Now given that I have little discipline regarding Airgun purchases, much to the delight of certain vendors! I have seen this payment option at several vendors sites. I’m familiar with affirm at PA. Also PayPal credit. No issues with either. Terms are clear. I can’t complain on either one, I looked up reviews of credoza, and , well, opinions vary greatly, depending on who reviews them. What’s the actual story with this outfit? Are they user friendly, or an evasive, interest trapping outfit? Anyone that has used them, please elaborate on your experience, many thanks!