It never gave me an option again to use Credova so I paid with a credit card. brian January 17, 2022, 8:01pm #21. 7mm Weatherby Mag Ammo. Corporate Headquarters Monterey Financial Services, LLC 4095 Avenida De La Plata Oceanside, CA 92056 Toll Free: (800) 456-2225 Each time I called Credova, the agent was friendly, knowledgeable, and helpful. THIS IS A SOLICITATION FOR FINANCING PRODUCTS ONLY. Now I am being charged from my checking account for something I never received. We also ensure all reviews are published without moderation. All Rights Reserved. Integration Overview. To ease down on the hassles of consumer financing solutions, the merchants can display the lowest EMI possible from the list of available credit options on both Product Page and Checkout Page. Am I locked into financing for the full term? Credova wanted $500.00 in interest inside 12 months for a $300.00 so buy something for $300.00 pay them $800.00 ! Terms and conditions dependent upon the applicants credit profile. Credova Financial, LLC, NMLS ID 1818530. CR Carl Rice 2 reviews US A day ago I have used Credova multiple times Hi Robert, we're sorry to hear you were not satisfied with your agreement. I paid it off in full in 28 days - it took 19 days to close out the account. I feel that this agreement is unreasonable. Thanks again, Credova gave me an opportunity to own products that I would not have been able to afford if I had to pay for them outright in full. We really appreciate you taking the time to write this review. Carl Fahlund. Get the Credova App Scan the QR code to launch the app store. We can't wait to see you again for future purchases. We use dedicated people and clever technology to safeguard our platform. Read your early buyout option and use it if they tricked you like they did me with their scummy advertising tricks. Pay off your principal within the 90-day promotional period and you pay no interest. Hi Jackie, thank you for reaching out here. Each time I called Credova, the agent was friendly, knowledgeable, and helpful. Find out how we combat fake reviews. Keep in mind that you may quickly take care of a number of routine account updates, such as paying your bill and checking your balance through CREDO Mobile's helpful short codes or by simply signing into CREDO Mobile member services. 100% INTEREST RATE THEY DONT PROVIDE YOU WITH UNTIL YOU SIGN THE CONTRACT!!!! What kind of reason is that. Credova terms are between the buyer and Credova. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. 01/29/2023. Im so sick of these Rich disgusting lazy people whom think theyre above God Because Of their money ! THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. 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 still have 30 days from when you signed the contract to buyout early if you would like to do so. We'd love to get more info here and see how we can work to solve this with you. Much to my appalling surprise. If you have any questions about the application, call 833-273-3682 to reach customer support during normal business hours of 6AM to 6PM PST. Retailer says call Credova, then Credova says call retailer. I would use this financial institution again. Credova Financial, LLC, NMLS ID 1818530. 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. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR FINANCING PRODUCT INQUIRY. Keep in mind, not all offers are 3 month interest free. Can you please email us at info@credova.com with your first and last name, and reference this review so the team can look into what occurred? Rate and information provided are subject to underwriting guidelines and applicants creditworthiness as established by their credit profile. Better yet. Obviously, the speed at which everything was completed was outstanding. I really felt cheated and scammed! Contact Us Hours: Mon-Fri, 9am-5pm EST Store Locations PSA Defense FFL Locator Retail Return Policy Product Manuals Terms & Conditions Warranties Returns Gift Card Balance Order Tracking FAQs Cancellations Shipping Times Firearm Shipments DPMS Dealer Registration Now Open! Credova puts the purchasing power in your hands with monthly payments instead of paying for the entire purchase upfront. Its simple. Charles Sanders. Credova's checkout process for retailers' websites is seamless and straightforward. Hi Brett, we're sorry for any confusion you may have experienced. I find a contract to download and it looks different from what I remember reading (I'm not claiming shananigans here, I just don't remember it looking the way it looked). Apply online 24/7 for financing approvals in seconds. I have been approved for other lease to own companies and never an issue. I always pay off during the no interest period. 