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Kitchen Countertop Financing Options

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Kitchen Countertop Financing Near Me - Granite, Marble & More

Have you considered an upgrade to your current kitchen décor and design by utilizing the buying power of kitchen countertop financing?

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Learn More About Kitchen Countertop Financing Options

Have you considered an upgrade to your current kitchen decor and design by utilizing the buying power of kitchen countertop financing?

Whether you are looking for a small kitchen counter, an average-sized kitchen island, or a complete replacement for all your kitchen countertops, financing is a great way to secure the additional buying power needed to have high-quality granite countertops professionally installed. There are a number of ways you can secure countertop financing. You may already be aware of some of these options or this may be your first step in the direction of financing. If you are doing a full kitchen remodel, you may want to use a secured loan. However, if you are just looking to finance granite, quartz, or any material countertop, you may want to use financing offered by the retailer or a home improvement loan. So which option is best and how do you choose the best countertops? Keep reading to learn more about kitchen countertop financing.

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Can you finance countertops?

There are several ways you can finance countertops. Below we will review some of your options.

Home improvement loan: Home improvement loans are just unsecured personal loans. They can be used for all types of home improvement projects including countertops. Home improvement loans do not require collateral. They offer fixed terms and payments, in most cases.

Home equity loan: For expensive countertop replacement projects, you may want to use a home equity loan. Home equity loans may offer lower interest rates than home improvement loans, but you'll need equity in your home to qualify. You will also need to be willing to use your home as collateral.

Retailer financing; Some countertop retailers may offer financing. If they do, it's usually through a 3rd party lender. You will want to verify whether it's a credit card or a loan. You will also want to verify the terms. If they are offering a promotional period, make sure you understand the terms after the promotional period ends. If you are unable to pay off the balance during the promotional period, this can end up costing you a fortune.

How much does it cost to replace a kitchen countertop?

The cost to replace countertops is largely determined by the material of the counter, the removal of the existing countertop, and if any plumbing or electrical services will need to be moved and/or reinstalled during the installation process. Also, the cost of labor is another large factor in determining cost.

Some general price ranges of materials and labor costs include:

Granite countertops: $15 to $140 per square foot for material. For material and installation labor you are looking at between 25$ and $170 per square foot.

Soapstone: $20 to $70 per square foot for material. For material and installation, you can expect to pay between $30 and $100 per square foot.

Marble: $15 to $190 per square foot for material. For material and installation, the price ranges from $25 to $220 per square foot.

There are other materials with lower costs that keep the prices well below $100 per square foot. They can include slate, limestone, and travertine.

When choosing a material for your new kitchen counters remember that by paying a little more upfront, you can add longevity to the life of your kitchen countertops which could save you money in the end. That is why so many homeowners are choosing granite as their choice.

Can you finance granite countertops?

Of course, you can! You can finance granite countertops the same way as you would finance any other countertop material. First, you'll need to decide what kind of financing you want to use. If you are doing an extensive kitchen remodel, a secured loan may be the best option. However, you will need equity in your home to qualify.

If you just need financing for the materials, you may find a granite retailer that offers finance. When using retailer financing, always pay close attention to the terms. Keep in mind, they are offering financing to boost sales. While it may provide customers a way to afford the countertops of their choice, it benefits both parties. The retailer may make their financing sound too good to be true. We hope that they properly represent the terms, but always double check by reading the terms and conditions yourself.

If you need financing for materials and labor, a home improvement loan might be the option you are looking for. A home improvement loan does not require collateral or a down payment. Homeowners can take advantage of a fixed monthly payment and loan amounts up to $100,000 with home improvement loans, depending on the lender. At Acorn Finance, you can check home improvement loan offers without impacting your credit score.

What is a good price for granite?

Since the cost of installing new granite countertops is mostly used by measuring each project by the square foot, the price of your new installation ranges based on the size of the project. Here are some examples.

A small granite kitchen countertop measuring about 24" x 72" can cost you between $750 and $1,350.

A 40" x 40" small kitchen island may then have a price range of $650 to $1,200.

An average-sized countertop measuring closer to 24" x 180" can cost between $1,800 and $3,300.

It is always good to seek out reputable and well-established granite installation companies when considering a new kitchen counter installation. There should be some sort of industry standard for pricing that reputable dealers should abide by, but to be sure, it is recommended that you seek out more than one bid on a new project.

How much does 1 slab of granite cost?

Depending on the color, pattern, and texture of the granite, you could see national average granite prices ranging somewhere between $40 and $60 per square foot. This does not include labor and other costs.

Just like any other commodity, granite is subject to market fluctuations depending on supply and regional circumstances. Make sure to call around to get a good idea of pricing in your area. If you want to score a good deal you may want to check overstock warehouses or discontinued styles.

How much should I expect to pay for granite countertops?

Remember that granite countertops range between $15 to $140 per square foot for material. For material and installation labor, you are looking at between $25 and $170 per square foot.

Since a range of $25 to $170 per square foot is so large, you can go with an average of $40 to $60 per square foot and labor costs ranging between $35 to $85. By using these figures, we can determine that the average cost of new granite tops ranges from $2,000 to $4,500 depending on the size of the job.

How do you finance a granite countertop?

How you finance granite countertops can vary depending on the type of financing you choose and the lender. Most lenders will require that you start by submitting an application. If you plan on using a home improvement loan, you should visit Acorn Finance, submit a form, and check offers. Within 60 seconds or less you can receive home improvement loan offers from top national lenders with no impact on your credit score.

What color of granite is the cheapest?

