Kitchen Cabinet Financing

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Enter $600 - $100,000
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Kitchen Cabinet Financing

Kitchen Cabinet Loans

The kitchen is seen to be the heart of the home. It is likely to be the room where you spend most of your time, whether that be cooking, eating, entertaining, or spending time with family and friends. Replacing or updating your kitchen cabinets can make a huge difference to the way your kitchen looks and feels, but this crucial part of the kitchen does not come without cost. If you want to update your kitchen but don’t have the funding you need, you can look to kitchen cabinet financing.

Applying for a kitchen cabinet loan is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in just minutes and compare offers from top lenders. Checking rates won’t affect your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds.

Compare personal loan rates

Can you get kitchen cabinet financing?

There are several options available for kitchen cabinet financing, including personal loans, home equity financing, and credit cards. With this funding, you can cover the costs of materials and installation of kitchen cabinets without having to use up all of your savings.

What are the best lenders for kitchen cabinet loans?

The best lenders for kitchen cabinet loans include:

  • Avant
  • Axos Bank
  • LendingClub
  • LendingPoint
  • LightStream
  • Prosper
  • Upstart

To find out which lender will give you the most affordable funding, check out our comparison tables.




Funding: Borrow $2,000 - $35,000
Minimum Credit Score: 550
APR: 9.95 - 35.95%
Loan term: 2 - 5 years
Funding turnaround: within 24 hours in most cases

With Avant personal loans, borrowers with fair to good credit scores can get access to super fast funding up to $35K. Best for debt consolidation.

Axos Bank

Axos Bank


Funding: Borrow $5,000 - $50,000
Minimum Credit Score: 700
APR: 7.15 - 17.99%
Loan term: 3 - 6 years
Funding turnaround: within 1-3 business days

AXOS Bank offers loans up to $50k and great refinancing options on existing loans. Best for borrowers with higher credit scores..

Lending Point

Lendingpoint Personal Loans


Funding: Borrow $2,000 - $36,500
Minimum Credit Score: 580
APR: 9.99-35.99%
Loan term: 2 - 4 years
Funding turnaround: as fast as within 24 hours

With LendingPoint, borrowers with fair credit can obtain a loan between $2,000 - $36,500 and get funded within 24 hours. Origination fees may apply.


Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.

How much should I budget for cabinets?

Due to the huge variety of materials available and quality level, kitchen cabinets can cost anything from around $1,800 to $21,000+, with a national average of about $5,400.

If you are looking for more affordable cabinets, you should consider stock cabinets that will cost $2,500 to $7,500 for 25 linear feet. For mid-range pricing, you will want to look at semi-custom cabinets which will cost $3,750 to $16,250 for 25 linear feet. If you are prepared to pay more for quality, custom kitchen cabinets will set you back $12,000 to $30,000 or more for 25 linear feet.

How can I save costs on my kitchen remodel?

To save costs on your kitchen remodel, you could consider using secondhand cabinets. It’s surprisingly common to find quality cabinets that someone is simply getting rid of because they’re putting in a whole new kitchen. If they’ll fit the shape of your kitchen, you can often find quality cabinets at a low cost.

At the very least, you may want to consider purchasing stock cabinets and fitting them yourself to save on costs. This will take some time, but you will save a considerable amount on labor costs.

If you aren’t the handy type and still want your kitchen to be manufactured and installed by professionals, there are a few simple changes you can make to your design to cut costs, such as open shelving instead of wall cabinets, laminate finish, and minimal customization to help keep costs down.

How can I finance new kitchen cabinets?

The best ways to finance new kitchen cabinets are:

  • Personal Loan: A personal loan is the most popular way to finance new kitchen cabinets. This is where you receive a lump sum which is then paid back over time in weekly or monthly payments, along with interest. The amount you are able to borrow as well as the interest rate offered will depend on your credit score as well as the lender.
  • Credit Card: A credit card should only be an option if you have excellent credit or a high income as they can be particularly expensive due to the high interest rates. You may want to consider a credit card to cover some of the costs and use savings to cover the remainder.
  • HELOC: A Home Equity Line of Credit allows you access to funds as and when you need them, only paying interest on what you use. You can typically qualify for high borrowing amounts and low interest rates, but since your home is used as collateral, you are putting it at risk should you default on repayments.
  • Home Equity Loan: This financing option, also known as a second mortgage, works like a personal loan where you receive a lump sum which is then paid back over time, with interest. Like a HELOC, your home is used to secure the loan, so there is a chance you could lose your home if you fall behind on repayments.
  • In-House Financing: Some contractors will be able to offer in-house financing in the form of a payment plan. This is a good option if they offer a promotional rate such as 0% APR, but you should always make sure that you can’t get a better deal with an external lender before committing to this type of funding.

Need help finding the right loan?

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What are the pros and cons of kitchen cabinet financing?


  • You’ll get a new kitchen without having to save
  • A kitchen upgrade increases the value of a home, especially since the kitchen is one of the most valuable rooms in a house
  • You can easily spread the cost over a few years


  • Expensive if you don’t have good or excellent credit
  • If your kitchen is functional but just not to your taste, it may not increase the value of your home by much

What credit score do I need for kitchen cabinet financing?

To qualify for kitchen cabinet financing, you can expect to need a credit score of at least 600, but a score of 650+ will get you the most desirable rates and terms and therefore the most affordable loan.

Can you get kitchen cabinet financing with bad credit?

Although possible to qualify for a kitchen cabinet personal loan with bad credit, it is recommended that you look at alternative ways to update your kitchen that can be paid for out of your own pocket.

You could hunt around for second-hand cabinets or consider simply repainting or refinishing your kitchen cabinets which may only cost a few hundred dollars.

Even if you are able to qualify for kitchen cabinet financing with bad credit, it will be very expensive and could see you pushed further into debt.

Can you get kitchen cabinet financing with no credit check?

No, the only way to finance kitchen cabinets without a credit check is with a 401(k) loan. Some 401(k) plans allow you to borrow up to $50,000 or 50% of your savings (whichever is lower). They don’t require a credit check or interest, but they can set back your retirement plans, so do your research.

Kitchen Cabinet Financing Calculator

To find out how much your loan is likely to cost you, use our kitchen cabinet financing calculator:

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Replacing your old, outdated kitchen cabinets with fresh, new cabinets can help you to get more enjoyment out of the space and will increase the value of your home, should you choose to sell in the future. We have made it easy for you to discover the most affordable kitchen cabinet financing for you with our comparison tables. When you have found the best lender for you, simply click apply and you will soon have the financing you need to create your dream kitchen.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes.

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Apply online and find your rate. Checking rates won’t affect your credit score.