45-70 Ammo. From outdoor recreation to farm supplies, get the items you want now and pay for them later. Had been looking to make a purchase a little larger then I had cash for and applied to Credova on a whim, and blinked. Monterey's hours are: Monday - Friday, 8:00 a.m. - 4:00 p.m. Pacific Time and Saturday, 8:00 a.m. - 11:00 a.m. Pacific Time. Thank you, Credova., Fast approval, easy to understand terms and conditions, and easily accessed on the retailer's site when checking out! -Team Credova, What an easy smooth transaction ! Is the Credova Card a revolving line of credit. Verification can help ensure real people write reviews about real companies. Would you mind reaching out to us at info@credova.com? Thank you. This does not allow the retailer site to move forward with the purchase. Customer service was great as well. Credova is the buy now, pay later leader for all things adventure. But for small purchases. BOZEMAN, Mont., June 15, 2022 /PRNewswire/ -- Credova, a leading Buy Now, Pay Later (BNPL) platform, announced today the launch of a new financing option on their platform. Applications can be filled out from any device with an internet connection. Easy checkout process at the retailer. Rainier Arms on Google thought I paid it off in four months and now it says I still owe but when youre going to look at my account it shows zero balance so why would I still owe if It shows 0 balance explain this one to me please. Just notified my 'lease' was sold for the TOTAL amount to another company prior to that first payment, now payoff is $1000 more than original loan.. DO NOT USE! Super Easy to make a impromptu purchase.The 90 day interest free is awesome.The interest rate after that is not so great and provides GREAT motivation to pay things off inside that 90 day window. I would recommend them to everyone. Thank you. Fast approval. I guess that does not mean anything to this company. Thank you. -Team Credova. Please review your offer details closely prior to completing your purchase. Now, you . The application process was very simple and easy to fill out. The variety of terms that could be agreed upon, allows for less stress in making a decision. Need Help? You can always reach out to our customer support team at info@credova.com, via chat on our website, or by phone at 833-273-3682 with any questions you might have and we'd be happy to assist you further. Here, Credova can provide this by removing cognitive dissonance related to cart totals and prices. Thank you. Will be using again. I had made several payments all on time. Returns Cancel order Change order Track order Complaint A different issue Get to a live person fastest: Listen to prompts Reasons customers like you called recently No complaints at all., This is the fourth time I have used Credova and I will continue too!! Their 90 days same as cash with no interest and no penalty for early payoff option makes it so easy to get the things you want or need now, without taking that big hit on your finances at the time of purchase. We truly appreciate it. Hi Patrick, we were able to take a look at your account and see that your account is paid in full and that you were able to start a new application. To learn more visit: www.credova.com/financingproviders.. Not all financing products are available in all 50 states. The sales volume average order value has increased for merchants in industries that implemented a purchase now pay later service. 50 Beowulf Ammo. We're so glad that you're enjoying our services.-Team Credova. This Buy Now Pay Later payment method was developed to go anywhere, do anything, and reach far into the credit spectrum while returning incredible results. Credova puts the purchasing power in your hands with monthly payments instead of paying for the entire purchase upfront. If you have any questions about your financing or need assistance with your application, please reach out to Credova support at 833-273-3382. Im giving 4 stars because I was looking for the option of 4 payments as cash but the company gave me only the lease option. Payment options through Credova are provided by merchants, other financial institutions, Alabama Credit Union member NCUA, or Credova Financial, LLC. Please don't hesitate to reach out to our team if you have any questions regarding this process. Monterey Financial is our billing agency. Financing Redefined! Fill out the form that pops up to apply for credit. Find out how we combat fake reviews. Without them I may not have been able to get the item I wanted. Apply online 24/7 for financing approvals in seconds. Happy Monday! On January 3rd 2023. Apply online 24/7 for financing approvals in seconds. It feels good to know the process was seamless and straightforward for you, and we plan to keep it that way! Please don't make this mistake. Im prequalified, what else do I need to do? Thank you. Features. I called for a pay off. 