3-month Interest Free Financing
Financing your next U.S. Optics 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 Apply:
Apply in-cart after shopping and use your approval right at checkout.
Shop online and authenticate your approval during checkout.
How does 3 months interest free financing work?*

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.

Are all financing approvals 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.

What if I don’t pay off my balance in 3 months?*

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.

Can I still payoff my contract early, even if it’s past the 3 month promotional period?*

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.

What type of financing is offered?

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?

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?

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?

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?

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.

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, you can be approved for offers between
$300 and $5,000.

If I have bad credit, will I be declined?

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.

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?

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

How much do I have to pay today?

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.

What if I need to return my purchase?

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

How do I apply?

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

If I am approved, how long is my approval good for?

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

Who can assist me if I am having trouble with my application?

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 or visit the Credova website at and select the chat feature from the homepage.

Can I still payoff my contract early, even if I didn’t receive a 3 months interest free offer?*

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.