Financing your next purchase from Brownells is easy and can be done right at checkout. Credova offers multiple financing options with one application, helping you find a payment option that best fits into your budget.
Credova has the ability to approve customers looking for the option of small monthly payments instead of paying for the entire purchase up front. You’re never locked into the full term and have the option to buyout anytime, pay off your principal in 90 days to pay no interest* (depending on your offer details), or spread your payments out for the full length of your contract.
There’s no application fee and what’s even better is you’re able to apply before you shop to know what you have been approved for.
3 Months Interest Free Pay off your principal in 90 days and you pay no interest. You can also spread your payments over the term provided in your offer. Approval for the 90-day interest free promotional offer is dependent upon your credit profile.
- Pay over time. Credova puts the purchasing power in your hands with an easy monthly payment plan instead of paying for entire purchase upfront.
- Get Approved with No Credit Impact. There are no hard credit inquiries so you can get improved with no impact to your credit score.
- Approval Amounts. Credova has multiple financial providers that can approve you for up to $5000 at checkout!
- 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 buy out of your contract at any time with no pre-payment penalties!
Customer Support. Credova has dedicated support available for any questions or assistance you may need during normal business hours of 6AM to 6PM PST.
It’s simple. Pay off your principle 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 3 months = 90 days. Keep in mind, not all offers are 3 months interest free.
Not all financing approvals are 3 months interest free. If you are approved for a 3 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 3 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 3 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 3 months interest free option.
You can buyout of your contract at any time. If you’d like to payoff your contract early, but it’s past the 3 months promotional period, then you’ll pay interest up until the point you payoff 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.
Credova Financing is not available to New York residents or International customers residing outside the United States
Financing is not available on products that are on backorder, preorder, or special order status. Oversized items that must be shipped via LTL carrier and Suppressors are also ineligible
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 between $300 and $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.
Pre-qualification approvals are good for 30 days while full approvals are good for 60 days.
You are able to buyout of your contract at anytime. Keep in mind, you will be responsible for either financing/leasing fees or interest if you do not have a 3 months interest free offer.