Financing firearms. Credova finance is a scam. Save your money. Canik tp9fsx

[@alaskanman825]

Man I'm so sorry to hear that, i really hope you found a way to beat them. I was looking into using it but now I'm not. Looks like I'm doing it the old way. Thank you for taking the time to warn us

[@nickc7540]

Thank you. I almost finance for a new gun with credova. You saved me with the pain of over paying. I will just stick with layaway or out right pay full for the gun.

[@dolce2387]

Sportsman’s guide or Sezzle are interest fee no credit check 4 months payments 25% of the purchase I promise it’s now no catches to it

[@dolce2387]

Check it out you will love me later

[@romanramirez7091]

Same shit damn near happened to me. I was able to clear the whole mess up but they had me jumping through fucking hoops until the agent from Monterey financial ended up realizing that I was still well within the time frame to pay off the gun I financed. I wanted to reach through the phone and slap the shit out of them😂

[@Cheddar12337]

Thanks man. I was wanting to order a gun a few days before my check came. After watching a few of these videos I'll just wait.

[@jtnoodle]

I almost bought $2K worth of shit from Palmetto using the Credova option. Something made me stop and rethink it. Glad I did.

[@fame45stunnaz]

Coulda paid it within the 30 days and not pay the finance fees. People need to read contracts they sign

[@tharockefeller]

If I pay within 30 days do I ONLY pay the 1206 total of my gun? Or do they a hidden fee after that when I call them?

[@fame45stunnaz]

@@tharockefeller I just paid the total balance of the gun didn’t pay anything extra

[@tharockefeller]

@@fame45stunnaz then u called them and told them before the 30 days was over so they know u paid it that way?

[@fame45stunnaz]

@@tharockefeller yes I told them I wanted to 30 day payoff before it was too late and they added interest

[@sterlingmack5394]

@@fame45stunnaz so u paid the residual?

[@dillonc7955]

Last year, I bought my first gun from Credova and made a couple of payments towards it, paying enough per payment until recently when my account kept having errors every time I went to make a payment, let alone while logging in. Here's hoping my fee won't shoot up for being late despite being unable to log in. Luckily the 2nd gun I bought is on my regular credit card, otherwise I'd be owing stupid amounts of money to an unreliable service. Like the man said, layaway at your local stores or simply wait until you have the actual cash ready. Don't go out and trust a sketchy and unreliable service with your banking information.

[@natureknows7413]

Avoid them like the plague...

[@staxrose4800]

Damn I really was thinking about buying 1,000 rounds of ammo through credova and want it now for stockpiling but I’m glad I took the time to do research and be smart about it instead of being impatient

[@T1374]

Thanks for the heads up. I was about to purchase a $1000 Sig through them. I'll just save up

[@frederickjohnson2443]

Thank you for the video. They changed the terms to 30 days instead of 90 days. This saved me from paying $3,300 on a $1,200 purchase

[@rendezvous777]

I'm glad I watched this. I was so confused when they showed me my total payments would be like $900 for a $400 gun. It's a wild business plan. Predatory as fuck

[@sixsixman4052]

Going through this right now. DO NOT EVER EVER USE CREDOVA! Come to find out Moneterey wasn't even licensed to do business in my state until well after they had my loan.

[@terrybarnes0712]

Thanks for the Info was gonna Buy a Gun Through Classic Firearms with Credova but i was not trusting Credova now i'm glad i didn't Purchase the Gun Have a blessed day

[@jencycarmenate3190]

Man, I just saw your video and I made a purchase a buds using the finance Credova and you were right 100% if I didn’t pay within the 30 days the finance charges and everything else would’ve total $1600 on a $500 gun. Wow buds and all those companies that use Credova should be ashamed of themselves bunch of fucking thieves. If anybody’s reading his comments, do not use Credova and if you leave a review on any of the companies under Qdoba like buds, or any other company that uses credova. Thank you thank you thank you for your video warning us about this guy completely right.

[@MCWordicus]

The disparity between credit companies is wild, thought about using Credova since I had such a good experience with Affirm, 0% interest and no pay off penalty. Glad I started looking at review of this scummy company, surprised there hasn't been some sort of class action lawsuit against their practices, especially if they're buying loans and applying their bs fees.

