Industries
At Credova, we partner with businesses that serve customers who live boldly, spend with purpose, and expect more from their financing. Explore our network of merchants who offer financing options tailored just for you.


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Have questions? Our team is ready to assist you with any inquiries you may have.


FAQs
Find answers to your most common questions about Credova.
To start offering Credova, simply visit merchantinquiry.credova.com and complete the request form. A member of our team will reach out to discuss next steps and guide you through the onboarding process.
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. You can:
Chat with us using the chat feature on our homepage
Call us at (833) 273-3682 — we’re happy to help!
Credova is an internet-based platform that allows you to shop now and pay over time. We partner with merchants and other partners to offer flexible financing options, connecting you to financing options that may fit your budget.
Through the Credova platform, you may be approved for one or more different forms of credit, including: a retail installment sales contract (RISC), a closed-end consumer loan, a pay-in-4 financing agreement, and/or closed-end consumer lease agreement. The financing product(s) that may be available to you is determined by a number of factors, including your state of residency, credit profile, and the products your merchant has chosen to offer.
Through the Credova platform, you may be approved for one or more different forms of credit, including: a retail installment sales contract (RISC), a closed-end consumer loan, a pay-in-4 financing agreement, and/or closed-end consumer lease agreement. The financing product(s) that may be available to you is determined by a number of factors, including your state of residency, credit profile, and the products your merchant has chosen to offer.
Monterey Financial is our trusted third-party servicer that helps manage your contract. In some cases, your account may also be assigned to them. As the servicing partner, they handle things like billing support, account management, and payment processing on our behalf. You’re welcome to make payments and manage your account through the Credova portal or directly on Monterey Financial’s website—whichever is more convenient for you! Both options connect to the same account and offer secure access to your account information. If you need assistance or have billing questions, Monterey can be reached at (877) 399-6374 or via email at customerservice@montereyfinancial.com
To update your billing information, please contact Monterey Financial directly at (877) 399-6374. They’ll be able to assist you with making any changes to your account.
Credova supports a variety of popular e-commerce platforms to make it easy for merchants to offer financing at checkout. Currently supported platforms include:
BigCommerce
WooCommerce
Magento
AmmoReady
Celerant
CoreWare
Connected Data Solutions
If you're using a different platform — or a custom-built website — our team can help. Reach out to us to discuss custom integration options. We're happy to work with you on a solution that fits your business needs.
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 (info@credova.com).
Credova financing is not available in all 50 states, and offerings may vary by location. At this time, Credova does not provide financing to consumers or merchants in New York, Massachusetts, or the District of Columbia. For more information about the availability of Credova in your area, please email us at info@credova.com.