Two ways to buy now and pay over time at Clarksville Guns & Archery: finance through Credova with a quick application and a soft credit check, or use our 90-day layaway — 20% down holds your firearm.
1. Add what you want to your cart and head to checkout.
2. Choose Finance with Credova as your payment method.
3. Complete the quick application — a soft credit check only, with no impact on your score — and if approved, pick the terms that fit your budget. Financing offers range from $150 to $5,000.
Credova is an internet-based platform that allows you to shop now and pay over time. They partner with merchants like us to offer flexible financing options, connecting you to financing options that may fit your budget.
When shopping online with us, simply choose Finance with Credova at checkout. You’ll be guided through a quick application process and, if approved, you can select from any of the qualifying financing terms that fits your budget.
When you apply through Credova, only a soft credit check is performed. This has no impact on your credit score, so you can explore financing options with confidence.
There’s no set minimum! Credit requirements vary by lender and financing options. The best way to see your options is to prequalify or apply — it won’t affect your credit score.
Based on your application details, you may qualify for financing offers ranging from $150 to $5,000. Available financing products are determined by a number of factors, which include but are not limited to your state of residency, credit profile, and the credit policies for each lender.
Pay off your principal balance within the 90 day promotional period and you pay no interest. Keep in mind, you must make your regular monthly payments on time — if you miss a payment, have a payment returned, or are late, you no longer qualify for the promotion. You also will no longer qualify if you fail to fulfill any other obligation under your agreement. The 90 day interest free offer only applies to retail installment sales contracts (RISCs) and installment loans, and not all offers have a 90 day interest free offer.
Not all financing approvals have a 90 day interest free offer. The 90 day interest free option is only available on certain RISCs and installment loans. If you are approved for a 90 day interest free offer, your approval page and agreement will clearly indicate the offer. If you have any questions whether or not you are approved for a 90 day interest free offer, please reach out to Credova Support to discuss.
If you’re unable to pay off your contract within the 90 day promotional period, you’ll be responsible for the full terms and conditions of your contract. This means you will have to pay any and all accrued interest. Keep in mind, not all offers include the 90 day interest free offer.
Yes. You can always pay off your RISC or installment loan at any time. If you’d like to pay off your contract early, but it’s past the 90 day promotional period, then you’ll pay interest up until the point you pay off your contract.
Your approval is good for 30 days! There’s no pressure to use it — but after 30 days, the approval will automatically expire. If that happens, no worries — you can always reapply whenever you’re ready.
Add the items you want to your cart and go to checkout. Select Finance with Credova as your payment method. You might be asked to verify your phone number again — this helps link your approval to your account. Then just follow the prompts to complete your purchase.
If your application is approved, Credova will 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, you can chat with Credova at www.credova.com, or call them at (833) 273-3682.
If you have any questions about your financing or need assistance with your application, reach out to Credova support at 833-273-3682, email info@credova.com, or visit www.credova.com and select the chat feature.
All returns follow our store return policy. If you need to initiate a return, contact us directly to review the return process and eligibility. If we approve your return, we notify Credova and they proceed with canceling your contract accordingly. For details on how a return may affect your financing, refer to your agreement.
To cancel your contract, first contact us — Credova provides the financing but does not handle returns or cancellations directly; they follow our return policy. If we approve your return, they will be notified and will proceed with canceling your contract. If you are having difficulty with your contract, contact Credova by phone at (833) 273-3682 or email info@credova.com.
Questions? Call us at (931) 802-8912 or Credova at 833-273-3682.