[@yenzahslerrah3939]

Affirm doesn't let you buy guns...but I think Zip does in 4 payments

[@MrScott3060]

So where can you get free financing? LOL Its like anything you finance your going to pay more than the item is worth. If you buy a house for $100,000 and have a $700.00 per month payment you will end up paying 252,000 after 30 years. let me know where those free financing Banks are????

[@universallaw8850]

Thank you sir for this public service announcement i was already like hell no after i added up the end total of a $1,370 tavor ts 12 it came out to $2,750 after 24 months thats highways robbery.

[@codebebop]

Thanks for your sacrifice brother 🙏❤. I will avoid them.

[@iViCMychael]

I learned this the hard way, now I have to pay double the money for a fucking hellcat gun

[@dolce2387]

Sportsman’s guide or Sezzle are interest fee no credit check 4 months payments 25% of the purchase I promise it’s now no catches to it

[@dolce2387]

You will love me later ❤️

[@dolce2387]

Trust me

[@ShrimpleLife]

Thanks for posting this video, I was just about to go into a $850 purchase.

[@russrtspooling7702]

I almost bought a AK with this and I read the small print and was like hell no I would have paid over double for that gun. And it was the lease thing that made me question should I do this.

[@vincentdivita7800]

You're still a hero. Thank you for sharing the experience. Thought for a minute It would save me on interest using it instead of my card for a deal that won't last til next payday. This has to be some kind of anti 2A company trying to ruin people at a particularly vulnerable time if what yall say is right. Everyone in the comments tells the same story. Never heard of them before the pand.

[@ferberb9662]

A man i almost made the mistake of doing this today for a berreta apx compact for 400 dollars good thing I researched this Cordova scam thanks for your video.

[@atreidesn7384]

Same thing happened to me but it was just forearm parts. $395 monthly payments already eclipsed the purchase price; yet my “principal” is $370! Wtf

[@FreaKay-i5k]

I wish I’d found your video before I used them. I’m in the same boat.

[@juniorgarcia7375]

Kinda similar thing happen with my subwoofer system I didn’t pay it off within the time frame and a $1000 set up turned into $2000 set up it’s in the contract just gotta read and pay attention!!!!

[@navyvet7138]

yeah I had a friend go thru Monterey and the total of the guns was only $1000 and they ended up paying $2900 by the end of the contract. Thats dam near 3 times the amount financed.

[@josephp8712]

Glad I saw your video. Thank you. I almost did it with Daniel Defense

[@AnthonyIsToeKnee]

Thank you for the heads up. I almost got excited. 😅

[@ryanthomas2374]

its a lease.. basically financing with no early pay off. if you try to early pay off they still stick you with 75% of the charges they would have cost you. They also dont have to disclosed the APR because its a lease and not technically finance.

[@JR-fz5uh]

Read the contract. I used the early buy off and made enough payments to pay off interest free in 35 days. Clearly states after the 35 days you will encounter interest

[@tharockefeller]

Isn’t it 30 days? I need to do this right now but will they have extra fees or JUST the 1206 I owe ?

[@cassondrarey1424]

For sure they have extra fee they gotta make their money but I think it’s only like $50 I’ve bought an AR with ammo and a case. Paid that off and now I bought a 9mm and about to pay it off

[@sterlingmack5394]

@@tharockefeller 30 days

[@sterlingmack5394]

@@cassondrarey1424 but was it taken off of credit report once u paid it off?

[@ripant3165]

@@sterlingmack5394 I read my contract and it says 90 days I’m confused

[@MuvaSlim]

I wish I would’ve researched this company two weeks ago 😢 I’m in the same dilemma.

[@brewer956]

Ive been approved for credova but i haven't spent any money yet , they want charge me if i dont spend any money right ?

[@alskinner85]

This is facts, I bought a gun using them for sub 800 and end up paying an extra 1000, so roughly 1800 for a 750 dollar gun.

[@lilcowboy6067]

It's called high rate interest in trade for having what you want before you do the work for it

[@lilcowboy6067]

I ain't gotta gun so it's probably worth the interest if I were to need one now and not have the money, right?

[@StevenRobitaille]

No get a cheap gun sumthrn worth like 200$ or less if u really want justa. Gun quick there's nice pistols 22lr and stuff like that for that price

[@FADOJUICE]

Well couldn’t I still use it and ask to pay it off within 30days ?

