Applying for financing is easy at Nova Companies! Many of our products can be financed directly through one of our preferred lenders. If a product can be financed, consult the product detail page. If you see a "Financing Button", such as the one shown below, then you can apply for financing!
Simply click that button on the product page, and you will be directed to the secure financing form. Fill out the requested information as completely as possible, and your financing application will be submitted to one of our preferred financing companies! It's just that easy!
If you have any questions, or if you encounter any problems with our financing application, please call our financing specialists at 1-888-299-6682, ext 202, or email us!
Before you apply for credit…
If your credit history is excellent, good or fair we encourage you to apply with us to finance your purchase.
Although we would like to provide financing to all applicants, it isn’t always possible. Our lenders, while not looking for perfect credit, are willing to make credit available to those applicants who meet certain credit requirements. These lenders look at many factors to make a credit decision.
Generally, our lenders will NOT provide financing to those applicants who:
- Have a credit score below 600
- Have open delinquent accounts
- Bankruptcies discharged within the past two years
- Are in Consumer Credit Counseling
- Income insufficient to service your overall debt
- "Overloaded" with credit card debt
- Other significant negative credit information
- Generally, have less than $1500 monthly verifiable gross income
If your credit experiences fall into the above categories or if you are not sure what your credit report shows, we suggest that before you apply for financing through Nova Companies you obtain your own personal credit report from any credit report provider. You can find several of these providers on the internet.
If you are in doubt about your credit history, by viewing your own report you can determine whether or not you should apply for financing through Nova Companies.
We will make every effort to place you with either our primary lenders or our secondary lenders. A few approved applicants may have to pay the higher financing price for the product price rather than the regular sales price – it all depends on your credit history. Occasionally, a down payment may be required.
Your application may be more favorably looked at if all the required application items are completed properly.
