Smart, flexible payment solutions
With Credova, you can shop for adventure gear without the worry of hard credit inquiries. Not all financing is created equal. Here’s what makes Credova different and why more shoppers are choosing us:
Explore your options without a hit to your credit score. We believe in transparency, not surprises.
Choose a plan that fits your lifestyle. No hidden fees. No gimmicks. Just payment options that make sense.
We help more people get approved even when other financing tools fall short.


How Credova works


Look for Credova at checkout when you’re shopping online or in-store with one of our participating merchants.
Choose your payment terms and complete a short application with no credit impact just to check your options.
Once approved, you can complete your transaction right away and make payments over time on a schedule that fits your life.
Pay with Credova at your favorite stores


Shop Now. Pay Your Way.
With flexible payment plans, more approvals, and no credit impact to apply, it’s never been easier to buy the things that matter all without compromising on your values or your wallet.
The Credova blog
Browse insights and updates from the Credova team.
FAQs
Find answers to your most common questions about Credova.
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
We're Here to Help
Have questions? Our team is ready to assist you with any inquiries you may have.