[@nobleeagle7661]

Credova instantly approves you but the final process requires your banking info, account and routing number. 🤔

[@casperaudi7476]

Thank You Thank You Thank You I almost proceed with this company so I did ask questions and Yes it’s call Montary financial I call and ask more questions lucky I didn’t do it and I seen your video I am so glad I didn’t commit to this company will share this video to others 👍👍👍

[@TrdTodd]

Thanks for the warning it is a huge help!

[@ImNOTfromthisplanetITT]

Bro it sounds like you didn't pay it within the three month period. Anything after three months with incur interest.

[@jackreacher6811]

No sir they do this a lot. More like you have 90 days if credova keeps it. but the truth is you have 30 before they consider selling it to someone else and you better hope the honor your remaining 60 days🤣

[@Terryteages]

@@jackreacher6811 appreciate the info!

[@ultrad27]

I've had no trouble with them. I made sure to make the monthly payments and I paid it off during the 90 days period.

[@demikpre]

@@ultrad27 do you listen, they sold off his account from start and the new company was playing games. There's a good chance they're same company and they sell x amount of accounts to purposely slap people with the interest

[@dopeboy188]

Credova and that M company is the same you can pay either one, I just paid off my gun within the 3 months interest free, only thing I’m pissed about them not letting me get a new loan when my credit has done nothing but go up, probably because I paid it off quickly

[@stanp3485]

Just learned my lesson 571 turned into 960 i didnt read the fact its a LEASE not finance got on the phone yelled WHO TF WANTS TO LEASE A GUN!!! end up doing early purchase opt,

[@Road2Richies]

I mean anywhere you get the product before you pay for is that way rent a center wants 1100 for the ps5 in the end comes out to be dang near double. This selling to a 3rd party soon after contract sounds sketchy asf

[@W.Edwardovich]

$1200 for a canik. That’s rough

[@driftracing08]

I using credova right now and what the total amount is that I could get another one of the same hand gun and It's like you are paying for 1 for the price of two and they are going to have up that at the end of the lease you choose the option to turn it in or you or you can just keep it because you have paid for it and leasing is just a big scam and I'm just going to pay it off and just use my credit card to buy guns next time

[@MrBoriqua2000]

Wow, i almost purchased the staccato cs using credova.

[@mkultravibes7763]

Having bought a gun through grab a gun in the past it though it was the same process just different company . I don’t want no damm lease and paying double the worth !!! How is this even a lease

[@seang1032]

Thank you for the information.Also I would never sell that firearm considering how much you spent.

[@colonelcalabash1]

Thanks for the heads up.

[@JohnDoe-bg9py]

how long did you wait to pay it off?

[@hiimdrereed3522]

About 2 months. By they added on he extra fees 1 week after the purchase

[@ultrad27]

@@hiimdrereed3522 did make your monthly payments?

[@hiimdrereed3522]

@@ultrad27 yea, I knocked all the payments out. Finally!!

[@dylanvedia6705]

Good looking out... 👌 I'll just stick with layaway

[@ZHud]

Hell I just about did the same thing. Thanks for the good look.

[@Obzcure214]

Wow thanks for the heads up bro..how do you like the firearm canik tp9sfx?

[@hiimdrereed3522]

Honestly, it was worth every penny.

[@irishburgerking4818]

Layaway at an FFL is much better than Credova or anything else like that.

[@bishopgrim3087]

Just happen to log on to my account through montery. Was going to end up paying an additional 1000 for a 700 dollar gun. Was luckly able to pay it off before it was to late. There interest rates have gone up since this video was made

[@genedhallinc]

Thanks

[@karrarhussein5436]

Thank you for info 👍👍👍

[@Israel777]

Good informative video fam✊🏿

[@chapowiththesticks]

Ok almost used that shit for some sights lol thanks for the video

[@anthonybanks7735]

Thank You For This!!!

[@hungryisland1702]

Awesome advice brother thank you

[@thurstonliggians5628]

What was mentioned on the contract as it relates to the interest rate that you were being charged?

[@d34thfr3nzy3]

Thanks for this.

[@flightinseptember4438]

If you can’t buy it cash don’t buy it at all

[@inunez7271]

I just bought a gun this week using Credova thinking I can pay it off within 90days no big deal decided to look at my contract for buy out option turns out I only have 30 days good thing i basically have an full check so I should be able to pay it in full before the 30days

[@Terryteages]

So what happened to the 90 days? Glad I came on here, was about to use them.

