It means a lot to our team to read that you've used our service three times now. Hi Dempsey, we understand your concerns when it comes to financing online. The return request was received the by the retailer and accepted on 9/22/2022. We understand your concerns with fees. We weren't able to locate your account on our side. Keep in mind, not all offers are 90 day interest free. We also ensure all reviews are published without moderation. We're so glad to have you as part of the Credova family. -Team Credova. We can be reached at 833-273-3682. Though I have always paid off the loan ahead of schedule as it just makes financial sense to me. Washington I shouldn't have to go through 30+ minutes of my lunch to payoff a debt. They went back and reversed the last two charges but in one word - deceptive. Customer service was great as well. To learn more visit: www.credova.com/financingproviders.. Not all financing products are available in all 50 states. Hope you have a great day! My collection is getting heirloom quality and someday my children will appreciate it. Got of the phone and paid 294 to pay off the contract only to discover they were still charging me last month $69.82 the last two months. Mobile Phone Number. I know nothing about guns, gun laws, or gun safety, but it's my right to buy one so I'm going for it. We hope to hear from you! purchase process thanks to the Credova platform and integrated API solution. Seed, Series A, Private Equity), Whether an Organization is for profit or non-profit, General contact email for the organization. 2023 Credova Financial, LLC. Felt secured and I would definitely use again.. Hello Jacob, I apologize about your experience with our application so far. Do you mind reaching out to our team via email at info@credova.com so we can best assist you and look into this further to ensure its been resolved? Thank you for being about of Credova. Thumbs up from me., 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. Ready, set, go! I made a purchase from Guns.com on August 5th using Credova thinking I'll take advantage of the 90 day interest free option which is a scam as Credova passed my contract over to ******** Financial and paying off my loan is impossible. We weren't able to locate your account on our side. Hi Geo, Thank you for taking the time to share your feedback. Company. If Credova was more like Affirm for example (where I have had numerous of purchases and pay on time AND have spent over $5000 in the past year) this Company would be a 5+ star rated place to go to, and would profit way more. -Team Credova. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2017 - 2021 Spikes Tactical - All Rights Reserved | Store Developed By Black Tie Digital Marketing, Store Developed By Black Tie Digital Marketing. Terrible business practice to not tell me who to pay. These fees represent the premium charged by the lessor for allowing you to lease an item and will vary depending on customer approval information. Proceed with caution. Theres no way to change this amount. . Hi Amy, We're so glad you chose Credova as your buy now, pay later provider. Thank you for writing the team. This one purchase will be the last unfortunately. Absolutely horrible I used credova just to see if I would want this on my website the experience is terrible. We look forward to you choosing Credova as your buy now, pay later provider in the future. Hi Keith, Thanks for the great review. Have a great day. Its awesome to have a company help with a purchase of a fire arm or ammo that you may need or see on sale! Hi Randy, We appreciate you taking the time to leave us your feedback, we always value all questions, concerns, and suggestions our customers leave us. Also the low amount given(loan), makes your options slim to buy anything. Credova has dedicated support available for any questions or assistance you may need during normal business hours of 6AM to 6PM PST. Call Us USA1: 909-569-5451 ( 9:00-20:00 EST) / USA2: 323-250-0585 ( 20:00-9:00 EST ) if we haven't answer you quickly you can also left us a voice message we will get back to you once we are online thanks Suggested companies are based on peoples browsing tendencies. This means, you will have to pay any and all incurred interest. I have been nothing but a great customer to them. Thanks to Credova and their partner Alabama Credit Union I don't have to wait. Dear ****, We understand the impact credit reporting has on our customers and we take all claims seriously.Credova has reviewed our records pertaining to the contract you electronically signed on 1/14/2022 with Credova Financial, LLC, and your subsequent return request.Our representatives informed you on 1/18/2022 that all returns or contract cancelations must be requested through the retailer. My initial experience related to creating account and completing the purchase was without issue. By continuing, I agree to Credova Terms of Service and authorize Credova to obtain, use, and share consumer reports about me. You purchase something for $900 and over 12 months you will pay 1600. (833) 273-3682. Thanks for being such a great customer, we're grateful to have you as a part of our Credova family! Better yet, get approved with no credit impact. I also called Credova and they wanted to transfer me back to Monterey with an "oh I'm sorry, we don't take payments here". Yes, I said it correctly. Having said that, I have a few big issues. THIS IS A SOLICITATION FOR FINANCING PRODUCTS ONLY. If Credova was more like Affirm for example (where I have had numerous of purchases and pay on time AND have spent over $5000 in the past year) this Company would be a 5+ star rated place to go to, and would profit way more. If you ever need assistance or have any questions, please don't hesitate to reach out to us at 833-273-3682 and we'd be happy to assist you! Felt secured and I would definitely use again.. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. I can truly appreciate what they do and while the APR is high, which is understandable, you have 90 days to pay it off or you can let it go for the life of the loan. This process worked seamlessly for me. See our Privacy Policy to learn more about our privacy practices. Hi there, we understand your concerns with financing online. Proceed with caution. Thanks for taking the time to leave us a review. Not at all. If you have any questions about your financing or need assistance with your application, please reach out to Credova support at 833-273-3682. Ill personally never use this companys services again, I recommend you dont either and save yourself ALOT of money, but hey if you do PAY IT OFF BEFORE 30 days!This is online option of a fast cash/payday loans store front. Easy and hassle free!, Was able to make a purchase using their services. -Team Credova. At checkout when told to check on Credova payment method, I could not Make Payment- it took me to a new request to apply for loan, which was refused as I already have an approved loan. It was a TERRIBLE experience. Great customer service. All Rights Reserved. Hi Hermi, thanks for reaching out to us here. We're glad to hear you had a great first experience using Credova! BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. We're always open to any feedback and appreciate you taking the time. We are sorry for any misunderstanding that occurred. We'd be happy to answer any questions or concerns you might have! I did the 3 months no interest, but its set for a 6 month payment plan with the monthly amount being 1/6 of the total purchase plus an insane interest rate that kicks in month 4. Do you mind reaching out to our support team at info@credova.com and referencing this review? -Team Credova. My fault for not reading the fine print. Rainier Arms on Facebook THIS IS A SOLICITATION FOR FINANCING PRODUCTS ONLY. Welcome to Credova Enter your phone number. I'll continue doing business with Credova as long as they're willing to keep providing these unique opportunities., Great customer service. Hi Raymond, we understand your concerns when it comes to financing online. Thanks again, 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. Paid off within 90 days. I will not be using them for future purchases and want as many people as possible to know how they are. All Rights Reserved. Helps me keep my wife from being angry of buying new tools! See details. Thank you.-Team Credova. We can confirm that a manual deletion request has been placed to update your credit report and should be reflected within the next 72 hours.Should you have any further questions regarding this update, please reach out to ************************ directly at************or email********************************. We do see you were able to speak with Monterey regarding your payments, however, we are always open to feedback and would like to learn more about your experience. Credova has posted a collections debt of $2,000 to my credit report and refuses to remove it after proving that I never received any loan ammount from their business. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. Sooooo.while its technically interest free.its not really. Have a question? -Team Credova. Don't buy firearms from any major sites using Credova, they are crooked. option, you know your terms up front and can shop for what you want, when you want and then pay over time. Hi David, We truly appreciate you taking the time to leave us this review. Chicago Aurora Naperville Contact Info. Helps me keep my wife from being angry of buying new tools! Please be aware, all purhcases must be picked up from your local FFL dealer. I have damn near an 800 credit rating and they are wanting 402.00 of interest and fees for a 600.00 item. THIS IS A SOLICITATION FOR FINANCING PRODUCTS ONLY. I have used Credova multiple times. Thank you!-Team Credova. The retailer I was purchasing from offered Credova. We understand your concerns with fees. I would recommend them to everyone. Absolutely disgusted. Credova's Address, Phone Number, and Contact Information. Subscribe. We appreciate you being a Credova customer and hope you choose Credova again soon. We're excited for whatever adventure you choose next! Call 833-273-3682 | Email info@credova.com | Visit www.credova.com Features APPROVALS IN SECONDS Apply online 24/7 for financing approvals in seconds. If you have any additional questions please reach out to Monterey Financial at 877-399-6374 or by email at customerservice@montereyfinancial.com they are our billing agency and can assist you further with any questions regarding fees or payment options.-Team Credova, Do not use, would have given a negative number if it had been an option. Called to see what that was about, and they informed me that I did not call back and confirm I was paying it off even though I told them I was, and they heard me ask for the payoff and saw it post the same day. We'd be happy to answer any questions or concerns you might have! Highly recommended!, 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 gunAWSOME SAUCE!!! One of the easiest financing programs I've ever used. