You can buyout of your contract at any time. If you’d like to payoff your contract early, but it’s past the 90 days of promotional financing, then you’ll pay interest up until the point at which you payoff the remainder of your principal. You will not be responsible for future months interest charges after your buyout.
Very easy! Online applications only require basic information and you can receive an approval in seconds.
Depending on your application details, we can approve you between $300 and $5,000
Even if you have bad credit, that’s ok. Credova considers all credit types in the approval process and some financing providers accept bad credit, it entirely depends on the financing provider. Keep in mind, there is no hard credit inquiry, so applying won’t affect your credit.
Credova is partnered with a network of financing options that offer retail installment sales contracts (riscs) and/or closed-end consumer lease agreements.
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 finance with a company offering a closed-end consumer lease, 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). With a risc, the system considers more than just your credit and your interest rate will vary based on the information provided. Please review your offer/s carefully prior to completing your agreement.
Not at all. Whether you are using a risc or closed-end consumer lease, you can payoff your balance at anytime and there are never any prepayment penalties!
  • Open/active checking or savings account
  • Government issue photo id
  • Email address
  • Social security number
  • Income/employment information
  • Phone number and address
Payments are made on a monthly basis.
For shipping timing and tracking, 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, please reach out to the retailer you purchased from to determine their return policy.
To apply, select the credova banner or select a prequalify or learn more button on the retailers website. You can also visit and select the prequalify button in the top right corner. Select your preferred retailer during the application process.
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 or visit the Credova website at and select the chat feature from the homepage.
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