The cost of redoing your kitchen, or other large space in your home, can be extremely daunting. Cabinets are one of the main components, and arguably the main focus, in a kitchen and can take up a decent chunk of your budget. They’re also a focal point in less capacity in other rooms such as bathrooms, offices, pantries, closets, and laundry rooms, but may be a secondary option only depending on your budget. Everyone deserves to have the cabinets they envision to make their kitchen, or other space, the true heart of their home. Don’t settle for less, or skip cabinets all together, when redesigning! The RTA Store has many financing options available, including our new financing partner Affirm, to help you afford your dream space.
Confirm Your Dream Kitchen with Affirm
Affirm allows you to pay over time for those big purchases like a whole new set of kitchen cabinets. When going through checkout at The RTA Store, you can choose to apply for financing through Affirm. There’s no impact to your credit score to apply, and you can finance up to $30,000. With such a high limit, you’ll be able to finance not just cabinets but all of the kitchen accessories too, if you choose to complete your space with The RTA Store! Think countertops, flooring, sinks and faucets, backsplash, hoods, and under-cabinet lighting – all things to customize your kitchen exactly for you.
There are 2 main options when it comes to financing your kitchen with Affirm, a short-term or long-term financing option. The short-term option is 12-month, 0% APR financing. The long-term options come with competitive APR rates for up to 60 months. Both routes are affordable ways to pay over time for your new kitchen, with a quick application process and an instant decision during checkout. If you do get approved for a loan with Affirm and accept, the loan itself may be reported to the credit bureaus with an effect on your credit score, just as any other loan would.
There are also no hidden fees when financing with Affirm, and any interest charged in the long-term options is simple and not compound. This means that the interest amount never changes or grows throughout the length of your loan.
Other Ways to Afford Your Dream Kitchen
We’ve also teamed up with Klarna and Bread to give you easy and affordable financing options for your order with The RTA Store. Each option gives you different flexibility when it comes to paying over time, so that you can find the best financing option that suits you best.
With Bread, you’ll be able to finance up to $30,000 over 12 months with 0% APR, or for up to 48 months at a variable rate. However, a down payment may be required depending on your loan amount and credit. There are no late fees as long as you pay on time, with fixed monthly payments.
We also provide financing through Klarna, for up to a maximum of $10,000. There is 0% APR with their pay in 4 plan (payments every 2 weeks), or you can pay in full in 30 days but no payments are required before then! There is no down payment with Klarna, but there are late fees if you don’t pay in time. Klarna’s long-term financing option is only up to 12 months, with variable APR rates and monthly payments.
Don’t Settle on Your Dreams
Renovating a room in your house, regardless of how big or small, is a major undertaking for some and a financial commitment for most. With so many pay over time and 0% APR financing options, you won’t have to settle on your dream cabinets. Take the leap in making your kitchen, or other space, the heart of your home, without needing the full payment up front. Plus, you get so many other benefits from working with The RTA Store!
Working with The RTA Store
The RTA Store is your online one-stop-shop for all your cabinet needs and accessories. Our ready-to-assemble and pre-assembled kitchen cabinets give you the look and durability of custom cabinetry at 30-50% less than big box stores. With A-grade plywood boxes and door/drawer fronts a combination of hardwood and MDF/HDF, our cabinets come with a 20 year limited warranty.
But don’t stop there – we also have all the accessories you would need for your dream kitchen and inside cabinets. Work with The RTA Store to complete your kitchen with hood vents, sinks and faucets, backsplash tile, countertops, flooring, and under-cabinet lights.
From spice drawers and plate dividers to mixer lifts and trash pullouts in the kitchen, you’ll find more inside cabinet accessories at The RTA Store than you’ll have room for. And it’s not limited to just the kitchen! Think file organizer for the office, hamper pullout in the laundry room, or vanity organizer in the bathroom, to make your space exactly how you want it.
Not ready to commit to a cabinet collection? Ordering fully-refundable cabinet door samples is a great way to see the style and color in your exact space and lighting. You’d be surprised how different a finish can look in different lighting! Plus, many of our cabinets have matching collections that you can mix together in one room, with one collection for upper cabinets and another for lower cabinets, or different cabinets for the kitchen island. Once you’re ready to start planning, a member of our free design service will work closely with you from steps A-Z, letting you know exactly what size cabinets you need for your space and double-checking to make sure everything lines up perfectly. Our upgraded design service gives you unlimited design revisions and unlimited price quotes, plus the cost of the service is taken off your total once you order!
No matter the room or cabinet of your choice, we’re here to help you make your dream space a reality at whatever budget you need. Located near the Hudson Valley in New York? Come visit our showroom on Route 52 in Hopewell Junction, NY!
*Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.
**Minimum purchase of $30.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0.00% to 34.99% APR, resulting in, for example, 48 monthly payments of $31.50 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay ™ loans are made by Comenity Capital Bank, a Bread Financial ™ company.
***See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.
