Pay in 4

4 payments, no interest for purchases between $150 to $1,000.*

Monthly Payments

$0 down. Easy installments up to 60 months and approvals up to $10,000.*

What type of financing is offered?

Through the Credova platform, you may be approved for a retail installment sales contract (RISC) or loan. Your financing product will be determined by your state of residency, credit approval, and merchant selection.

What is the interest rate?

The interest rate varies based on the information you provide. The system considers more than just your credit score. Please review your offer(s) carefully prior to completing your agreement.

Am I locked into financing for the full term?

Not at all. You can pay off your balance at any time and there are never any prepayment penalties.

How easy is it to apply?

Very easy! Prequalifications only require basic information and you can receive a decision in seconds.

How do I apply?

To apply, select Credova as your payment method at checkout.

How much can I be approved for?

Depending on your application details, you can be approved for offers up to $10,000.

How long is my approval good for?

Your approval is good for 30 days. After 30 days, your approval will expire and you will need to reapply.

Will applying affect my credit score?

No. Credova considers all credit types in the approval process, and there is no hard credit inquiry, so applying won't affect your credit score.

What is Pay in 4?

Credova offers split payments with no interest for purchases from $150 to $1,000. Your first payment is due at purchase, then one payment every two weeks for a total of 4 payments over six weeks.

How can I pay with Pay in 4?

Choose Credova at checkout on all eligible transactions. Pay in 4 will be listed as an available payment plan during your application process if you qualify.

How do I make a payment?

Monthly payments are automatically processed through the account provided during your application. Additional payments or online account management can be made at my.credova.com or through the Credova app.

How much do I have to pay today?

Depending on the type of financing selected, you may be required to complete your first payment at checkout. Other financing products will not require a payment for at least 30 days. You will be informed of any payments due before you agree to financing.

What if I need to return my purchase?

Please review our return policy for details. See your financing agreement for more information about returns and your financing.

Who can help if I have questions about my financing?

For questions about your financing or application, contact Credova support at (833) 273-3682, email [email protected], or visit www.credova.com and use the chat feature.