Cocojor IN-HOUSE Loan with NO Interest 

To discuss our various options, you must be a qualified buyer and schedule an appointment. At Cocojor, our mission is to help you and your cherished pet achieve optimal health with our Minicle Micro Bubble System.

We understand how challenging these economic times are. That's why Monica, also known as Cocojor, has made an unprecedented offer of an INTEREST-FREE loan. Please take this opportunity seriously and do not take it for granted.

TERMS AND CONDITIONS a) Interest and Fee Terms: - Zero interest offered as a courtesy if paid within 12-month term - 4% credit/debit card processing fee is non-negotiable and required by our payment processors - Cocojor does not profit from credit card processing fees - This processing fee is standard across the industry and unavoidable - Customer acknowledges these fees are separate from the purchase price

• All in-house transactions will incur a 4% processing fee, which will be added to your invoice.
• This service is exclusively available for clients in the USA.
• A half down payment is required; the remaining balance can be financed through an interest-free loan for up to 12 months.
• To activate your loan account, you must set up auto-payment which includes the half down payment plus the first month's payment.
• Your machine will not be released until a payment plan meeting the above requirements is established. 
• Signed COCOJOR IN-HOUSE PAYMENT PLAN MUTUAL FINANCE OPTION AGREEMENT
• Early payment plan is always welcome and encourage. 
•  Affiliate - Ambassador - VAR: Your commissions will first be applied to your outstanding in-house loan to expedite payoff. 
• If non-payment persists after three attempts on the month we are not receiving payment. No alternative payment method is provided during the course of the payment plan, we will file a police report for stolen items, enlist a collection agency, and pursue legal action will be used as a last resort.

How does this work?

To embark on this journey, you must be a qualified buyer. Appointments are required to explore the myriad options we offer to assist you and your cherished pet in achieving optimal health through our Minicle Micro Bubble System.

So, how does this enchanting process unfold? Following your discovery call with Cocojor, we will assess your qualifications and determine the most suitable payment plan for you. Should it be necessary, we may conduct a soft credit check, which will not impact your credit score. Typically, credit checks are not performed, as each situation is evaluated on a case-by-case basis.

Why hesitate? What is holding you back? Embrace the seamless journey ahead, for we stand ready to assist you in attaining the most eco-friendly, one-of-a-kind solution, backed by two decades of experience and ongoing education. Should you wish to delve deeper into the enchanting secrets of the Minicle Micro Bubble System, designed for the modern pet lover, we are here to guide you!

(Update February 4, 2025)

Cocojor Minicle Micro Bubble Payment Plan - Buy Now Pay Later with Afterpay or Klarna: 

(As of December 31, 2024)

Don't let your current budget hold you back from obtaining the machine you need! Even if you can't afford the full amount or make our in-house 50% down payment, alternative financing options like Afterpay and Klarna have got you covered. These third-party platforms are experts in Buy Now, Pay Later services, allowing you to purchase now and pay later without any hassle. Just keep in mind that a small processing fee will be applied when using these payment methods. Discover your dream machine today, and let Afterpay or Klarna help make it a reality!

Here’s how it works:

Afterpay offer up to $4,000 (You can use for your down payment) the remaining amount if you qualify for our in house payment. Read below for more details in that section.

Klarna offer up to $10,000 to use to pay for your full payment for the machine. 

1. Step 1 - Select  "Afterpay" or “Klarna” when you check out.

2. Step 2 -  Enter a few personal details and you’ll know instantly if you’re approved.   

3. Step 3 - Afterpay or Klarna will send you an email confirmation and reminders when it’s time to pay and you can manage your  payments in the Afterpay or Klarna app.

• For both Afterpay and Klarna, a 6% fee will be added to your invoice for using their services.
• As an affiliate, ambassador, or VAR, please note that your earned commission cannot be used to settle any outstanding balances with these third-party companies.
• Cocojor does not have direct involvement with these platforms; the agreement is strictly between you and the third-party providers, which means Cocojor is not liable.

How Afterpay works 

Please note that Afterpay supports payments up to $4,000 in the United States, $2,000 in Canada and AU and £1,200 in the UK. Offers exceeding this amount will not be eligible for Afterpay, and you won't be able to choose Afterpay as an additional payment method.

Afterpay is a Buy Now Pay Later payment method that allows your customers to split purchases into four payments over a period of six weeks or longer termed monthly installments, while you get the full payment amount upfront.

To pay with Afterpay, customers are redirected to Afterpay’s site, where they either sign up or login to authorize the payment by agreeing to the terms of a payment plan:

Depending on the value of the offer and your customer's history with Afterpay they may see the option to split the purchase into four payments over a period of six weeks, and/or monthly installed over a longer term

• United States: between $1 - $4,000 USD (Due to Afterpay restrictions, customers outside of the US will not be able to purchase an amount greater than $2,000 USD.) 
• Canada: between $1 - $2,000 CAD
• Australia: between $1 - $2,000 AUD
• United Kingdom: £1 - £1,200 GBP (Due to Clearpay restrictions, your customers outside of the U.K. will not be able to purchase an amount greater than £1,000 GBP)

Additionally, a cross-border fee will be applied to international Afterpay transactions.

All purchase through After Pay and Klarna is a processing fee of 6%. 

How Klarna Works 

Please note that Klarna supports payments up to $10,000 in the US, £5,000 in the UK, $4,000 in AU, and $2000 in CA. Offers exceeding this amount will not be eligible for Klarna, and you won't be able to choose Klarna as an additional payment method on your offer.

Klarna is a Buy Now Pay Later payment method that allows your customers to choose from various payment plans allowing them to manage their finances better and shop without immediate financial strain, while you get the full payment amount upfront.

To pay with Klarna, customers are redirected from your checkout to Klarna’s site, where they either sign up or log in to authorize the payment by agreeing to the terms of a payment plan.

Based on the value of your offer and the customer's history with Klarna, the following payment options are available: 

• Pay Now: Pay instantly with a debit or credit card. This is the only option for offers under:
  • $35 USD
  • $35 CAD
  • £30 UK
  • $10 AUD 
• Pay in 4: Split the purchase into 4 payments, paid automatically every 2 weeks.
• Pay in 30 Days: Have the flexibility to pay up to 30 days later.
• Pay Over Time: Klarna offers financing plans that range from 6-24 months. Please note that additional interest rates will apply depending on the customer’s relationship with Klarna.  

  PLEASE BE ADVISED ON FOREIGN TRASACTION

• *It’s important to note that when selecting to offer Klarna on your checkout, there are specific parameters that you must meet for Klarna to show up as a payment method. Your offer must be presented in the default currency associated with your country, and within the following limits:

  • United States: between $1 - $10,000 USD 
  • Canada: between $1 - $2,000 CAD
  • Australia: between $1 - $4,000 AUD
  • United Kingdom: between £1 - £5,000 GBP

FOREIGN TRANSACTION NEED TO CONTACT OUR OFFICE TO SET UP THE OFFER TO YOUR COUNTRY CURRENCY THAT IS LISTED AND NEEDS APPROVAL PRIOR TO PAYMENT USING THIS PAYMENT METHOD.