Before you Credova your zco 2-10....

>The zero-interest promo (typically 90 days) isn't free money—it's conditional and often misleading. You must make minimum monthly payments and pay off the full principal within 90 days to avoid interest. If you miss the window (even by a day), retroactive high interest (up to 98% APR) kicks in on the entire balance, or you're stuck in a lease with escalating fees that can double the cost.

>Many customers don't qualify for the promo based on credit and default to leases, where "zero interest" is a bait-and-switch for hidden add-ons.

>California regulators fined Credova $50,000 in 2024 for undisclosed third-party convenience fees, forcing clearer disclosures.

>Overall, it's not "too good to be true"—it's high-risk financing that profits on penalties, with 132 BBB complaints in 3 years (mostly unresolved billing disputes) and mixed Trustpilot reviews (4/5 from 2K users, praising ease but slamming costs).