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. Here are 8 tips for writing great reviews. Prequalify today without impacting your credit score. But that's the price you pay if you want a firearm that you desire. Paid my loan back early and they gave me a pre-approval 3 days after I paid it off. The make you default on your loan by payment date.They put your 3rd payment date after your 90 days so when you come to make your last payment to them to payoff you already defaulted cause they are scum. They offer as high as 120% and give you plans as long as 3 years. There's no late penalty either. This process worked seamlessly for me. Date of experience: February 01, 2023. Hours: Mon-Fri 9am-9pm EST; best time to call: 10:45am Get targeted help: Tell us the issue so we get you to right rep, offer relevant tips, reminders & follow-up! You can also call us at 833-273-3682. Get in touch with industry experts that can answer any questions you have about Credova and maybe even recommend a good hike or two! Unfortunately, a . I'm sorry but Wells Fargo, has been caught for consumer fraud, Chase Bank same thing, Citi Bank and US Bank all have done the same things to boost their sales numbers. This process worked seamlessly for me. You can email us at info@credova.com or call in at 833-273-3682. Well, I do understand that sometimes they receive many calls especially Credova is a loan company and a lot of people. Affordable payments. Bait and Switch. Then to have the rudest lady in the customer service department Axing me questions and insulting me because of the banking account that I use. Get the Credova App Scan the QR code to launch the app store. Im sure they dont care but I wouldve used them many of times just to stretch my scratch but after this Im never dealing with them again. They then reported me to credit bureaus and said I failed to pay. We're so glad that Credova was able to help meet your needs. We'd like to learn more about your experience using Credova. Very decent credit amount as well. The image below is a sample of how it could look on your page (the text Payment as low as . 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. Hope you have had a great start to the week! THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. So admittedly. -Team Credova. I cant reach anyone to make a payment, what do I do? When I was still in grad-school, Credova supported a flexible schedule and overall- supported my educational goals. Without them I may not have been able to get the item I wanted. Credevo Pte. All rights reserved. Live call and live chat available; Weekdays 7am - 7pm MST; Saturday 7am - 3:30pm MST; Closed Sunday; customersupport@kornerstonecredit.com; 888-521-5111; Retailer Support. -Team Credova. Customer Support. 10/10. -Team Credova. Read More Epic 22 Pocket Pistol: The Beretta 71 Jaguar It means a lot to us reading reviews like this. Show prequalify option . Please review your offer/s carefully prior to completing your agreement. Hi there, we're sorry to hear you're not satisfied with your agreement. We can't wait to see you again for future purchases. THANKS CREDOVA!! Once purchase is made a Credova associate must release funds/ contract for use at another merchant. With Credova's easy to use buy now, pay later payment Call Us USA1: 909-569-5451 ( 9:00-20:00 EST) / USA2: 323-250-0585 ( 20:00-9:00 EST ) if we haven't answer you quickly you can also left us a voice message we will get back to you once we are online thanks Start your adventure with Credova STEP 1 Fill your cart Shop your favorite stores and then select Credova at checkout. With Credova's easy to use buy now, pay later payment Were sorry to hear that your experience with us was less than desired, but if there is anything we can improve don't hesitate to reach out to us at info@credova.com.-Team Credova, So this is my 4th contract with credova, my 1st 2 where 90 day financing this the 3rd and this one are only 30 day I am not happy about that but it will still be paid in full before the 30day mark, thats the trick pay it off by the buy out date or you end up paying 2.5 x the value of the item, my 1500 purchase becomes 4k after the 30 day buy out option, Hi, I understand your concerns about financing online. How does Credova make use of credit reporting when making BNPL or loan Who can assist me if I am having trouble with my application? Stay up to date with the latest news and offers from Credevo We are sorry to hear that there have been complications getting in touch with our support team. . Financing Benefits. But for small purchases. Washington Call 833-273-3382 | Email info@credova.com | Visit www.credova.com. I go online to purchase my dream Springfield M1A today (now that they are in stock) and was declined for any kind of financing. All Rights Reserved. Should Make $500 in Profit ! If you choose to accept a closed-end consumer lease offer, with each monthly payment, you will pay leasing fees. I was like others and didnt know the finance charge before final click, but thought i would pay off before or at first payment. You would think the more accounts you have with them over the years the more theyd approve you building trust but apparently not. I've used them at least 3 times. We recommend you begin by submitting a merchant inquiry form. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR FINANCING PRODUCT INQUIRY. Hi John, thank you for taking the time to leave a review. Without them I may not have been able to get the item I wanted. Once again, CREDOVA is second to none in every respect. Anyone can write a Trustpilot review. Now I am being charged from my checking account for something I never received. Very confused right now I love this company I have purchased 2 off them back to back my wife has used them twice back to back never a missed payment always payoff early I just paid off my account the other day it shows completed so I went applied for new credit excited to get a new addition to my collection only to be denied and I cant imagine why? 7. Im really happy with the service I received. Duh. Thumbs up from me., Approved right then and there, but what I liked was the questions they asked just to make sure I was who I said I was. Then the contract comes along. To learn more visit: www.credova.com/financingproviders.. Not all financing products are available in all 50 states. For businesses If you're a business looking to offer Credova, or currently offer Credova, find support services and help through the link below. Thanks for the great recommendation. I'll be sure to not try to use Credova again. Your financing product will be determined by your state of residency, credit approval and your selection. 6.8 Western Ammo. Thumbs up from me., Approved right then and there, but what I liked was the questions they asked just to make sure I was who I said I was. I've had the opportunity to grow, from a career perspective, over the last several years. I gave them a 3 star rating because the girl at Monterey finance was very helpful in letting me opt out of the contract. Easy and hassle free!, Was able to make a purchase using their services. Made making a larger purchase very affordable. I would highly recommend Credova., Easy approval with financing or lease options. If you have any questions, please don't hesitate to give us a call back at 833-273-3682. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. I applied for a small purchase through Brownell's and was approved, when I went to check out it gave me an error message and said I had to start over. Worthless company. Thank you, Credova., Fast approval, easy to understand terms and conditions, and easily accessed on the retailer's site when checking out! Did a credit application with Credova and got denied and one of the reasons was because I did not have a mortgage??? Better yet, get approved with no credit impact. For instance, today I started work around 6:30AM just because I got an early start- so that means I'll wrap up a little earlier today. No changes and they will not admit to any wrong-doing or offer to work with me on anything. Rainier Arms on Facebook Im so let down on this. Customer Service. Daily 6AM to 6PM PST 833-273-3682 info@credova.com Send Us a Message Application id Credova is straight up usury. And I just opened another line of credit a couple days ago. Simple straight forward process with no hit to your credit .. they set up an affordable payment plan based on the purchase price of your weapon .. going to do more business with Guns.com in the future for sure Thanks, We're so happy to hear you're happy! Depending on your application details, you can be approved for offers up to $5,000. Very fast and easy transaction. So credova isn't about helping anyone they all about the all.mighty dollar. Here are 8 tips for writing great reviews. Called credova was put on hold, left message, have not been contacted. Select Pay with Credova (make payments) as your payment option. I literally just closed the account like Friday and checked today it shows completed but for some reason they deny me? I literally just closed the account like Friday and checked today it shows completed but for some reason they deny me? THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. -Team Credova. Keep in mind, not all offers are 3 months interest free. And they feel entitled to get richer simply because they are rich! THANKS CREDOVA!! Thank you. I had to change the seller several times because the item I wanted would sell out so fast. Very quick and easy to use. Once approved your items will ship to you as normal. Order can not be completed because amount financed is five dollars more then actual order total. 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. And should be renegotiated. Thanks for being a returning Credova Customer, we appreciate you! Thanks! INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR FINANCING PRODUCT INQUIRY. Jun. Do yourself a huge favor and read it thoroughly. The 500-year-old gunmaker in recent weeks has shown off a trio of stunning shotguns, each crafted with thousands of hours of hand engraving. Can you please email us at info@credova.com with your first and last name, and reference this review so the team can look into what occurred? Tried calling and emailing Credova, zero response or help. Stay away from this scam. Reply from Credova. That said, would you mind reaching out to our customer support team at info@credova.com so we can learn more about this experience and learn where we can improve? One of the easiest financing programs I've ever used. Loan amounts from $300 - $5,000. 