Frequently Asked Questions

It’s simple. Pay off your principal within the 3-month 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. Credova counts one month as 30 days, so three months = 90 days. Keep in mind not all offers are three months interest-free.

Not all financing approvals are three months interest free. If you are approved for a three months interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a three months 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 three-month promotional 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. Keep in mind not all offers include the three months interest-free option.

You can buyout of your contract at any time. If you’d like to pay off your contract early, but it’s past the three months promotional period, then you’ll pay interest up until the point you pay off the remainder of your principal. You will not be responsible for future months’ interest charges after your buyout.

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 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 the 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! Click the financing logo on any product page to learn your pre-approval amount, or simply apply at checkout.

Depending on your application details, you can be approved for offers between $300 and $5,000.

Credova considers all credit types in the approval process. Keep in mind, there is no hard credit inquiry.

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

For shipping timing, tracking, and terms, please review our shipping policy.

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 reference our return policy.

To apply, click the financing logo on any product page to learn your pre-approval amount, or simply apply at checkout.