90 Days Interest Free Financing Available
Financing your next Daniel Defense firearm, upper receiver group and other accessory purchase is easy and can be done right at checkout within your shopping cart. Credova is a third-party e-commerce platform offering multiple financing options with one application helping you find a payment option that best fits into your budget. Get approved with no credit impact! There’s no application fee and what’s even better is you’re able to apply before you shop to know what you have been approved for or apply at checkout and receive a financing offer right there and then.
How To Finance With Credova
- Apply in-cart after shopping and use your approval right at checkout.
- Shop online and authenticate your approval during checkout.
- Pay over time: Credova puts the purchasing power in your hands with an easy monthly payment plan instead of paying for the entire purchase upfront.
- Get Approved with No Credit Impact: Shop with confidence. You can receive pre-qualifications from multiple providers quickly without affecting your credit score.
- Approval Amounts: Credova has multiple financial providers that can approve you for up to $5,000 at checkout!
- No Hidden Fees! There is no application fee & no pre-payment penalties! Any fees or charges are fully disclosed in your contract!
- Multiple Lender Offers: With a single online application you can receive multiple financing offers letting you choose the offer that best fits your budget.
- Early Buyout Options: You can tailor your financing experience with the ability to buyout of your contract at anytime with no pre-payment penalties!
Frequently Asked Questions
How does 90 day interest free financing work?
It’s simple. Pay off your principal within the 90-day 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.
Are all financing approvals 90 Day Interest Free?
Not all financing approvals are 90 days interest free. If you are approved for a 90 day interest free offer, your approval page will clearly indicate as such. If you have any questions whether or not you are approved for a 90 day interest free offer, please feel free to reach out to Credova support to discuss.
What if I don’t pay off my balance in 90 days?
If you’re unable to pay off your contract within the 90 day 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.
Can I still payoff my contract early, even if it’s past 90 days?
You can buyout of your contract at any time. If you’d like to payoff your contract early, but it’s past 90 days of promotional financing, then you’ll pay interest up until the point at which 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?
Credova is partnered with a network of financing options that offer retail installment sales contracts (RISCs).
What is a RISC?
With a RISC, you are purchasing the item and agreeing to make installment payments over a specific term plus any associated interest rate.
What is the interest rate?
The interest rate is the amount charged, as a percentage of principal, by a retailer to a consumer 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). With a RISC, the system considers more than just your credit and your interest rate will vary based on the information provided. Please review your offer/s carefully prior to completing your agreement.
Am I locked into financing for the full term?
Not at all. You can payoff your balance at anytime and there are never any prepayment penalties!
What information do I need to apply?
- Open/Active checking or savings account
- Government issue photo ID
- Email Address
- Social Security Number
- Income/Employment information
- Phone Number and Address
How Easy Is it to Apply?
Very easy! Online applications only require basic information and you can receive an approval in seconds.
How much will I be approved for?
Depending on your application details, we can approve you between $300 and $5,000.
If I have bad credit, will I be declined?
Even if you have bad credit, that’s ok. Credova considers all credit types in the approval process and some financing providers accept bad credit, it entirely depends on the financing provider. Keep in mind, there is no hard credit inquiry, so applying won’t affect your credit.
How often are payments made?
Payments are required at minimum once a month on your scheduled due date.
When will my purchase be shipped to me?
Please allow up to 10 business days for loan processing to complete and products to ship. Any firearm purchase must be shipped to your local FFL dealer rather than your home address. For shipping timing and tracking, Daniel Defense will provide tracking once the firearm has shipped.
How much do I have to pay today?
Daniel Defense will not require any up front payment during the purchase process. Programs offered on Daniel Defense’s website will not require a payment for atleast 30 days.
Can I finance a firearm or any other product if I am in a different state than Daniel Defense?
Yes, you can finance firearms or a combination of any other products out of state. Certain restrictions may apply. Pleae be aware, all firearms purchases must ship to and be picked up at a local FFL dealer.
What if I need to return my purchase?
If you need to make a return, please contact Daniel Defense at 1-866-554-GUNS (4867) or refer to our Return Policy by clicking HERE. Our world-class consumer services team will work directly with you to facilitate a return.
How do I apply?
You may apply for financing anytime prior to checking out. There are multiple places throughout the website that will provide a link for you to apply, including any place where you see “Get Financing For As Low As” on product pages. You can also visit www.Credova.com and select the Apply Now button in the top right corner. Select Daniel Defense as your preferred retailer during the application process.
If I am approved, how long is my approval?
Pre-qualification approvals are good for 30 days while full approvals are good for 60 days.
If I am having trouble with my application, who can I call?
If you have any questions about your financing or need assistance with your application, please reach out to Credova support at 833-273-3682. You can also e-mail support at firstname.lastname@example.org or visit the Credova website at www.Credova.com and select the Chat feature from the homepage.
Am I able to finance a purchase if using a discount code or special promotion?
Only purchases at full MSRP qualify for financing. Discounts and promotions disqualify the purchaser from the finance option.
I receive the Law Enforcement / Military Discount. Am I able to finance my order?
Customers utilizing the law enforcement / military discount do not qualify for financing.