Move over buy now pay later providers; there’s a new BNPL payment method in town for adventure seekers. And it’s called Credova.
The like-minded individuals at Credova believe that outdoor activities such as fishing, hiking, skiing, shooting and hunting create unforgettable bonds between friends and family. They want nothing more than to help Americans experience this joy- which is why they offer equipment financing. This way, anyone can partake in these great adventures without having to break the bank all at once.
What is Credova?
Credova is a buy now pay later service that allows customers to make purchases and then pay for them over time. Customers can choose to make payments monthly, bi-weekly, or weekly. There is no interest or fees associated with using Credova, making it a great option for those who want to make a large purchase but don’t want to pay all at once.
How does Credova work?
Shoppers can apply for financing through Credova’s website or mobile app. Once approved, shoppers can use Credova to finance their purchases at participating retailers. Credova pays the retailer upfront, and shoppers will then pay 4 (four) payments with no interest every two weeks (also known at “Pay in 4”).
Credova has partnered with multiple merchants to provide you financing through an unsecured retail installment sales contract (RISCs) or closed-end consumer lease agreement that are originated by the merchant. Your particular financing product will be based on your state of residency, credit approval and your selection.
What are the benefits of using Credova?
Credova can help shoppers save money on interest and fees, and can provide an easier way to finance large purchases up to $5,000. They also help shoppers build their credit history, as payments are reported to major credit bureaus.
How can I get started with Credova?
You can apply for financing through Credova’s website or mobile app. Once approved, you can use Credova to finance your purchases at participating retailers. They pays the retailer upfront, and you can then make monthly payments. You can also visit their website to learn more about how buy now, pay later financing works.
What stores accept Credova at checkout?
Using Credova to buy now pay later is easy if you are considering a big purchase such as a new rifle or laser rangefinder. Below is a list of stores that offer an option to pay with Credova at checkout to buy now, pay later by making payments so you can finance your dream adventure or purchase.
List of Credova Stores
The bolded firearms stores are merchants that we personally recommend.
- 11 Tactical
- American Sportsman
- Ammunition Depot
- Bellm T/Cs
- Bereli – Ammo, Guns & Gear
- Big Tex Ordnance
- Blue Line Industries
- Blue Sky Puppies
- Broadheads and Bullets
- Brock’s Big Outdoors
- Brothers LA Arms
- Brownells – Firearms
- Buds Guns Shop
- Cedar Pet Supply
- Buds Gun Shop
- Century Dynamics
- Charlie’s Custom Clones
- Classic Firearms
- Click Click Boom
- Daniel Defense
- EuroOptic – Rifles, Scopes, Laser Rangefinders & More
- Gun Buyer
- Guns.com– Guns
- Impact Guns – Guns, Ammo & Accessories
- Primary Arms
- Rainier Arms
- Range USA
- U.S. Optics
- WMD Guns – Performance Firearms
- ZRO Delta
Credova also offers a virtual Visa card that is available to use instore and online.
What equipment can you finance with Credova?
You can finance any item that any of the above stores sell with Credova. The main items that the above stores sell are firearms, but other stores sell hiking and camping gear, equipment for hunting and fishing, bicycles, farm and ranch equipment, water sport equipment such as kayaks, fitness equipment, motor sports, home goods and even pets!
Buy Firearms Now, Pay Later
Credova is one of the few (if not only) buy now pay later payment processors that offers financing for firearms and ammunition purchases. Now you can buy the guns or ammo you want now, and pay for it over time by making payments. That includes financing handguns, muskets, pistols, revolvers, rifles, shotguns, and weapons.
Now that you know a little more about Credova, you may still have some questions. Here are some of the most frequently asked questions about Credova to help you make a decision about whether or not it’s right for you.
To be eligible for Credova financing, you must be at least 18 years old and a legal resident of the United States with a valid social security number. You will also need to have a verifiable source of income and an active checking account.
The amount you can borrow will depend on a number of factors, including your income and credit history. Most are approved for offers up to $5,000.
Credova considers all forms of credit in the decision process. Keep in mind that there isn’t a hard credit inquiry, so applying won’t damage your credit score.
At checkout, select the Credova banner or button on a merchant website to prequalify. You can also visit their website and begin the application process by selecting the “Prequalify” button.
It’s a quick and easy application! Basic information is all that’s needed to prequalify, and you’ll have a decision in no time.
Your approval is valid for 30 days.
How do I contact Credova customer service?
You can call 833-273-3682 or email firstname.lastname@example.org for customer support. Customer service is available daily 6 am – 6 pm Pacific Standard Time. Real humans based in the United States will actually help you there.
So there you have it. You can buy guns now and pay later. Not sure how I feel about this, but I’m just the messenger doing the reporting. And you still are buying them legally, so there’s that.