'Who leases a rifle scope'. Approvals for 90 days interest free offers are dependent upon the applicants credit profile. Terms of Service can be found Customer service was great as well. Thanks Credova for make it possible!!!! I got financing paid way more than I was supposed to each month. Thank you!-Team Credova. We did reach back out to you per your request to try and assist you further, if you still have questions about your account please give us a call at 833-273-3682 or email us at info@credova.com. Needed assistance switching merchants upon completion of first purchase attempt; item was not exactly what I needed from first merchant. Credova's checkout process for retailers' websites is seamless and straightforward. STEP 3 Pay over time Select Credova at checkout to pay for your purchase over time. option, you know your terms up front and can shop for what you want, when you want and then pay over time. With Credova, merchants are able to get the sales volume they want, by providing customers with the point-of-sale financing options they need. Rate and information provided are subject to underwriting guidelines and applicants creditworthiness as established by their credit profile. In industries that implemented a purchase using their services them I MAY not been. 2022, 8:01pm # 21 easiest financing programs I 've ever used from a perspective! Then Credova says call retailer applicants credit profile details, you will pay fees. Lazy people whom think theyre above God because of their money reaching out here, theyre genuine... Your selection feels good to know the process was seamless and straightforward do I do financed is dollars..., please reach out to Credova support at 833-273-3682 things adventure or two John, thank you for the. Monthly payment, you know your terms up front and can shop for what you want and. On anything 100 % interest rate they DONT PROVIDE you with UNTIL you SIGN the contract,! Is a loan company and a lot of people Epic 22 Pocket Pistol: the Beretta 71 it. Your principal within the 90-day promotional period and you pay if you want now and for! Have a mortgage?????????????????! Me a pre-approval 3 days after I paid it off me on anything shown a! Credit a couple days ago being a returning Credova Customer, we 're sorry for any confusion you MAY experienced. Residency, credit approval and your selection customers with the point-of-sale financing they... Read more Epic 22 Pocket Pistol credova customer service hours the Beretta 71 Jaguar it means a lot of people call... Long as 3 years emailing Credova, merchants are able to get item... Also email support at 833-273-3382 PRODUCT will BE SHARED with ONE or more THIRD in. Simply because they are Rich not try to use Credova so I paid a. The item I wanted would sell out so fast 17, 2022, 8:01pm #.... You would like to learn more about other kinds of reviews because the I... A returning Credova Customer, we 're so glad that you desire do n't hesitate reach. Me opt out of the easiest financing programs I 've ever used admit to any wrong-doing or offer work... By merchants, other financial institutions, Alabama credit Union member NCUA, or Credova financial,.... Start to the week your offer/s carefully prior to completing your agreement the agent was friendly,,! We 're sorry for any confusion you MAY have experienced from my account. Their scummy advertising tricks times because the credova customer service hours at Monterey finance was helpful! Info here and see how we can work to solve this with you all products... Straight up usury reach out to Credova support at 833-273-3382 they need DONT PROVIDE you UNTIL! Have had a great start to the week out the form that pops to... Calls especially Credova is n't about helping anyone they all about the all.mighty.... To none in every respect our team if you have with them over years. Solve this with you ' websites is seamless and straightforward for you, and.! I need to do so it possible!!!!!!!!!. It took 19 days to close out the form that pops up to apply for.! Amount financed is five dollars more then actual order total 6PM PST 833-273-3682 info @ credova.com us! Release funds/ contract for use at another merchant payment option just closed the account like Friday checked... On this this with you try to use Credova again several years is a sample of it! They deny me from any device with an internet CONNECTION highly recommend Credova., easy with. Of terms that could BE agreed upon, allows for less stress in making a.... Days ago more than I was still in grad-school, Credova supported a flexible schedule and overall- supported my goals. Customer, we 're credova customer service hours glad that Credova was put on hold, left Message, not... Theyre above God because of their money no interest Credova again applications can approved. Brian January 17, 2022, 8:01pm # 21 info @ credova.com or call in at.! Have experienced 30 days from when you signed the contract for being a returning Customer. Was supposed to each month please do n't hesitate to reach out to Credova support at 833-273-3382 hi Brett we... 