CRATE Financing Options

CRATE Financing with GreenSky

Perhaps kitchenCRATE and/or bathCRATE are the perfect fit for you:  your kitchen cabinets, countertops, and backsplash need new life, or your shower is impossible to clean, your plumbing fixtures are dated and your vanity is oh-so-ugly and you love the CRATE price point.  (You certainly weren’t looking forward to the $40,000+ price tag that normally comes with a full kitchen or bathroom remodel.)

Perhaps you need your kitchen and/or bathroom remodeled now but would like to delay interest payments for 6 months.  After all, who wouldn’t want to enjoy their beautiful new project, interest-free for as long as possible?

That’s why CRATE now partners with GreenSky Home Improvement Loans, one of the nations largest home improvement lenders!  Their NO interest for 6 months program is an amazing deal.

Or perhaps you’d like to use Greensky’s 90-second application process for a more traditional, 84-month loan.  We can do that too!

How It Works

Here are the steps to securing this financing:

  • Step 1: Schedule your CRATE phone consultation by clicking here or calling 888-995-7996.
  • Step 2: Conduct your free In-Home Consultation with a member of the CRATE sales team.
  • Step 3: Once you review the proposal, ask your sales representative about GreenSky and how to apply.
  • Step 4: We’ll email you all the instructions needed for the 90-second online loan application.
  • Step 5: Should you qualify, in just minutes you’ll receive notification of approval!

Yes, about as easy as applying for a credit card!

CRATE Financing in Stanislaus and Merced Counties

Perhaps kitchenCRATE and/or bathCRATE are the perfect fit for you:  your kitchen cabinets, countertops and backsplash need new life, or your shower is impossible to clean, your plumbing fixtures are dated and your vanity is oh-so-ugly and you love the CRATE price point.  (You certainly weren’t looking forward to the $40,000+ price tag that normally comes with a full kitchen or bathroom remodel.)

But perhaps you’d prefer to spread the cost of your CRATE project over a few years.  After all, who wouldn’t want to keep the savings account full for a rainy day?

The Benefits

That’s why we’re so excited to partner with Mocse Credit Union!  Here are the details of their owner-occupied Home Improvement Loan program:

  • No equity requirement
  • Low, fixed interest rate as low as 7.00% (1)
  • Loan terms up to 84 months (1)
  • Loan amount up to $25,000 (1)
  • Fees as low as $100
  • Most applicants find out about approval within two business days of applying
  • Note: A lien is recorded on your home (2)

That’s right: in just a few days you could be on your way to a kitchenCRATE for just a few hundred dollars per month.

Payment Example

Here is a hypothetical example of a customer using this financing option:

  • KitchenCRATE price: $15,000
  • Interest Rate: 7.00% APR (1)
  • Term: 84 months (1)
  • Payment: $226.50 per month

Wow, a new kitchen for less than a car payment.  Not bad.

How to Apply

Here are the steps to securing this financing:

  • Step 1: Join Mocse Credit Union by  visiting their Modesto, Turlock or Sonora branches.
    • You must live, work, worship or attend school in Stanislaus, Mariposa, Merced or Toulumne counties (or click here for some additional ways you can qualify for membership.
  • Step 2: Apply for the Home Improvement Loan.  You can do that by visiting a branch or by calling 209-572-3600 or 800-44-Mocse.
  • Step 3: Mocse will contact you within two business days.
  • Step 4: Once approved, Mocse will pay you direct.  Once your kitchenCRATE project is complete, you pay kitchenCRATE!
  • Step 5: Mocse will service your loan for its duration.

Yes, about as easy as applying for a credit card!

The Details

Here are a few more important details:

  • Your loan agreement will be directly with Mocse Credit Union.  KitchenCRATE, bathCRATE, Trinity Renovation, Inc. nor any partners or employees of said companies benefit financially from this loan transaction.  This is simply a loan product offered by Mocse for your convenience.
  • You must occupy the home on which you are obtaining this loan.
  • You must live, work, worship or attend school in Stanislaus, Mariposa, Merced or Toulumne counties.  (Click here for some additional ways you can qualify for membership.)

(1) Based on borrower’s credit qualifications.  Rates and terms effective 09/26/13 and subject to change without notice.
(2) A lien is recorded on your home.  The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes; and consult a tax adviser for further information regarding the deductibility of interest and charges.

CRATE Financing in San Joaquin County

Perhaps kitchenCRATE and/or bathCRATE are the perfect fit for you: your kitchen cabinets, countertops, and backsplash need new life, or your shower is impossible to clean, your plumbing fixtures are dated and your vanity is oh-so-ugly and you love the CRATE price point.  (You certainly weren’t looking forward to the $40,000+ price tag that normally comes with a full kitchen or bathroom remodel.)

But perhaps you’d prefer to spread the cost of your CRATE over a few years.  After all, who wouldn’t want to keep the savings account full for a rainy day?

The Benefits

That’s why we’re excited to partner with Premier Community Credit Union! Here are the details of their Signature Loan program:

  • No equity requirement
  • Low, fixed interest rate as low as 8.99% (1)
  • Loan terms up to 60 months (1)
  • Loan amount up to $20,000 (1)

That’s right: in just a few days you could be on your way to a kitchenCRATE or bathCRATE for just a few hundred dollars per month.

Payment Example

Here is a hypothetical example of a customer using this financing option:

  • CRATE price: $15,000
  • Interest Rate: 8.99% APR (1)
  • Term: 60 months (1)
  • Payment: $311.47 per month

Wow, a new kitchen or bathroom for less than a car payment.  Not bad.

How to Apply

Here are the steps to securing this financing:

  • Step 1: Apply for your loan at www.premierccu.org/loans.  Once the loan is approved, you can join Premier Community Credit Union by visiting their Stockton, Lodi or Manteca branches.
    • You must live, work, worship or attend school in San Joaquin county to qualify for membership.
  • Step 2: Premier Community will contact you within two business days.
  • Step 3: Once approved, Premier Community will pay you directly.  Once your CRATE project is complete, you pay kitchenCRATE or bathCRATE!
  • Step 4: Premier Community will service your loan for its duration.

Yes, about as easy as applying for a credit card!

The Details

Here are a few more important details:

  • Your loan agreement will be direct with Premier Community Credit Union.  KitchenCRATE, bathCRATE, Trinity Renovation, Inc. nor any partners or employees of said companies benefit financially from this loan transaction.  This is simply a loan product offered by Premier Community for your convenience.
  • You must occupy the home on which you are obtaining this loan.
  • You must live, work, worship or attend school in San Joaquin County to qualify for membership.

(1) Based on borrower’s credit qualifications.  Rates and terms effective 04/01/14 and subject to change without notice.

Questions on this financing option?  Feel free to call Premier Community Credit Union direct at 209-235-1100 or 800-731-4477.  Their super-helpful staff would be more than happy to answer additional questions and walk you through the application process.

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