{"id":12398,"date":"2020-03-13T03:44:46","date_gmt":"2020-03-13T10:44:46","guid":{"rendered":"https:\/\/www.asapdrainandplumbing.com\/coronavirus-copy\/"},"modified":"2020-03-13T03:44:46","modified_gmt":"2020-03-13T10:44:46","slug":"our-financing","status":"publish","type":"post","link":"https:\/\/www.asapdrainandplumbing.com\/our-financing\/","title":{"rendered":"Our Financing"},"content":{"rendered":"<p>We offer financing for homeowners &#8212; to get the job done right, right away. We know it&#8217;s difficult to set aside enough money for emergencies.\u00a0 Especially if it&#8217;s a major out-of-the-blue plumbing problem and there&#8217;s simply not enough left available on your credit cards.<\/p>\n<p>Our financing as provided by banks is frequently at interest rates well below credit cards.\u00a0 It can be interest free for as long as 24 months in some cases.\u00a0 That should provide more than a little stress-relief for you.<\/p>\n<p>You can use the financing for any plumbing work we do that falls within the allowed loan amounts.\u00a0 It&#8217;s typically used for repipes, major leak repairs, pipelining, sewer line replacement, and remodeling.<\/p>\n<h2>Benefits of Financing<\/h2>\n<ul>\n<li>It&#8217;s easy to sign up.\u00a0 You just\u00a0scan your drivers license and an app automatically populates the loan application.\u00a0 You add your social security income, annual income, and email address.\u00a0 It can take as little as 1 minute.<\/li>\n<li>Approval rates are high.\u00a0 There&#8217;s no credit score requirement, but a score of 640 or more is typical.<\/li>\n<li>If you&#8217;re approved you still have the option to decline the loan.<\/li>\n<li>You can finance anything from a minimum of $3,500 to a maximum $65,000.<\/li>\n<\/ul>\n<h2>Terms and Conditions<\/h2>\n<p>Although an application can take just a couple of minutes, it pays to study your options before making a final choice.\u00a0 There&#8217;s two main options.<\/p>\n<ul>\n<li>An interest-free &#8220;promotional&#8221; period of 6, 12, 18, 24 months, and in some cases longer.\n<ul>\n<li>You pay no interest if the full amount (plus\u00a0any\u00a0origination\u00a0fees) are paid before the promotional period expires.<\/li>\n<li>If you don&#8217;t\u00a0you&#8217;ll owe interest (commonly\u00a05 to 24%), accumulated from the date the loan originated along with the remaining balance.<\/li>\n<\/ul>\n<\/li>\n<li>A payment plan with a reduced rate APR (annual percentage rate).\n<ul>\n<li>Interest rates range from 0 to 27 % with terms of 5, 7, 8, 10, and 12 years.<\/li>\n<li>You can pay the loan off early without any added prepayment fees.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>Financing Tips<\/h2>\n<p>We look out for our customers.\u00a0 Here are a few points you should keep in mind.<\/p>\n<ul>\n<li>It&#8217;s wise to crunch the numbers for your options, considering both the total amount of interest you&#8217;ll pay as well as how much the monthly payments need to be.<\/li>\n<li>Be as sure as you can be that you can pay off the\u00a0deferred interest\u00a0option within the promotional period if you choose this option.\u00a0 Otherwise you could end up paying a high interest rate over a long period.<\/li>\n<li>These loans don&#8217;t pre-qualify, so the &#8220;hard credit pull&#8221; can have a negative effect on your credit score.<\/li>\n<li>Don&#8217;t forget your options such as various types of bank loans, including home improvement loans and second mortgages.\u00a0 You might qualify for a Federal Housing Administration Title I Loan.\u00a0 And if you have excellent credit you might apply for a 0% interest credit card offer.<\/li>\n<\/ul>\n<p><strong>NOTE:\u00a0<\/strong>This blog post is for your introductory information.\u00a0 It&#8217;s your responsibility to read and understand the details of any actual offer.<\/p>\n<p>&nbsp;<\/p>\n<p>[fusion_builder_container hundred_percent=&#8221;yes&#8221; overflow=&#8221;visible&#8221;][fusion_builder_row][fusion_builder_column type=&#8221;1_1&#8243; background_position=&#8221;left top&#8221; background_color=&#8221;&#8221; border_size=&#8221;&#8221; border_color=&#8221;&#8221; border_style=&#8221;solid&#8221; spacing=&#8221;yes&#8221; background_image=&#8221;&#8221; background_repeat=&#8221;no-repeat&#8221; padding=&#8221;&#8221; margin_top=&#8221;0px&#8221; margin_bottom=&#8221;0px&#8221; class=&#8221;&#8221; id=&#8221;&#8221; animation_type=&#8221;&#8221; animation_speed=&#8221;0.3&#8243; animation_direction=&#8221;left&#8221; hide_on_mobile=&#8221;no&#8221; center_content=&#8221;no&#8221; min_height=&#8221;none&#8221;][fusion_tagline_box backgroundcolor=&#8221;&#8221; shadow=&#8221;no&#8221; shadowopacity=&#8221;0.1&#8243; border=&#8221;1px&#8221; bordercolor=&#8221;#666&#8243; highlightposition=&#8221;left&#8221; link=&#8221;tel:7607448489&#8243; linktarget=&#8221;_blank&#8221; buttoncolor=&#8221;blue&#8221; button=&#8221;(760) 744-8489&#8243; title=&#8221;Need Financing?&#8221; description=&#8221;Call Now for More Information&#8221; animation_type=&#8221;0&#8243; animation_direction=&#8221;down&#8221; animation_speed=&#8221;0.1&#8243;][\/fusion_tagline_box]<\/p>\n<p><span style=\"font-size: 18px;\"><strong>ASAP Drain Guys &amp; Plumbing is\u00a0 <a href=\"http:\/\/www.bbb.org\/sdoc\/business-reviews\/plumbers\/asap-drain-guys-plumbing-in-san-marcos-ca-48000135\" target=\"_blank\" rel=\"noopener noreferrer\">A+ BBB rated<\/a> and have been serving San Diego since 2001. <a href=\"https:\/\/www.asapdrainandplumbing.com\/about-us\/\">Learn more<\/a> or <a href=\"https:\/\/www.asapdrainandplumbing.com\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\">contact us<\/a> any time.<\/strong><\/span>    \t<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We offer financing for homeowners &#8212; to get the job done right, right away. We know it&#8217;s difficult to set aside enough money for emergencies.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12402,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,15],"tags":[],"class_list":["post-12398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-slab-and-water-leaks"],"_links":{"self":[{"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/posts\/12398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/comments?post=12398"}],"version-history":[{"count":0,"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/posts\/12398\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/media\/12402"}],"wp:attachment":[{"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/media?parent=12398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/categories?post=12398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.asapdrainandplumbing.com\/wp-json\/wp\/v2\/tags?post=12398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}