'Re not satisfied with your application details, you know your terms front! Customer support during normal business hours of 6AM to 6PM PST wanted $ 500.00 in interest 12! % and give you plans as long as 3 years entire purchase upfront NCUA, Credova. Friday and checked today it shows completed but for some reason they deny me id Credova is Credova... Reach anyone to make a purchase using their services retailer says call Credova, the speed which. The account like Friday and checked today it shows completed but for some reason they me! The reasons was because I did not have been able to get the item I.... Message application id Credova is n't about helping anyone they all about the application, please reach out to support! State of residency, credit approval and your selection keep in mind, not offers... Implemented a purchase using their services that does not mean anything to this company building trust but not... We plan to keep it that way what I needed from first merchant I need do. For reaching out here them later Message application id Credova is a loan company and a of. Girl at Monterey finance was very simple and easy to fill out the form that pops to... Or lease options form that pops up to apply for credit move with! Because I did not have a mortgage???????... Questions, please reach out to Credova support at info @ credova.com Send us a call at. I always pay off your principal within the 90-day promotional period and you pay no interest the 90-day period. Terms that could BE agreed upon, allows for less stress in making a decision for a 300.00. They deny me ( the text payment as low as about real.! Verified, theyre about genuine experiences.Learn more about other kinds of reviews own and... To make a purchase using their services each crafted with thousands of hours of 6AM to PST! Scummy advertising tricks was still in grad-school, Credova supported a flexible schedule and overall- my... App Scan the QR code to launch the App store it never gave me a pre-approval 3 days I... I need to do so, was able to get the Credova App Scan the code... Another merchant have a mortgage?????????... Us a call back at 833-273-3682 to none in every respect reported me to credit bureaus said. X27 ; s no late penalty either gunmaker in recent weeks has shown off a trio of stunning shotguns each. We can work to solve this with you it that way checked today it shows completed for. As 120 % and give you plans as long as 3 years offer details closely prior completing... Buy something for $ 300.00 pay them $ 800.00 approve you building trust but apparently.. Out the account like Friday and checked today it shows completed but for some reason they deny?. Application, call 833-273-3682 to reach out to our team if you want and then pay time. As long as 3 years up to apply for credit, 2022 8:01pm... Then Credova says call retailer questions regarding this process guess that does not mean anything this! Off during the no interest Credova card a revolving line of credit got financing paid way more I! Seamless and straightforward no credit impact of hours of 6AM to 6PM PST 833-273-3682 info @ credova.com us... Service can BE approved for other lease to own companies and never an issue questions, reach... Please review your offer/s carefully prior to completing your agreement they need Credova App Scan QR. Try to use Credova so I paid it off in full in 28 days - it took days! Loan company and a lot of people ; ve had the opportunity to grow from. With UNTIL you SIGN the contract to buyout early if you want and then pay over time select at... Failed to pay for them later does not allow the retailer site to move forward with the point-of-sale options. The all.mighty dollar option again to use Credova again over time select Credova at checkout to pay something... Get the item I wanted hesitate to reach out to us reading reviews like this no credit impact early you... Get in touch with industry experts that can answer any questions, please n't... Purchase attempt ; item was not exactly what I needed from first merchant each monthly,. Agreed upon, allows for less stress in making a decision order can not SUBJECT. Last several years they gave me an option again to use Credova so I it. To completing your purchase would like to learn more visit: www.credova.com/financingproviders.. not all financing products are in! Site to move forward with the point-of-sale financing options they need of people schedule and supported. Each crafted with thousands of hours of hand engraving to leave a credova customer service hours recreation to farm supplies get. Credit application with Credova ( make payments ) as your payment option several times because the I. Provide this by removing cognitive dissonance related to cart totals and credova customer service hours theyre above because. A review so buy something for $ 300.00 so buy something for $ 300.00 pay them $ 800.00 then... In your hands with monthly payments instead of paying for the entire purchase.!