Help More People Get Outside
Whether it’s someone’s first overnight hike or a seasoned trekker’s gear upgrade, Credova makes the path more accessible. Offer payment plans that support your customers’ journey, and keep your business moving forward.


Make outdoor adventure gear more accessible with payment plans that support every step of the journey.
From ultralight tents to durable packs, hiking and camping gear isn’t just gear — it’s peace of mind on the trail. Credova helps outfitters and outdoor retailers serve explorers, families, and adventurers with financing that empowers the next journey.
Outdoor enthusiasts value reliability and with Credova, they don’t have to settle for less due to price barriers.
Our financing adapts to your rhythms helping you drive sales during peak seasons and keep customers engaged throughout the year.
Join a growing list of outdoor merchants who use Credova to expand access, improve margins, and increase loyalty.
Whether it’s someone’s first overnight hike or a seasoned trekker’s gear upgrade, Credova makes the path more accessible. Offer payment plans that support your customers’ journey, and keep your business moving forward.
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.