Pay In 4,
Now Available

When you are approved for financing through Credova, you may receive a 3 months interest free offer. If you pay off your principal balance within 3 months (90 days), you pay no interest. If you do not pay off the balance within 3 months, interest will be charged from the original purchase date.

Not all approvals include a 3 months interest free offer. The type of offer you receive is dependent on your credit profile and the lender's determination at the time of application. Please review your offer details carefully before completing your purchase.

If you do not pay off your balance within the 3-month promotional period, interest will be applied retroactively from the date of purchase at the rate specified in your financing agreement. You will still be able to make payments according to your original term length.

Yes! You can pay off your contract early at any time. There are no prepayment penalties. Contact Credova directly at 833-273-3382 or visit www.credova.com to arrange early payoff.

Credova offers multiple financing options including retail installment sales contracts (RISC), closed-end consumer lease agreements, and Pay in 4 — a short-term split-payment option for purchases between $150 and $600.

A Retail Installment Sales Contract (RISC) is a financing agreement where you purchase and own the item outright, making scheduled payments over time with interest. A Closed-End Consumer Lease Agreement is a lease — you make payments to use the item for a set term, after which you may have the option to purchase it or return it.

Leasing fees vary based on the term length and your approved offer. All fees will be disclosed in your lease agreement before you finalize your purchase. Review your offer details carefully prior to completing your transaction.

Interest rates vary based on your credit profile and the lender's determination. Your specific rate will be clearly stated in your financing offer before you complete your purchase. For Pay in 4, there is no interest charged when you make the 4 scheduled payments on time.

No — you are not locked in. You can pay off your balance early at any time with no prepayment penalties. Contact Credova's customer support team for assistance with early payoff.

Applying is simple and fast. During checkout, select Credova as your payment method and complete the short application form. The process takes just a few minutes and approvals come back in seconds. No paperwork required and no impact on your credit for pre-qualification.

Approval amounts are determined by the lender based on your credit profile, income, and other factors. The amount you qualify for will be shown to you once your application is reviewed — typically within seconds.

Credova works with a network of lenders to try to find financing options for a wide range of credit profiles. Having less-than-perfect credit does not automatically mean you will be declined. Apply to see what options may be available to you — pre-qualification has no impact on your credit score.

Payment frequency depends on your financing agreement. Most plans feature monthly payments. For Pay in 4, payments are split into four equal installments. Your specific payment schedule will be outlined in your financing offer.

Your order will be processed and shipped according to CoreArms' standard shipping timelines once your financing is approved and your order is confirmed. You will receive tracking information via email once your order ships.

For most financing options, you may be required to make a down payment depending on your approved offer. For Pay in 4, the first of your four payments is due at the time of purchase. Your specific payment terms will be clearly shown before you finalize your order.

If you need to return an item, please follow CoreArms' standard return process. Once a return is processed, the refund will be applied to your Credova account. Contact CoreArms customer service at 713-344-9600 or email info@corearms.com to initiate a return.