Kitchen Remodel Financing & Loan Options

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Kitchen Financing With Acorn Finance

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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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Kitchen Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your 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 Finance Your New Kitchen?

Compare kitchen renovation financing options without affecting your credit score.

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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 you 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 AcornFinance:


  • #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 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



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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