Pay in 4
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Shopper FAQ
Shopper Knowledge Base
General
What type of financing is offered?
What are the leasing fees?
What is the interest rate?
Am I locked into financing for the full term?
Application Status
How do I find out my application status?
I’m prequalified, what else do I need to do?
My application says “Pending Approval” what else do I have to do?
Why was I declined?
Pay in 4
What is Pay in 4?
What purchase amounts qualify for Pay in 4?
How can I pay with Pay in 4?
Returns & Shipment
What if I need to return my purchase?
Who can assist me if I am having trouble with my application?
When will my purchase be shipped to me?
Monterey Financial Services
Who is Monterey Financial Services?
What services does Monterey Financial offer?
Can I access my account online?
How can I contact Monterey Financial for support?
When Monterey Financial Services purchases your loan from Credova, there are several things you should expect:
Apply
How easy is it to apply?
How do I apply?
How much will I be approved for?
If I am approved, how long is my approval good for?
If I have bad credit, will I be declined?
Payments
How do I make a payment?
How often are payments made?
How much do I have to pay today?
Can I still payoff my contract early?
I can’t reach anyone to make a payment, what do I do?
Checkout
How do I use my approval?
I can’t checkout, what do I do?
I don’t want to use my approval, what do I do?
Virtual Card
How long is my card good for?
Is the Credova Card a revolving line of credit?
Is using the Credova Card secure?
My card expired, what do I do?
How can I dispute a charge?
3 Months Interest Free
How does 3 months interest free financing work?
Are all financing approvals 3 months interest free?
What if I don't pay off my balance in 3 months?
Can I still payoff my contract early, even if it's past 3 months?
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