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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
  • Simply add the items you want to purchase to your cart and proceed to checkout. There, it will display your total cost so you know what you need to apply for.
  • Click on one of the banner ads or APPLY HERE .
  • Fill out the prequalification application and once approved you will be presented with 1 or more financing options.
  • Select the financing option you want and continue to fill out the application for that specific lender
  • Once approved, return to the McCutchen Firearms checkout and complete your purchase in our store selecting Credova Financing for the payment method.
  • One of our customer service representatives will contact you to complete the financing agreement via email prior to shipping your product.

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?
  • Open/Active Checking or Savings Account
  • Government Issue photo ID
  • Email address
  • Social Security Number
  • Income/Employment Information
  • Phone Number and Address
How Easy is it 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 info@credova.com or visit the Credova website at www.credova.com and select the chat feature from the home page.
Frequently Asked Questions (FAQ)
 
  • Why is an FFL required for your upper receivers?  
    • We received a ruling in February of 2019 from the BATFE stating that they had reviewed our upper receiver and determined it to be a firearm on it's own, comparing it to a Remington 700 because it's bolt action.  We know that this does not make any sense but were unsuccessful in fighting it.  Therefore all uppers are classified as firearms and must be transferred through an FFL just like the lower's and complete rifles.  
  • How long does it take to get my firearm?  
    • If it's on the website and does not say "Out of Stock", then we have it in stock.  We build uppers and rifles to order which usually does not take more than 1 business day (Monday - Friday).  We cannot ship firearms until we receive a copy of the license from your chosen FFL so if they are unresponsive, this will add to the time it takes for you to get your rifle.  We include ground shipping for free on orders over $1000 and we are based in Florida so depending on where you live, the free shipping will be anywhere from 1-6 business days.  You can always pay for expedited shipping if you choose.  
  • Do you export to Canada?
    • We currently do not export to Canada however 3rd party companies like I Run Guns (irunguns.com) can export our products.
  • What types of lower receivers work with your upper receivers?
    • Any MIL-Spec AR-15 lower receivers will work with our uppers.  We currently do not offer an AR-10 option.  
  • Are your lower receivers MIL-Spec?
    • Our lower receiver is a dedicated lower receiver for our .50 BMG upper however it is MIL-Spec other than the fact that it has no bolt catch, no buffer spring retainer hole, and no magazine well.  
  • My credit or debit card was declined but I know I have funds available
    • Due to the high cost of many of our products, you may be exceeding the daily or transaction limit of your card.  Most times, you can contact your bank and have them temporarily raise the limit for a single transaction such that you can use your card to purchase.  If you can't, or don't want to use your credit or debit card, select check by mail and mail your check to us.  Once we receive it, deposit it, and the check clears, we can then ship your order.
  • Do you offer financing or layaway plans?  
    • Yes, we offer a financing option that has a 90 day interest free option.  Click on the Financing menu at the top of the page for more information.  
How do I contact you?
  McCutchen Firearms operates Monday - Friday, 9am - 5pm (Eastern)

McCutchen Firearms
3959 Van Dyke Rd., #146
Lutz, FL 33558

(844) 635-0669
cs@mccutchenfirearms.com