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COCOJOR Q&A ON MINICLE MICRO BUBBLE FINANCE OPTIONS

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A Note from Cocojor About Our Value & Payment Options 💧

Our Commitment

As a passionate, owner-operated small business in Hawaii, we are dedicated to making the revolutionary Minicle® Bubble technology accessible—while always upholding the premium quality and service our customers deserve.

Why Our Financing Matters

In today’s high-interest economy (with average credit card APRs above 20%), Cocojor’s exclusive 12-month, interest-free financing is truly special. This option allows you to spread out payments without the heavy burden of credit card debt, while also helping us balance the rising costs of card processing fees.

What Makes Cocojor Unique

The Minicle® Bubble system isn’t just a machine—it’s a complete wellness solution built on nearly two decades of expertise. Monica Shigenaga, Cocojor’s founder, is the world’s only authority on Minicle® Bubble technology for pet health and skincare. Her pioneering work ensures that every Cocojor solution is backed by authentic experience and unmatched knowledge.

Your Investment Includes

  • Patented, Japanese-manufactured Minicle® Bubble technology

  • Exclusive access to our Skin & Health Course

  • Ongoing education and personal support from the industry pioneer

  • Premium quality designed to retain long-term value

The Cocojor Difference

When you choose Cocojor, you’re not simply purchasing a product—you’re investing in a proven system of care and proprietary knowledge that no other company can offer. Our educational platform and therapies reflect our philosophy that true wellness should feel heaven-sent.

A Personal Thank You

By supporting Cocojor, you are helping us maintain fair pricing while continuing to innovate in the world of pet wellness. Your trust fuels our mission to deliver only the highest quality solutions for the pets you love. 🐾

 

FREE DISCOVERY CALL

(Please read carefully) 

Cocojor Minicle® Micro Bubble Payment Plan – Financial Options

Congratulations on taking the first step toward bringing the Minicle® Micro Bubble system into your care practice or home. To date, every individual who has applied for financial assistance has successfully obtained a Minicle® Micro Bubble machine.

Approval for payment plans is not guaranteed for all customers, as it depends on factors discussed during your discovery call assessment. Please note: Cocojor never requires access to your financial records.

Payment Options

  1. Full Payment

  2. Cocojor In-House Loan

  3. Afterpay

  4. Klarna

Full Payment Benefits & Advantages

Accepted Methods (No Processing Fee):
☐ Cash ☐ Personal or Business Check ☐ Cashier’s Check ☐ Money Order ☐ Wire Transfer

Special Benefits of Full Payment

1. Financial Advantages

  • Save 4% instantly by avoiding credit/debit card processing fees

  • No monthly payment management required

  • No risk of late payment fees

  • Immediate ownership of your Minicle® Bubble system

  • Avoid credit card APRs that now average 20–23%, saving you hundreds or even thousands of dollars in avoided interest charges

2. VIP Access Benefits

  • Instant access to the Cocojor Classroom VIP portal

  • Priority scheduling for support and consultations

  • Exclusive access to special events and workshops

  • Early access to new product launches

3. Additional Perks

  • Priority shipping status

  • Exclusive coupons and VIP newsletter subscription

  • Direct access to the VIP customer support line

💡 Tip: Use cash, check, money order, or wire transfer to avoid card processing fees and maximize your savings.

Cocojor In-House Loan – Zero Interest for 12 Months

This is a limited-time, mutual finance agreement created to help our valued customers during challenging economic times. As a small, owner-operated business, Cocojor is extending this option as a courtesy to make Minicle® ownership more accessible.

Fee Disclosure

  • A 4% service fee applies only to credit/debit card transactions

  • This fee is charged by card processors and passed directly to the customer

  • Cocojor does not profit from these fees

  • The 4% fee is in addition to the purchase price

Zero-Interest Benefit

  • Cocojor sponsors your purchase by offering ZERO interest for 12 months

  • Requires a 50% down payment (using non-card methods to avoid fees)

  • Remaining balance may be paid monthly over 12 months

  • If card payments are used, a 4% processing fee applies to each transaction

Accepted Methods for Down Payment (No Fee):
☐ Cash ☐ Personal or Business Check ☐ Cashier’s Check ☐ Money Order ☐ Wire Transfer

Afterpay & Klarna (Third-Party Platforms)

Cocojor also supports Buy Now, Pay Later options through Afterpay and Klarna. Please note:

  • These are third-party agreements strictly between you and the platform

  • Cocojor has no direct involvement or liability with these services

  • A 6% processing fee applies to all transactions via Afterpay or Klarna

Quick Comparison

Option Processing Fee Interest Rate Key Benefit
Full Payment (Non-Card) None (save 4%) 0% Ownership + VIP benefits + no fees
Cocojor In-House Loan 4% (card use) 0% Zero interest, 12-month flexibility
Afterpay / Klarna 6% 0% Buy Now, Pay Later convenience

 

Cocojor In-House Loan – Zero Interest for 12 Months

At Cocojor, our mission is to help you and your cherished pet achieve optimal health with the Minicle® Micro Bubble System. We understand these are challenging economic times, which is why Monica (“Cocojor”) has made an unprecedented offer: a 12-month, zero-interest loan.

