We offer financing through our partner, Credova. They make it super easy to buy now and pay over time. You can get approved with no credit impact. You're never locked in to the full term with the ability to buyout anytime, payoff your principal in 90 days to pay no interest, and even build your credit with on-time monthly payments.
How it Works
How Does 90 Day Interest Free Financing Work?
It's simple. Pay off your principle within the 90 day 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.
How Do I Apply?
To apply, click the Credova banner on one of the product pages, or APPLY HERE. You can also visit www.credova.com and select the "apply now" button in the top right corner. Select your preferred retailer during the application process.
Are All Financing Approvals 90 Day Interest Free?
Not all financing approvals are 90 days interest free. If you are approved for a 90 day interest free offer, your approval page will clearly indicate as such. 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 Cordova support to discuss.
What if I don't Pay Off My Balance In 90 Days?
If you're unable to pay off your contract within the 90 day 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.
Can I Still Payoff My Contract Early, Even If It's Past 90 Days?
You can buy out of your contract at anytime. If you would like to pay off your contract early, but it's past the 90 days of promotional financing, then you'll pay interest up until the point at which you pay off the remainder of your principle. You will not be responsible for future months interest charges after your buyout.
What Type of Financing is Offered?
Credova is partnered with a network of financing options that offer retail installment sales contracts (RISC) and/or closed-end consumer lease agreements.
What is the Difference Between a RISC and a Closed End Consumer Lease Agreement?
With a RISC, you are purchasing the term 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 items from a lessor and have the option to purchase the item during the course of the lease.
What are the Lease Fees?
If you choose to finance with a company offering a closed-end consumer lease, 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 offers carefully prior to completing your agreement.
What is the Interest Rate?
The interest rate is the amount charged, as a percentage of principle, by a retailer to a consumer 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). With a RISC, the system considers more than just your credit and your interest rate will vary based on the information provided. Please review your offers carefully prior to completing your agreement.
Am I Locked Into Financing for the Full Term?
Not at all. Whether you are using a RISC or closed-end consumer lease, you can pay off your balance at anytime and there are never any prepayment penalties!
What Information Do I Need to Apply?
Very easy! Online applications only require basic information and you can receive an approval in seconds!
How Much Will I Be Approved For?
Depending on your application details, we can approve you between $300 and $5000.
If I Have Bad Credit, Will I Be Declined?
Even if you have bad credit, that's OK. Credova considers all credit types in the approval process and some financing providers accept bad credit, it entirely depends on the financing provider. Keep in mind there is no hard credit inquiry, so applying won't affect your credit.
How Often Are Payments Made?
Payments are required at minimum once a month on your scheduled due date.
When Will My Purchase Be Shipped to Me?
Please keep in mind any firearm purchase must be shipped to your local FFL dealer rather than your home address. For shipping timing and tracking, please refer to the FAQ page and the email you received from McCutchen Firearms.
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 the time of signature whereas other financing products will not require a payment before at least 30 days. If required, you will be able to complete your first payment at checkout.
Can I Finance a Firearm If I Am In A Different State Than The Seller?
Yes, you can finance a firearm out of state. Certain restrictions may apply. Please be aware, all purchases must be picked up from your local FFL dealer.
What If I Need To Return My Purchase?
If you need to make a return, please refer to the McCutchen Firearms Return Policy.
If I Am Approved, How Long Is My Approval
Prequalification approvals are good for 30 days while full approvals are good for 60 days.
If I Am Having Trouble With My Application, Who Can I Go To For Help?
If you have any questions about your financing or need assistance with your application, please reach out to Cordova support at 833-273-3682. You can also email support at firstname.lastname@example.org or visit the Credova website at www.credova.com and select the chat feature from the home page.