Gun Financing
Guns.com Financing
FINANCE YOUR DREAM GUN
Get approved quickly! You’re never locked in full term and you will always have the ability to buyout at anytime. Pay off your principal in three months to pay no interest** (depending on your offer details) or spread it out into payments over the full length of your contract.
HOW TO GET PROTECTED NOW, PAY LATER
1. Click the financing logo on any product page to learn your pre-approval amount, or simply apply at checkout.
2. Answer the questions in the Credova application & get approved fast. Get approved with no credit impact.*
3. Make sure all items are in your cart and select "Credova" as your payment option in checkout.
4. Place your order!
KEEP YOUR SAFE STACKED, WHEN YOUR WALLET'S NOT
Approvals in Seconds
Apply online 24/7 for financing approvals in seconds. Applications can be filled out from any device with an internet connection. If you have any questions about the application, call 833-273-3682 to reach customer support during normal business hours of 6AM to 6PM PST.
Pay Over Time
Credova puts the purchasing power in your hands with monthly payments instead of paying for the entire purchase upfront.
Three months Interest Free*
Payoff your principal in three months and you pay no interest.** You can also spread your payments out up to the term length provided in your offer. Approvals for three months interest free offers are dependent upon the applicant’s credit profile. Keep in mind, not all offers are 3 month interest free. Credova counts one month as 30 days, so 3 months = 90 days. Please review your offer details closely prior to completing your purchase.
4 Payments, No Interest
Get approved with no credit impact. Pay in 4 lets you split purchases between $150 and $1000 into four equal payments, due every two weeks, with no interest, ever.
Customer Support
Credova has dedicated support available for any questions or assistance you may need during normal business hours of 6AM to 6PM PST. Call 833-273-3682
Email [email protected] | Visit www.credova.com
For complete Credova disclaimers and disclosures, please visit www.credova.com/disclaimers
*For qualifying payment plans only.
**Not all offers are 3 months interest free. Terms and conditions dependent upon the applicants credit profile.
FAQ's
How does three months interest free financing work?
(Read More)
It’s simple. Pay off your principal within the 3 month promotional period and you pay no interest. Keep in mind, you must make your regular monthly payments on time because if you miss a payment or are late, you no longer qualify for the promotion. Credova counts one month as 30 days, so three months = 90 days. Keep in mind, not all offers are three months interest free.
Are all financing approvals three months interest free?
(Read More)
Not all financing approvals are three months interest free. If you are approved for a three months interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a three months interest free offer, please feel free to reach out to Credova support to discuss.
What if I don’t pay off my balance in three months?
(Read More)
If you’re unable to pay off your contract within the three month 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 incurred interest. Keep in mind, not all offers include the three months interest free option.
Can I still payoff my contract early, even if it’s past the three month promotional period?
(Read More)
You can buyout of your contract at any time. If you’d like to payoff your contract early, but it’s past the three months promotional period, then you’ll pay interest up until the point you payoff the remainder of your principal. You will not be responsible for future months interest charges after your buyout.
What type of financing is offered?
(Read More)
Credova is partnered with a network of financing options that offer retail installment sales contracts (RISCs) and/or closed-end consumer lease agreements.
What is the different between a RISC and a Closed-End Consumer Lease Agreement?
(Read More)
With a RISC, you are purchasing the item and agreeing to make installment payments over a specific term plus any associated interest rate. A closed-end consumer lease agreement doesn’t have an interest rate, but rather charges monthly leasing fees. With a closed-end consumer lease, you are leasing the item/s from a lessor and have the option to purchase the item during the course of the lease.
What are the leasing fees?
(Read More)
If you choose to accept a closed-end consumer lease offer, with each monthly payment, you will pay leasing fees. These fees represent the premium charged by the lessor for allowing you to lease an item and will vary depending on customer approval information. Please review your offer/s carefully prior to completing your agreement.
What is the interest rate?
(Read More)
The interest rate is the amount charged, as a percentage of principal, by a retailer to a customer for the ability to pay for an item over time. This is often expressed over an annual basis commonly referred to as the annual percentage rate (APR). The system considers more than just your credit and your interest rate will vary based on the information you provide. Please review your offer/s carefully prior to completing your agreement.
Am I locked into financing for the full term?
(Read More)
Not at all. Whether you are using a RISC, Pay In 4, or a closed-end consumer lease, you can buy out your contract at any time. Review your offer or contract for details.
How easy is it to apply?
(Read More)
Very easy! Click the financing logo on any product page to learn your pre-approval amount, or simply pre-qualify by clicking here.
How much will I be approved for?
(Read More)
Depending on your application details, you can be approved for offers between $150 and $10,000.
If I have bad credit, will I be declined?
(Read More)
Credova considers all credit types in the approval process. Keep in mind, there is no hard credit inquiry.
How often are payments made?
(Read More)
Payments are required at minimum once a month on your scheduled due date. If you choose the Pay in 4 option, payments are due every 2 weeks.
When will my purchase be shipped to me?
(Read More)
For shipping timing, tracking, and terms, please review our shipping policy.
How much do I have to pay today?
(Read More)
Depending on the type of financing selected, you may be required to complete your first payment at the time of signature whereas long term financing products will not require a payment for at least 30 days. Pay in 4 requires next payment in 2 weeks. If required, you will be able to complete your first payment at checkout.
What if I need to return my purchase?
(Read More)
If you need to make a return, please reference our return policy.
How do I apply?
(Read More)
To apply, click the financing logo on any product page to learn your pre-approval amount, or simply apply at checkout.
If I am approved, how long is my approval good for?
(Read More)
Pre-qualifications and approvals are good for 30 days.
Who can assist me if I am having trouble with my application?
(Read More)
If you have any questions about your financing or need assistance with your application, please reach out to Credova support at 833-273-3382. You can also email support at [email protected] or visit the Credova website at www.credova.com and select the chat feature from the homepage.
Can I still payoff my contract early, even if I didn’t receive a three months interest free offer?
(Read More)
You are able to buyout of your contract at anytime. Keep in mind, you will be responsible for either financing/leasing fees or interest if you do not have a 3 months interest free offer.
Have more questions?
Call 833-273-3382 | Email [email protected] | Visit www.credova.com
Review the Credova Privacy Policy found at www.credova.com/privacypolicy. Terms of Service can be found at www.credova.com. Review Credova disclosures and offer details within the Credova application.
*Not all offers are 3 months interest free. Terms and conditions dependent upon the applicants credit profile.
SHOP TOP CATEGORIES BELOW
SHOP WITH CONFIDENCE
The Guns.com Promise
Millions of gun owners have turned to Guns.com for the best information on all things guns. Guns.com leads the industry with in-depth reviews, breaking news and top-notch gun sales and service. If you’re buying a gun, you won’t find a better level of service, support and knowledge than you do at Guns.com.
