Credova Financing FAQs

QUESTION: What is Credova?
ANSWER: Credova is an internet-based platform that allows you to shop now and pay over time. They partner with merchants and other partners to offer flexible financing options, connecting you to financing options that may fit your budget.

QUESTION: How does Credova work?
ANSWER: When shopping online at Ammunition Depot, simply choose Credova at checkout. You’ll be guided through a quick application process and, if approved, you can select from any of the qualifying financing terms that fits your budget.

QUESTION: Will applying affect my credit score?
ANSWER: When you apply through Credova, only a soft credit check is performed. This has no impact on your credit score, so you can explore financing options with confidence.

QUESTION: What is the minimum credit score requirement?
ANSWER: There’s no set minimum! Credit requirements vary by lender and financing options. The best way to see your options is to prequalify or apply – it won’t affect your credit score.

QUESTION: How much can I be approved for?
ANSWER: Based on your application details and what each merchant has chosen to offer, you may qualify for financing offers ranging from $150 to $5,000. Some select merchants may offer financing offers up to $10,000 in limited circumstance.

Available financing products are determined by a number of factors, which include but are not limited to your state of residency, credit profile, the credit policies for each lender, and the products your merchant has chosen to offer.

QUESTION: Who can assist me if I am having trouble with my application?
ANSWER: 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 [email protected] or visit the Credova website at www.credova.com and select the chat feature from the homepage.

QUESTION: How do I find out my application status?
ANSWER: If your application is approved, we'll send you an approval email. Sometimes these emails can sneak into your spam or junk folder, so be sure to check there just in case. If you haven't received an email or just want to check in on your status, we've got you covered.

QUESTION: What if I need to return my item?
ANSWER: All returns must follow the return policy of the merchant you purchased from. If you need to initiate a return, please contact Ammunition Depot directly to review their specific return process and eligibility requirements. If the Ammunition Depot approves your return, they will notify us, and we will proceed with canceling your contract accordingly. For details on how a return may affect your financing, refer to your agreement.

QUESTION: How does 90 day interest free financing work?*
ANSWER: It's simple. Pay off your principle balance within the 90 day promotional period and you pay no interest. Keep in mind, you must make you relular monthly payments on time because if you miss a payment , have a payment returned, or are late, you no longer qualify for the promotion.

You also will no longer qualify if you fail to fulfill any other obligation under your agreement. Keep in mind, the 90 day interest free offer only applies to retail installment sales contract (RISCs) and installment loans, but not all offers have a 90 day interest free offer.

QUESTION: Do all financing approvals have a 90 day interest free offer?*
ANSWER: Not all financing approvals have a 90 day interest free offer. The 90 day interest free option is only available on certain RISCs and installment loans. If you are approved for a 90 day interest free offer, your approval page and agreement will clearly indicate the offer.

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.

QUESTION: What if I don't pay my balance in 90 days?*
ANSWER: If you're unable to pay off your contract within the 90 day 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 accrued interest. Keep in mind, not all offers include the 90 day interest free offer.

QUESTION: Can I still payoff my contract early, even if it's past the 90 day promotional period?*
ANSWER: Yes. You can always payoff your RISC or installment loan at any time. If you'd like to payoff your contract early, but it's past the 90 day promotional period, then you'll pay interest up until the point you payoff your contract.

QUESTION: How long is my approval good for?
ANSWER: Your approval is good for 30 days! There's no pressure to use it-but after 30 days, the approval will automatically expire. If that happens, no worries-you can always reapply whenever you're ready!

QUESTION: How do I use my approval?
ANSWER: To use your approval, add the items you want to your cart and go to checkout. Select Credova Financing as your payment method. You might be asked to verify your phone number again-this helps link your approval to your account. Then just follow the prompts to complete your purchase.

QUESTION: How can I cancel my account?
ANSWER: To cancel your contract, you must first contact the retailer where you made your purchase. Credova provides the financing but does not handle returns or cancellations directly. We follow the retailer's return policy.

If the retailer approves your return, they will notify us, and we will proceed with canceling your contract accordingly. If you are having difficulty with your contract, please contact us by phone (833-273-3682) or email ([email protected]).

Payment options through Credova are provided by merchants and other financial institutions. Not available in all 50 states. Rate and information provided are subject to underwriting guidelines and applicant's creditworthiness as established by their credit profile. THIS IS A LOAN SOLICITATION ONLY. CREDOVA FINANCIAL, LLC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. Credova Financial, LLC NMLC ID 1818530.