Why Does CliqStudios Offer Special Financing?
CliqStudios is currently offering interest-free financing for 12 months through Bread Pay™ on your kitchen cabinet purchase. The reason we offer this special to our customers is so they can create their dream kitchen as economically as possible.
Why’s and How’s of 0% Financing
Interest-free financing helps keep costs down by allowing customers to pay over time without paying more for their projects. While the Bread Pay™ interest-free loan option is only available for the cabinet portion of your project, that’s a significant amount of the overall project cost. Materials like cabinetry are paid for upon checkout, so financing will give you 30 days before you start paying on your purchase.
Is Cash A Better Option?
Using your cash upfront means loss of return on investment so using an interest-free loan gives you the advantage of cash without the loss of return.
Other Advantages of 0% Financing
A kitchen remodel can raise the value of your home, so interest-free financing lets you invest money in one of your biggest assets without added financing costs. Do I Qualify?
Comparing Financing Options
Consider the following two projects with four payment methods: All financial information is an estimate only projected from current rates.
Cost Comparison
Get More Information on Total Remodeling Costs and Financing Options!
| SAMPLE PROJECT A | SAMPLE PROJECT B | |
|---|---|---|
| Cost | $7,500 | $12,500 |
| 12-month, Zero Percent Financing | Total Cost = $7,500 | Total Cost = $12,500 |
| Credit card with current average interest rate 17% |
Total Cost = $8,389 | Total Cost = $13,622 |
| Home equity line with current interest rate 4% There are additional loan fees added to these loans |
Loan plus interest=$7,800 Closing costs $300 Total cost= $8,100 |
Loan plus interest = $12,773 Closing costs $500 Total Costs=$13,273 |
| Cash, but with a loss of 12 months of return on investment. Let’s assume a 5% rate of return |
Loss of $375 return on investment. If there are withdrawal penalties, then the loss could be higher. |
Loss of $625 return on investment. If there are withdrawal penalties, then the loss could be higher. |