The cheapest colors of granite are usually made from tan shades and shades of black/gray. Blackish and tan colored granite slabs are the most available colors on the market. Granite that is mined in various deposits throughout the world tends to be in these two shades most commonly. Other more rare granite colors may come with a higher price tag.

What is a Level 1 granite countertop?

Granite countertops tend to be offered in 3 levels of grade. Level 1 is entry grade, level 2 is mid-grade, and level 3 is high grade.

Level 1 entry-level grade is the lowest grade of granite available on the market. You may also hear it referred to as commercial grade. Commercial grade is often a thinner cut of granite that is likely pre-fabricated. This thinner cut of granite often comes with some sort of wood backing to give it more support. These granite slabs are most often found in apartments, prefabricated remodels, or sometimes it is used in furniture, as an end table for example.

What color granite is most expensive?

It is generally agreed that the most expensive color for granite is various shades of blue or slabs of granite that contain extremely rare color combinations. Other expensive granite counters may contain reds and purples. There are also a few famous and highly sought after granite types that make up the most expensive and rare pieces of granite you can find in the world.

These include the Azul Aran, the Blue Bahia, and the most illustrious and famous brand, the Van Gogh. Is extremely rare and expensive because first, it contains a mixture of reds and blues that are unmatched in other granite types making it extremely rare, and because it gives off the feeling of one of the artist's impressionist style paintings.

What is the least expensive white granite?

The Dallas White granite brand is an inexpensive alternative to other white granite types that contain much higher price tags. This white granite type is quarried in Brazil and it offers a good deal of white coloring with some speckles of gold cream, brown veins, and even some lavender.

One of the reasons for the lesser price is that the Dallas White does not need a face resin added to its surface. It contains a tighter grain structure allowing for hot pots and pans to be placed on its surface. Because companies do not have to add this resin and because of Dallas White's abundance in Brazil, companies can offer this piece of white granite at prices far below other white granites.

What are some of the benefits of installing granite countertops?

There are so many benefits to using a material as high-quality as granite for your next kitchen remodel. Some of those benefits include durability, being easy to clean and keep clear of harmful bacteria or dirt, and being easy to fix in the event of a scratch or chip.
Granite may be the most durable stone-based countertop material available on the market. Also, you may consider having a sealer applied to the stone surface applied by a professional to extend the life of the countertops and to further resist stains.
Granite countertops can resist bacteria and dirt because the surface of a sealed countertop is not porous. By not being porous, granite does not let bacteria, dirt, or other contaminants soak into the countertop. You can easily wipe away any messes in the kitchen as you cook with little effort. Doing so will contribute to your kitchen looking, smelling, and feeling fresh for years to come.
One more benefit that is worth discussing is how easily granite can be fixed in the event of a scratch or chip. Though you already are giving your counters the best protection by choosing granite in the first place, accidents still do happen. If you or someone in your family leaves a big chip or scratch in the countertop, a professional will simply apply a matching colored putty to fill the chip and then reseal the countertop once again making it whole and looking brand new.
On top of the benefits, granite is available in a variety of colors and styles. Homeowners can achieve just about any style of kitchen using a granite countertop.

What are the pros and cons of granite countertops?

We talked previously about the benefits of granite countertops that include longevity, easy cleaning and maintenance, and its ability to resist the absorption of bacteria and other contaminants on its surface, but are there any downsides to granite?

The main downside to granite is because it is porous, they do need to always be properly sealed. If granite is not properly sealed, then stains may start to appear on the surface of the countertop where the sealant has worn off. Some granite countertops can go ten years before it needs to be resealed while others may need to be resealed once a year. That adds additional maintenance costs to the countertops that you may not have considered when choosing to have granite installed.

One last downside you should be aware of is even though granite is one of the most durable countertop materials, it can sometimes have a corner broken off or chip from a dropped frying pan. Depending on the type of granite, repairs can be expensive.

What is a cheaper alternative to granite countertops?

Someone looking for a similar look and feel to granite may be able to purchase some cheaper quartz countertops.

Quartz is still low maintenance and offers many of the same features but because it is engineered rather than taken from a quarry, prices can remain lower than granite.

Can you finance quartz countertops?

You can finance quartz countertops the same way that you can finance granite countertops. The only difference may be the amount you need to borrow. If quartz countertops are cheaper, you may need to borrow less money or perhaps you may not need to borrow money at all. To check quartz countertop financing offers you can apply at Acorn Finance.

What are the pros and cons of quartz countertops?

Quartz countertops may offer a cheaper alternative to granite countertops with many upsides but they do contain some downside as well. The upsides include their cheaper price tag, low maintenance, and their durability can be seen as more forgiving when compared to other material types. They are less likely to chip or crack

The only real downsides to quartz are since they are engineered you might notice they have less of a natural look to them when compared to granite. Also, even though quartz is extremely durable, it is less heat resistant so be sure to avoid placing hot items on their surface.

Where can I get a loan for kitchen countertops?

Most banks, credit unions, and online lenders can offer home improvement loans. In some cases, they may call them home improvement loans but they are really just personal loans. If your bank does not offer home improvement loans but they offer personal loans, you can apply for a personal loan and use the funds for kitchen countertops. If your kitchen countertops are going to be very expensive, you may want to consider an alternative financing method.

If you are looking to explore home improvement loan offers without the hassle of making a special trip to the bank, you should visit Acorn Finance. The Acorn Finance platform gives consumers the advantage of comparing offers from several lenders all in one place. In addition, there is no impact on your credit score for checking offers. At Acorn Finance our lending partners can offer APRs as low as 6.99%, depending on credit score.

Explore kitchen countertop financing offers up to $100,000. . . check offers now!

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