Kitchen Remodel Financing

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Kitchen Remodel Financing With Acorn Finance

Check New Kitchen Financing Offers With No Impact To Your Credit Score


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Secure Kitchen Remodel Financing

If you have been dreaming of a new kitchen, let Acorn Finance help. Compare personalized offers from lenders in our network, with no impact to your credit score when shopping around for your new kitchen. We’ll help you check for pre-qualified offers in seconds with our broad network of national lending partners who are ready to finance your kitchen remodel or addition. If you finance your kitchen with Acorn, our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly fund your kitchen renovation.

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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Secure Kitchen Remodel Financing?

Compare kitchen renovation loan options without affecting your credit score.


How To Finance a Kitchen Remodel or Renovation

Make the kitchen of your dreams a reality using kitchen remodel financing. A new kitchen can be a wise investment that may increase the value of your home. It may also bring more joy to you and your family. After all the kitchen is considered the heart of most homes. Acorn Finance is a leading provider for basement financing. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Let’s explore the various kitchen remodel financing options available for all credit types.

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Can I finance a kitchen remodel?

A kitchen remodel can be financed. Financing is available for appliances, labor, materials, and just about anything else involved with a kitchen remodel. Some retailers or manufacturers may offer promotional 0% financing for appliances or materials. If you are working with a manufacturer or retailer that has promotional financing it may be worth looking into. You may choose to use multiple types of financing or one single loan for a kitchen remodel. There is no right or wrong way to finance a kitchen remodel. The most important thing is that you do your research and choose the best financing option for your situation. Below, we will discuss some of the best ways to finance a kitchen remodel.

Can you remodel a kitchen for $5,000?

Consumer Reports says that you can remodel a kitchen for $5,000 but be prepared to do most of the work yourself. In addition, you may be limited on what you can do. This means you’ll need to get creative and prioritize what will transform the kitchen the most. In order to stay on budget you’ll probably need to keep most of the kitchen original like the floorplan, floors, appliances and so on. Let’s take a look at some budget friendly changes you can make to get the most out of a $5,000 kitchen remodel. . .
Reface cabinets
Replace hardware
Fresh paint for the walls
Paint or replace countertops
Upgrade lighting for brighter, whiter lighting
Install a shiplap or aluminum backsplash

Can I remodel a kitchen for $10,000?

A $10,000 kitchen remodel should be doable. While this is a larger budget than $5,000, you may still need to DIY most of the remodel. Above we recommend some affordable kitchen remodeling projects for a $5,000 budget. You should focus on the same types of changes with a $10,000 budget but perhaps add a few things to the list. With a $10,000 budget you may also be able to replace flooring or appliances or maybe even hire a contractor to do some of the heavy lifting.

Can you finance kitchen cabinets?

Kitchen cabinets can be financed. If you are using one secured or unsecured loan to cover all kitchen remodeling costs, be sure to borrow enough money to purchase and install new cabinets. In some cases, homeowners may use financing offered by a retailer or manufacturer to finance just the cabinets. If a manufacturer or retailer is offering promotional financing this may make sense. However, in most cases promotional financing is only available for a short term. While it may sound appealing, be sure you can cover the monthly payment and pay off the loan balance before the promotional period expires.

How can I remodel my kitchen for cheap?

There are ways to remodel your kitchen without spending tens of thousands of dollars. While there are plenty of inexpensive upgrades that can transform your kitchen, you should focus on the ones that will make the biggest impact. So what upgrades should you focus on for a successful cheap kitchen remodel? Let’s find out. . .
#1. Update kitchen cabinets and hardware
If your existing cabinets are solid and functional you can upgrade them by painting or staining and replacing hardware.
#2. Replace countertops
Homeowners should invest time into finding upscale countertops for an affordable price. Shopping at discount stores can be a great way to find high quality countertops for a fraction of the price.
#3. Brighten up lighting
While replacing light fixtures can spruce up kitchen styling, you may be able to get away with simply just replacing light bulbs. Brighter and whiter light bulbs can help make a kitchen feel more welcoming and alive.
#4. Fresh paint
A fresh coat of paint can make a huge difference without spending a big chunk of money.
#5. New appliances
Replacing appliances is not necessary but can be a smart investment, not only for resale but for personal use. If your appliances need replacement you should consider basic brands with good ratings that offer value.
#6. Backsplash
A backsplash is a cost-effective way to make your kitchen stand out. There are a variety of options for a cheap backsplash including using paint with stencils, wallpaper, or shiplap.

How much does a full kitchen remodel cost?

A full kitchen remodel averages about $13,356 to $37,715. That breaks down to about $75 to $250 per square foot. The quality of materials, size of kitchen, layout, and other factors may impact the cost of a remodel. If you can DIY most of the upgrades you can save tons of money. Home Advisor says that about 29% of your budget will go toward cabinetry and hardware, 17% usually goes towards installation, 14% toward appliances and ventilation, and so forth. The rest of the budget should go toward smaller expenses such as countertops, design fees, lighting, flooring, doors and windows, etc.

Where should I save money for a kitchen remodel?