This is a rare courtesy, not a standard industry practice. Please take this opportunity seriously and use it responsibly.

Terms & Conditions

1. Interest & Fees

  • 0% interest if paid in full within the 12-month term

  • A 4% processing fee applies to all credit/debit card payments

  • This fee is non-negotiable and set by payment processors, not Cocojor

  • Cocojor does not profit from processing fees — they are standard across the industry

  • Fees are separate from and in addition to the purchase price

2. Eligibility & Availability

  • Available exclusively to clients in the USA

  • Requires a discovery call and buyer qualification assessment

  • Credit checks are generally not required; in rare cases, a soft check may be performed (this does not impact your credit score)

3. Payment Structure

  • A 50% down payment is required to activate the loan

  • Remaining balance financed over 12 months at 0% interest

  • Auto-pay setup is mandatory (includes the down payment + first month’s installment)

  • Machine will be released only after a signed Mutual Finance Agreement and payment plan are in place

4. Early Payoff

  • Customers are encouraged to pay off their loan early — there are no penalties for early payment

5. Non-Payment Policy

  • If payments fail after three attempts in a given month and no alternative method is provided:

    • Account may be sent to a collection agency

    • A police report for stolen property may be filed

    • Legal action may be pursued as a last resort

6. Ambassador & Affiliate Program Members

  • Any earned commissions will be automatically applied toward your outstanding in-house loan balance until paid off

How It Works

  1. Schedule a discovery call with Cocojor.

  2. We’ll assess your needs and determine the most suitable payment option.

  3. If approved, you’ll make your 50% down payment and set up auto-pay.

  4. Once your agreement is signed, your Minicle® Micro Bubble system will be released.

Why This Matters

Credit card interest rates today average 20–25%. By offering a true 0% loan, Cocojor is carrying the financial burden for you, saving you hundreds to thousands of dollars in avoided interest charges.

This program reflects our ongoing commitment to helping pet families access the world’s only patented Minicle® Bubble technology — a one-of-a-kind solution backed by nearly two decades of expertise and education.

(Updated February 4, 2025)

 

Free Discovery Call

Cocojor Minicle® Micro Bubble Payment Plan – Buy Now, Pay Later

(As of December 31, 2024)

If your current budget makes it difficult to purchase the Minicle® Micro Bubble machine, Cocojor offers alternative Buy Now, Pay Later (BNPL) financing through Afterpay and Klarna.

These platforms allow you to obtain your machine now and pay over time. Please note: a 6% processing fee applies to all Afterpay and Klarna transactions.

Important Notes

  • These are third-party agreements strictly between you and Afterpay/Klarna.

  • Cocojor has no direct involvement or liability in these financing arrangements.

  • Affiliates, Ambassadors, and VAR partners: your commissions cannot be applied toward outstanding balances with Afterpay or Klarna.

  • Foreign transactions require prior approval from Cocojor’s office and must be set up in your country’s supported currency.

How Afterpay Works

  • Supports up to $4,000 USD in the U.S. (can be applied toward your in-house down payment)

  • International limits:

    • Canada: $2,000 CAD

    • Australia: $2,000 AUD

    • United Kingdom: £1,200 GBP (via Clearpay)

  • Typical payment options:

    • Pay in 4: Four payments over six weeks

    • Monthly Installments: Longer-term plans available, depending on approval

  • Customers are redirected to Afterpay’s site, where approval is instant.

  • Cross-border fees may apply for international transactions.

How Klarna Works

  • Supports up to $10,000 USD in the U.S. (may cover full machine payment)

  • International limits:

    • Canada: $2,000 CAD

    • Australia: $4,000 AUD

    • United Kingdom: £5,000 GBP

  • Payment plan options include:

    • Pay Now: Immediate payment (required for offers under $35)

    • Pay in 4: Four automatic payments, every 2 weeks

    • Pay in 30 Days: Full payment within 30 days

    • Pay Over Time: Financing plans from 6–24 months (interest may apply depending on approval)

  • Customers are redirected to Klarna’s site for sign-up, approval, and payment management.

Quick Comparison – Afterpay vs Klarna

Feature Afterpay Klarna
Max. Limit (U.S.) $4,000 $10,000
Use Case Down payment or partial pay Full payment possible
Installment Options Pay in 4 or monthly terms Pay Now, Pay in 4, Pay in 30, 6–24 months financing
Processing Fee 6% 6%
International Limits $2,000 CAD / AUD / £1,200 UK $2,000 CAD / $4,000 AUD / £5,000 UK
Interest 0% (if on time) Some financing plans may add interest

Steps to Use Afterpay or Klarna

  1. Select “Afterpay” or “Klarna” at checkout.

  2. Enter a few personal details for instant approval.

  3. You’ll receive confirmation and reminders directly from the provider.

  4. Manage payments via the Afterpay or Klarna app.

 

 

Free Discovery Call

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