[@tharockefeller]

Did u have to call them after u paid the full amount in 30 days and they cancel the rest out ?

[@inunez7271]

@@tharockefeller Yes but it was to double check that they actually did cancel the interest. Side note the interest they charge is insane. It was something like a little more than double the price than the original price of the gun.

[@sterlingmack5394]

@@inunez7271 u got charged twice the amount?

[@inunez7271]

I would’ve if I made the monthly payments but because I paid whatever it was that I borrowed within the 30days. I just paid for the of the gun.

[@CAP-t5y]

Shit it's 2023 Sept 21 I jus made a 2 gun purchase through the finance option to test its credibility I'm worried now😂😂😅

[@dolce2387]

I just blessed yall your welcome 🤗

[@skionen1781]

Good info. Thanks

[@NoMerxySlimk2002]

Thank you ima just save😭

[@redbullninja11]

maybe you should read the terms of your contract before signing it... lmao

[@drippin_sauce9874]

Almost made the same mistake

[@JW-uq7zp]

Wow

[@tredlife1923]

Good info👍🏽👍🏽

[@hazelynjaredsdad9781]

Bro you’re wrong. My gun after tax was $1,431.29 and I did not pay interest at all because I paid it off within the 90 day period. Order your guns through sportsman outdoor and you’ll thank me later!

[@javierjacobo7916]

I buy my guns cash, it’s better if you save up for it in my opinion

[@sandman93449dm]

Yes, today I was on Classic Firearms...the have VZ58 a great gun..1700 and change..out the doorl, shipped and taxes and insurance 2 thousand...Credova financing...87.80 for 36 months comes out to over 3 thousands dollars..that IS FUCKING INSANE...THAT IS MADNESS THAT IS A FINANCING CHARGE OF 33 PERCENT PLUS..RIP THE FUCK OFF.

[@socialmedia5534]

It's okay if you pay within the month and know you'll get another check or 2 before then

[@eman3414]

Good I seen this.

[@clintmiller88]

yeah a 649 dollar gun was 137 a month for 12 months lol... do the math nah bro Ill pass.

[@rockstorm4381]

Academy offers Klarna which is much better. 4 payments that must be paid every 2 weeks, then its done. No hidden fees or surprises.

[@RockfordF150Bass]

Question on Academy and klarna. I don't have one in my state but are they still able to ship to my ffl or ship to my home for ammo purchase? All I see is they say we can ship to the nearest Academy. Any help is appreciated 🙏

[@dolce2387]

Sportsman’s guide or Sezzle are interest fee no credit check 4 months payments 25% of the purchase I promise it’s no catches to it

[@RockfordF150Bass]

@@dolce2387 thank you for the info 👍

[@ultrad27]

Klarna doesn't work on firearms.

[@alexandermontoya1105]

@@ultrad27 it did for me and for a buddy as well.

[@ShadoWielder321]

I already ordered

[@Tulare73]

How did it work out for you? I hope it worked out well.

[@ShadoWielder321]

I paid it before it started, unfortunately not everyone is in a position to do that they double the cost of the products which is just absurd. Personally wont use it again.

[@Tulare73]

@@ShadoWielder321 I Ordered a pistol yesterday using this service, like your self I’ll be paying this off in full before the first bill is due.

[@Hubcitymediaoutlet]

Pay off in 3 months and you’re good 😊

[@fishingculture9125]

how much DO YOU THINK MY DOG IS WORTH? not 5k like the page said! my dog is prince of this Dog generation trust me! i am not rich but i guess i may be rich because FK ME this payments not even my parents did to get me college or a car or a house or a nice condo you name it.

[@nonameplease9323]

Why finance guns? Lmao if anything get a 0% apr cc and go that route…..

[@MasWasThere]

AND not to mention, they’ll the put the amount you “owe” them on your credit report! Not worth it, such a scummy company. Best to patient and save up or use Sezzle or Affirm if that’s an option, cause you’ll really owe the actual amount of the product you’ve purchased through them. SMH

[@sterlingmack5394]

Bruh once it’s paid off within the 30 days, don’t they remove it from equifax?

[@krazor8]

Bruh dead ass use sezzle at cabelas 0% interest if u get sezzle up

[@lamaridelbridge9601]

sezzle app is better

[@support_system24_7]

Thanks