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. I was only restricted to pay the minimum of $59.96 even after typing in the desired amount I'd like to pay. You can buyout of your contract at any time. Im happy that they approved me for my purchase, but with their option I purchased something that was 1600$ financed and the amount that will have been paid at the end was 3800$. Rate and information provided are subject to underwriting guidelines and applicants creditworthiness as established by their credit profile. But Im showing balances on both websites. Great service will be back for a 3rd. You now owe them $525 for a 5 week loan on $900. And I just opened another line of credit a couple days ago. I would highly recommend Credova to all my friends and family. The interest is ridiculous. We're always open to any feedback and appreciate you taking the time. Do you mind calling in to our support team and referencing this review so we can best assist you? However, you pay it off in 5 weeks you owe them 75% of the $700 they would make over 12 months. Why pay for the full purchase upfront when you can have smaller monthly payments? I also got charged a $10 fee. International Association of Better Business Bureaus. They have now destroyed my credit and they need to be held responsible for their actions. Hope to hear from you! . It took no time at all and gives you reasonable payments and plenty of time for spreading the repayment out, Hi Archbishop Patrick, We truly appreciate the feedback and we thank you for thinking of us to meet your purchase needs!-Team Credova. However, payments over the phone or online will always incur a $10 charge. service@crenova.net Once received your e-mail, we will make a reply as soon as possible. Every purchase has been smooth and quick. VERY DECEPTIVE COMPANY. I found credova via buds gun shop. I really like that option., 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. This was my first time using Credova. Its fast and convenient. Youi can also email support at info@credova.com or visit Credova website at www.credova.com and select the Chat feature from the homepage. I have a great credit score rating, and thats what lead me to apply. Very easy! However, payments over the phone or online will always incur a $10 charge. I did contact your customer service team. Select a financing option and finalize banking information. Your fee to pay online is ridiculous. Very misleading practice. -Team Credova. Hi Butch, We completely understand your concerns about financing online and are always open to hearing customer feedback. Rainier Arms Summit Club The developer, Credova, indicated that the apps privacy practices may include handling of data as described below. We'd love to talk through any concerns you have using our service. No closed end consumer lease offer provides the 90 day promotional interest free period. In less than five seconds I had an answer. -Team Credova. It has been two months since they have been notified of this and still their collections debt is on my credit report. I called to make my early payoff option and the customer service representative I talked to was very nice and polite as she told me I owed $1500 to this . Thank you for a streamlined process in applying for financing. Please reach out to our customer support team at info@credova.com, chat in via our website, or by phone at 833-273-3682. STEP 1 Fill your cart Shop your favorite stores and then select Credova at checkout. This is not how to do business CREDOVA I hope you get ahold of me because Im not paying tell I get some answers. We hope to see you around here again soon, too! Depending on your application details, we can aprove you between $300 and $5,000. All Rights Reserved. But that's the price you pay if you want a firearm that you desire. Hi Vanessa,Thank you for writing us. Don't have an account? It's obvious that this company is very predatory. Select your preferred retailer during the application process. Most of the desirable firearms are pretty expensive and though I have cash available I dont like to spend it so its a nice option to use the credit. This is a claim and debt under mortgage. For the best experience on our site, be sure to turn on Javascript in your browser. Its still going to help my credit so Im going with it, but I think the markup is way too much. Unfortunately, our team was not able to locate you in our system. Thank you for writing the team. You think you will purchase something and pay it off early. Payments are required at minimum once a month on your scheduled due date. Anyone can write a Trustpilot review. Thank you! Now they are saying I need to pay ******** financial services. -Team Credova. Now I can relax a little and have a better work/life balance which I really appreciate. We truly appreciate it. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR FINANCING PRODUCT INQUIRY. Hi David, We truly appreciate you taking the time to leave us this review. Thank you, Credova., Fast approval, easy to understand terms and conditions, and easily accessed on the retailer's site when checking out! We appreciate your kind words and are grateful you took the time to leave us such a great review. Credova made it easy!!!! Update they contacted me I called them and I was eligible for a different payment option and they are crediting me back a few hundred. Credova was established in 2018. We're glad to hear you were able to receive your contract easily and make the purchase you were hoping. I was wrong. cart reminders) to the mobile number used at opt-in. Not honest people, Hi Chris, We're sorry to hear you aren't happy with our service. If youd like to payoff your contract early, but its past the 90 days of promotional financing, then youll pay interest up until that point at which you payoff the remainder of your principal. Simple straight forward process with no hit to your credit .. they set up an affordable payment plan based on the purchase price of your weapon .. going to do more business with Guns.com in the future for sure Thanks, We're so happy to hear you're happy! Easy to use and get approved.. Anyone can write a Trustpilot review. BBB is here to help. Customer service was great as well. It goes against our guidelines to offer incentives for reviews. On top of another $15 processing fee. Reply to Credova. STEP 3 Pay over time Select Credova at checkout to pay for your purchase over time. Here are 8 tips for writing great reviews. Thats $88 over 12 months, sure cheap payments but not interest free. A lot of places nowadays dont offer layaway or if they do its only 45 days. Opened 02/22 (pandemic closures) credit balance of $6,603 not my debt. It was a TERRIBLE experience. