Take it home now. Pay over time.
Spread the cost of a firearm, optic or gear package across monthly payments. Checking your options takes a couple of minutes — Credova states that its application involves no hard credit inquiry.
A rifle in our current inventory
Example only. Your amount depends on the offer you qualify for and the term you choose. Every product page shows an estimated monthly payment for that item.
What to expect
The parts people usually want to know before they start.
Two ways to pay
Credova shows you whichever options you qualify for. Which one you see depends on your purchase amount and your approval.
Pay in 4
$150 to $600
Four payments, no interest. Suited to ammo, optics, a holster and range bag, or a single accessory.
Pay Over Time
$300 to $5,000
Payments spread across terms up to 24 months. This is the option most firearm purchases fall under.
Some Pay Over Time approvals include a 90 day interest free promotion. Not all of them do — see below for how that works.
How it works
Four steps, start to finish.
Apply, or prequalify from any product page
Look for the estimated monthly payment under the price and choose Learn More. You can also start at checkout by selecting Credova. The application is short and asks for standard identity and income details.
Get your decision and pick your terms
If you are approved, Credova shows the offers you qualify for and you choose the term and monthly payment that fits your budget. Credova works with several lenders, so offers are matched to your credit profile.
Check out with Credova
Add your items to the cart and select Credova as your payment method at checkout. You may be asked to verify your phone number so your approval links to your order, then follow the prompts to finish. Watch for the approval email — it sometimes lands in spam.
We process the order, you pay Credova
Your order moves forward with us exactly as it would with any other payment method. Your monthly payments go to Credova on the schedule you selected.
Subject to approval. Only eligible products qualify for financing.
Financing does not change the transfer process
Every firearm still ships to a licensed dealer or is picked up at our Marlton or Jersey City location, and all federal and New Jersey requirements apply exactly as they normally would. Financing covers how you pay, nothing else.
About the 90 day interest free offer
Some approvals include a 90 day interest free promotional period. Not all of them do. The offer applies only to certain retail installment sales contracts and installment loans, and your approval page and agreement will say clearly whether yours includes it.
If your offer includes the promotion and you pay off your principal balance within 90 days, you pay no interest. You still need to make your regular monthly payments on time — a missed, late or returned payment ends the promotion, as does failing to meet any other obligation in your agreement.
If you do not pay the balance inside the promotional window, the full terms of your contract apply and you will owe the balance plus accrued interest. You can pay a contract off early at any time, even after the 90 days; you would pay interest up to the point you pay it off.
Questions
Answers below come from Credova. For anything about your specific application or contract, contact Credova directly.
What is Credova?
Credova is an internet-based platform that lets you shop now and pay over time. It partners with merchants and lenders to offer flexible financing options that may fit your budget.
Will applying affect my credit score?
Credova states that applying runs a soft credit check only, with no hard credit inquiry, so it does not affect your credit score. Credova works with several lenders and the financing product you are offered depends on your state, your credit approval and the terms you select — so if this matters to you, confirm the details with Credova before you accept an offer. Your payment history on a Credova agreement may be reported to credit bureaus.
Is there a minimum credit score?
There is no set minimum. Credit requirements vary by lender and by financing option. Prequalifying or applying is the only way to see what you qualify for, and it will not affect your score.
How much can I be approved for?
Based on your application and what the merchant offers, you may qualify for financing from $150 to $5,000. Some select merchants can offer up to $10,000 in limited circumstances. What is available depends on your state of residence, your credit profile, each lender's policies, and the products the merchant has chosen to offer.
How long is my approval good for?
Thirty days. There is no pressure to use it, but after 30 days the approval expires automatically. If that happens you can reapply whenever you are ready.
How do I use my approval?
Add the items you want to your cart and go to checkout. Select Credova financing as your payment method. You may be asked to verify your phone number again, which links your approval to your order, then follow the prompts to complete your purchase.
How do I find out my application status?
If your application is approved, Credova sends an approval email. Check your spam or junk folder if you do not see it. If no email arrives or you want to check in, use the chat feature on the Credova homepage or call Credova at (833) 273-3682.
What if I need to return an item?
Returns follow our return policy, not Credova's. Contact us first to start the return. If we approve it, we notify Credova and they cancel your contract accordingly. For how a return affects your financing specifically, check your agreement.
How do I cancel my contract?
Contact us first, since Credova provides the financing but does not handle returns or cancellations directly — they follow our return policy. If we approve your return, they cancel the contract. If you are having difficulty with the contract itself, call Credova at (833) 273-3682 or email info@credova.com.
Who can help me with my application?
Credova support handles anything to do with your financing or application: call (833) 273-3682, email info@credova.com, or use the chat feature on credova.com. We can help with the order itself, but we have no access to your application or credit decision.
Who to contact
Two different companies, two different jobs.
Credova handles your application, approval and payments
Call (833) 273-3682
Email info@credova.com
Or use the chat on credova.com
Urban Tactical Firearms handles your order, transfer and returns
Marlton (856) 780-4447
Jersey City (201) 499-3601
Email main@utfirearms.com
Payment options through Credova may be provided by merchants, financial institutions, or Credova Financial, LLC. Not all financing products are available in all 50 states. To learn more, visit credova.com/legal/availability-and-restrictions. Rate and information provided are subject to underwriting guidelines and applicant's creditworthiness as established by their credit profile. THIS IS A LOAN SOLICITATION ONLY. DEPENDING ON YOUR STATE OF RESIDENCE AND OTHER FACTORS, CREDOVA FINANCIAL, LLC MAY NOT BE THE LENDER. INFORMATION RECEIVED MAY BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. Credova Financial, LLC, NMLS ID 1818530. NMLS Consumer Access.
Representative example: based on a borrower with a 660 credit score, $0.00 down payment, a 9 month term and an APR of 24.00%. Rate and information provided are subject to underwriting guidelines and the applicant's creditworthiness as established by their credit profile. Actual payments may be higher. Shipping, taxes and applicable fees are not included in this example. Other terms and conditions may apply. 3 months equals 90 days.
Not all offers include a 90 day interest free period. Approval and terms are subject to eligibility and application review. Statements on this page about credit checks, approval amounts and terms reflect information published by Credova and are subject to change — confirm current terms with Credova before accepting any offer. Urban Tactical Firearms does not make credit decisions, is not the lender, and has no access to your application or credit file.