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Kitchen Financing Options

Stop dreaming about your new kitchen and start remodeling today with the help of our flexible financing options.

Your kitchen dreams can come true with financing options on refacing and remodeling projects.

Working a remodeling project into the household budget is one of the biggest concerns homeowners have when they start to plan for a new kitchen. It is a major decision and upgrade to renovate a kitchen, one that impacts everyday living. And why wouldn't it be? After all, your kitchen is the heart of your home. That said, a big question still remains for many people.

"How can I pay for my new kitchen?"

How often do people pay for a brand-new car with all cash? How about a new master bedroom set or major appliances? Most people choose to make these purchases utilizing financing options that work within their budget. The same is true for your dream kitchen. When you think about it, your new kitchen will probably be with you longer than your current car, so financing it shouldn't be anymore more stressful or confusing.

Choose financing that’s right for you.

You can qualify for affordable financing plans when you remodel your kitchen. These plans allow you to design, install and enjoy your kitchen now, with a comfortable payment program that fits your needs.

With Kitchen Magic, you have several easy payment options available to finance all or part of your kitchen project. Based on your credit score and down payment, your kitchen design consultant can help you determine what works best with your budget.


Our 3 Most Popular Finance Choices*

Your financing options will be based upon your credit rating, regardless of which plan you choose.

Interest-free 12-month Payment Plan
Our most popular offering.
7-year payment plan
This offers low monthly installments.
Pay by credit card
We accept most major cards, and many people use them to earn points.

Match your budget with your dream kitchen design—we make it easy to do.

During your free in-home consultation, one of our design consultants will take a look at your kitchen, show you samples, colors and styles and offer helpful advice. Your consultant will create the custom design that fits your needs, and also provide you with an accurate written proposal of what your investment will be for your project. We use a paperless application process, too, so you find out right then and there what your payment plan options will cost you.

Here are some money-saving things to consider.

There are some things to think about as you plan for your kitchen investment. As with any payment agreement, review your financial plan for any restrictions that may apply.

  • Know your credit score. Checking your credit score before your consultation is essential if you are planning on financing your project. You can check it for free at, a resource recommended by the Federal Trade Commission.
  • You can use your own financing institution: Many people choose to find their own financing plan through their bank, mortgage lender or credit union. We are happy to work with your financing provider, if that is the best option for you.
  • Avoid additional fees: If you have a no-interest finance plan, be sure to stick with the payments as scheduled for the life of the plan, to avoid additional interest fees.
  • Paying off sooner can pay off: You can opt to pay the full amount of your kitchen payment plan early, which will reduce the amount of interest you end up paying overall. Some customers with multi-year plans do this by making an additional payment once or twice a year, each year.

* While Kitchen Magic is neither a broker nor a lender, we do provide information about financing options available through select lenders unaffiliated with Kitchen Magic, under terms arranged directly between the customer and the lender, all subject to credit requirements and satisfactory completion of finance documents.


Request Your Consultation

Our customers have installed beautiful new kitchens for as low as $165/month in some cases. That’s less than most monthly car payments! Because our prices vary depending on the color and style that you choose, as well as the size of your kitchen, we are happy to offer free consultations. Our design consultants will gladly provide you with pricing, financing information and the details involved in helping you realize the kitchen you have always dreamed of.


FAQ's About Financing Your New Kitchen

What kind of R.O.I. can I expect on my kitchen remodel?
While this figure changes from year to year, Remodeling Magazine's 2020 Cost vs Value Report estimate for costs recouped for minor kitchen remodels was 77.6%.
Do I have to finance the whole project?
No. Whether you finance all or part of your new kitchen remodeling project is up to you. Many homeowners find it helpful to take the time to work out a budget for their new kitchen project.
How do I check my credit score?
Your credit score is based on your personal credit history, and it is used by banks and other lenders to determine your "creditworthiness." Your score is mostly based on information obtained from credit bureaus. Various types of financial institutions use these scores to determine the potential risk they might have when lending money to consumers. Interest rates and credit limits of loans are also impacted by your credit score. (You can check your credit score at: Annual Credit Report.)
How does financing my kitchen affect my credit score?
Paying off your kitchen remodel financing plan regularly and on time can actually help your overall credit score. According to US News Today, your track record of paying back loans and credit cards is kept in your credit report. Your FICO credit score (the most commonly used score) weighs factors as follows: your payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).
Should I consider a home equity line of credit for my kitchen project?
If you have enough equity and good credit, a home equity line of credit (HELOC) may be a good option for financing your new kitchen. According to Consumer Reports, the term of the loan is typically 10 to 20 years, which is often referred to as the “draw period.” You can typically borrow 75 – 80 percent of your home’s appraised value, minus what you owe. HELOC interest rates are usually variable, and you may be charged an appraisal fee along with a possible annual fee of about $100 or less.

Check out these related kitchen design articles:

How Much Does Refacing Kitchen Cabinets Cost?
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9 Ways to Save Money on a Home Renovation
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Experienced Professionals You Can Trust
Kitchen Magic Angies List Super Service Award
Kitchen Magic Top Work Places Award
Kitchen Magic Better Business Bureau
Kitchen Magic Best of Houzz 2020
Kitchen Magic Top 500 Qualified Remodeler
Kitchen Magic National Assocation of the Remodeling Industry
Kitchen Magic National Assocation of the Remodeling Industry

Did you know we have

flexible financing options

available for your new kitchen?

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