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR FINANCING PRODUCT INQUIRY. STEP 2 See how much you can spend Get approved without affecting your credit score. Called to see what that was about, and they informed me that I did not call back and confirm I was paying it off even though I told them I was, and they heard me ask for the payoff and saw it post the same day. Finally, the ability to pay off the purchase without a penalty is really nice. Absolutely waste of money ! Very deceptive!Unless they really are doing interest free loans like they claimed! If you have any questions about your financing or need assistance with your application, please reach out to Credova support at 833-273-3682. Date of experience: 05 March 2023. We'll send you a verification code via SMS. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR FINANCING PRODUCT INQUIRY. If you have any additional questions please reach out to Monterey Financial at 877-399-6374 or by email at customerservice@montereyfinancial.com they are our billing agency and can assist you further with any questions regarding fees or payment options. The terms are unclear until you get a copy of the contract. Okstill not a big deal. To learn more visit: www.credova.com/financingproviders.. Not all financing products are available in all 50 states. I always pay off during the no interest period. 31 W Downer Pl, Suite 405 Aurora, IL 60506 . This seemed like a great idea I made first monthly payment. Fast approval. Their contracts are loaded with clauses that will bite you in the ass! I thought I would have to wait until I saved up the money to buy. I didn't have to go through miles of red tape. The platform is providing buy now, pay later solutions to merchants with both brick-and-mortar retail locations and an integrated API eCommerce solution. I did some checking to see if they were a scam or not found out they weren't so I took the plunge it wass very easy to get approved and had no problem getting what I wanted. Find out how we combat fake reviews. Have an awesome week! Enter your phone number. Payment options through Credova are provided by merchants, other financial institutions, Alabama Credit Union member NCUA, or Credova Financial, LLC. Keep in mind, closed end consumer lease agreements do not have the 90 day interest free option. Thank you.-Team Credova. Here are 8 tips for writing great reviews. Using it as a credit builder but that seems incredibly excessive, and that final price was hidden from me at the time I signed my contract. Using Credova's service by getting a card number and paying for merchandise, or failing to pay Credova on time may affect it. We appreciate any and all feedback! . Note that complaint text that is displayed might not represent all complaints filed with BBB. Rate and information provided are subject to underwriting guidelines and applicants creditworthiness as established by their credit profile. Awesome deal and will certainly use again. Hope you have a great day! Financing Redefined! However, payments over the phone or online will always incur a $10 charge. option, you know your terms up front and can shop for what you want, when you want and then pay over time. Needed assistance switching merchants upon completion of first purchase attempt; item was not exactly what I needed from first merchant. Hi JoeNathan, we're sorry to hear you weren't satisfied with your agreement. A closed-end consumer lease agreement doesnt have an interest rate but rather charges monthly leasing fees. With Credova's easy to use buy now, pay later payment Buds gun shop clearly shows all 4 guns I have bought are paid 100% in full via my bank account. We're glad to hear you were able to receive your contract easily and make the purchase you were hoping. -Team Credova. I look forward to using Credova to finance all my adventures in the future. Payoff your principal in 90 days and you pay no interest. If you need to make a return, please reach out to the merchant you purchased from to determine their return policy. Using it as a credit builder but that seems incredibly excessive, and that final price was hidden from me at the time I signed my contract. Delete terminate and remove immediately. Dear Mr. ********************* have reviewed your response and continued our investigation into your allegation that this contract was the result of identity theft. The only reason I did it was to free up cash for Christmas. If you are approved for a 90 day interest free offer, your approval page will clearly indicate as such. As a matter of policy, BBB does not endorse any product, service or business. BBB Business Profiles are subject to change at any time. -Team Credova. Thanks for taking the time to review us, it sure means a lot. -Team Credova Rob S 1 review US 15 Apr 2023 Gotta love these guys at Credova Credova considers all credit types in the approval processs and some financing providers accept bad credit, it entirely depends on the financing provider. I've used the early payment system and that is such a great way to have short term finance option!Highly recommend their services. -Team Credova. I had to change the seller several times because the item I wanted would sell out so fast.