You may be wondering where you can cut costs and save money for a kitchen remodel. You want to make sure you spend enough to do things the right way, but expenses add up quickly. It’s important to decide your total budget and how it will be allocated prior to starting the remodel. If you are looking to shave down costs, there are some ways you can save. When it comes to appliances, you should be practical. Some appliances may last longer than others. The ones designed to last longer may deserve more of your budget. Countertops are another area you may be able to save money on. While countertops are often a focal point, there are plenty of affordable countertop options. For example, laminate countertops can be significantly cheaper than granite yet they can mimic the design. Lastly, cabinets are expensive. Before deciding to replace all cabinetry in your kitchen, you should look into giving the existing cabinets a facelift.

Best Way To Finance a Kitchen Remodel

In most cases, you can finance a kitchen remodel and typically have multiple types of loans available. It’s up to you to do your homework and select the loan that is best for you. Personal loans can be an attractive option because they typically do not require collateral. In addition, the interest can be much lower than using your personal credit card. is a reliable and top-rated company that provides personal loans for kitchen remodel financing. Take advantage of affordable payment options and free services while saving tons of time.

Three steps to get started with Acorn Finance:

  • #1. Complete and submit a short loan application online
  • #2. Receive multiple pre-qualified offers
  • #3. Get connected with lenders to obtain your pre-qualified loan

Is there a minimum amount I can finance for a kitchen remodel?

Different lenders typically have different minimum loan amounts. On average minimum loan amounts usually start as low as $1,500.

How much does a new kitchen cost on average?

On average a new kitchen remodel typically costs between $12,601 to $35,059. This breaks down to about $75 to $250 per square foot. The size of the kitchen, materials selected, and whether the layout is changed or not, can all affect the total cost.

What credit score is needed to apply for kitchen financing?

Acorn Finance partners with multiple lenders that can provide kitchen remodel financing for all credit types. However, having a minimum credit score of 620 can increase your chance of approval.

Pros & Cons of Financing a New Kitchen

Let’s take a look at the pros and cons of financing a new kitchen.


  • Increase home value
  • Upgrade to more energy efficient appliances
  • Bring the kitchen of your dreams to life
  • Affordable monthly payments


  • Interest and fees
  • Construction in your home
  • Time consuming
  • Taking on debt

Best options for kitchen remodel financing


Personal Loan

 Personal loans are available for all types of credit and can be used for kitchen remodel financing. Although rates may be higher compared to secured loans, most personal loans don’t require any collateral. Personal loans are often easier to secure and tend to be less risky than comparable options. Comparing lenders is important if you decide to use a personal loan. Most likely, many lenders will be competing to secure your loan. This means you have the ability to shop rates and terms and make sure you get the best deal. is a secure platform that allows you to submit one application and receive multiple personalized offers from lenders.


  • Simple application and approval process
  • No collateral needed
  • Fixed interest rate
  • Competitive rates and terms
  • Borrow from $1,500 to $100,000
  • Quick funding


  • Credit history necessary in most cases
  • Fixed payments
  • Many personal loans have origination fees
  • Some personal loans come with prepayment penalties

Mortgage Refinance

Refinancing your mortgage may be an option to finance your kitchen remodel. However, it typically has more risks and takes more time than using a personal loan.


  • Receive lower mortgage rate
  • Cash out on current equity
  • Convert to a fixed rate


  • Applying for a new mortgage
  • Cost of refinancing
  • Time consuming compared to other options
  • Home Equity Loan

Home equity loans are a secured loan that uses your home’s equity as collateral. Since a kitchen remodel can increase the value of your home it may make sense to consider a home equity loan. However, compared to a personal loan there may be more risks involved when using a home equity loan. The equity of your home is calculated by taking your home’s current value and subtracting what you’ve paid so far toward your mortgage.


  • Interest rates are typically fixed
  • Proceeds from loan are typically received in a lump sum
  • Money can be used for just about anything
  • Interest rates can be lower than a personal loan because you’re borrowing with collateral
  • Tax benefits


  • Possessions may be lost if you fall behind on payments
  • Closing costs and fees
  • Increased risk of going “underwater” if home value decreases

Personal Credit Cards

Credit cards can be a convenient solution for kitchen remodel financing. Some credit cards may offer special 0% interest promotions that you can take advantage of. However, in most cases credit cards have higher interest than personal loans. In addition, your maximum spending limit may not cover the cost of your kitchen remodel.


  • Build your credit
  • Convenient
  • Potential to earn rewards
  • Buy now, pay later
  • Theft protection
  • Special promotions may apply


  • Higher interest rates
  • Annual fees may apply
  • Vague approval requirements
  • Read the fine print
  • Increased risk for fraud

Secure Kitchen Remodel Financing Today

In conclusion, the kitchen remodel of your dreams can become a reality sooner than you imagined using kitchen remodel financing. At you can apply online in less than a few minutes. Your one application can generate multiple competitive and personalized kitchen remodel loan offers. Select the one that works best for your situation with confidence that you are getting the best deal.

Take the next step… apply online today!


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