Buy Now, Pay Later
With the Credova card
The Credova Card is a one-time use virtual card that allows you to finance purchases in-store and online.
Credova Card Overview
Scan the QR Code to Prequalify
After deciding on a purchase, scan the QR code to apply for financing.
Generate a One-time Use Credova Card
Apply with no impact to your credit, by providing basic information.
Tap to Pay In-store or Show Card to Cashier
Shop in-store and checkout using the Credova Card through a digital wallet or by showing the Credova Card to the cashier at checkout.
Easy Approval Process
Download the app or scan the QR code on in-store displays to apply in minutes to start using the Credova card today.
Fast & Efficient Checkout Process
The Credova virtual card makes checkout fast and efficient while providing automatic and effortless payment management.
Have more questions?
Want to learn more about the Virtual Card? Checkout out help center for more information.
Credova reviews
Cody I
“One of the easiest financing programs I've ever used. I would highly recommend Credova.”
Thomas M
“Easy approval with financing or lease options. I've used them at least 3 times. I always pay off during the no interest period. I really like that option.”
Melinda K
“Really want a product Bud's carried but didn't have all the money at once so I used this service and they have been fantastic. I would recommend them to everyone. Thanks again”
Enrique O
“Credova gave me an opportunity to own products that I would not have been able to afford if I had to pay for them outright in full. With the option to pay in 90 days same as cash, I saw it as a no brainer. I'll continue doing business with Credova as long as they're willing to keep providing these unique opportunities.”
GJ H
“Great customer service. I had to change the seller several times because the item I wanted would sell out so fast. Each time I called Credova, the agent was friendly, knowledgeable, and helpful. Great customer service. Fast approval. Highly recommended!”
EW II
“Good so far had some hang ups with the software from my and called they walked me through the whole process and it lets me keep a lot of money in my pockets while I have the gun...AWSOME SAUCE!!! THANKS CREDOVA!!!”
Courtney B
“I have no complaints. Great company and the bank they associate with Monterey financial I believe it is. Paid my loan back early and they gave me a pre-approval 3 days after I paid it off. And I just opened another line of credit a couple days ago. No complaints at all.”
Lawrence H
“This is the fourth time I have used Credova and I will continue too!! Easy and hassle free!”
EB
“Was able to make a purchase using their services. Without them I may not have been able to get the item I wanted. Customer service was great as well. Needed assistance switching merchants upon completion of first purchase attempt; item was not exactly what I needed from first merchant. Once purchase is made a Credova associate must release funds/ contract for use at another merchant. This process worked seamlessly for me. Thank you, Credova.”
David P
“Fast approval, easy to understand terms and conditions, and easily accessed on the retailer's site when checking out! Thumbs up from me.”
Luis R
“Approved right then and there, but what I liked was the questions they asked just to make sure I was who I said I was. Felt secured and I would definitely use again.”