Financing your next ZRODelta 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.

Apply in-cart after shopping and use your approval right at checkout.
Shop online and authenticate your approval during checkout.

It’s simple. Pay off your principle 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 3 months = 90 days. Keep in
mind, not all offers are 3 months interest free.

Not all financing approvals are 3 months interest free. If you are approved for a 3
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 3 months interest free
offer, please feel free to reach out to Credova support to discuss.

If you’re unable to pay off your contract within the 3 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 3 months interest free option.

You can buyout of your contract at any time. If you’d like to payoff your contract
early, but it’s past the 3 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.

Credova is partnered with a network of financing options that offer retail
installment sales contracts (RISCs) and/or closed-end consumer lease agreements.

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.

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.

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.

Not at all. Whether you are using a RISC or a closed-end consumer lease, you can
payoff your balance at anytime and there are never any prepayment penalties.

Very easy! Online applications only require basic information and you can receive
an approval in seconds.

Depending on your application details, you can be approved for offers between
$300 and $5,000.

Credova considers all credit types in the approval process. Keep in mind, there is
no hard credit inquiry, so applying won’t affect your credit score.

Payments are required at minimum once a month on your scheduled due date

For shipping timing, tracking, and terms, please review the retailer’s policies.

Depending on the type of financing selected, you may be required to complete
your first payment at the time of signature whereas other financing products will
not require a payment for at least 30 days. If required, you will be able to
complete your first payment at checkout.

If you need to make a return, reach out to the merchant you purchased from to
determine their return policy.

To apply, select the Credova banner, or select an Apply Now or Learn More
button on the merchant website. You can also visit www.credova.com and begin
the application from the Apply Now button.

Pre-qualification approvals are good for 30 days while full approvals are good for
60 days.

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 info@credova.com or visit the Credova website at
www.credova.com and select the chat feature from the homepage.

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.