Kitchen remodel loans
A kitchen remodel loan is a personal loan that funds cabinets, counters, appliances and labor in one lump sum with a fixed payment. It works well for projects with a firm contractor quote. For long remodels paid in phases, a HELOC lets you draw only what you need, but it uses your home as collateral.
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- No credit impact
- No personal info to CLO
- Free, no obligation
Loan terms from 2 to 60 months. Rates vary depending on the lender, your credit and your state. Maximum APR is 35.99%.
Budget before you borrow
- Get an itemized bid that separates cabinets, counters, appliances, plumbing, electrical and labor.
- Add 10% to 20% for surprises behind the walls.
- Decide what you'll buy yourself, like appliances, and what the contractor supplies.
Lump sum or draw as you go
- A personal loan pays out once, and interest starts on the full amount right away.
- A HELOC lets you draw in stages and pay interest only on what you use, but the rate is usually variable.
- For a remodel with one firm price and a short timeline, a personal loan is simpler.
See which lenders will work with you
Pre-qualify in minutes. Checking your rate won't affect your credit score.
Common questions
Can I use a personal loan for a kitchen remodel?
Yes. Personal loans can cover cabinets, countertops, appliances, flooring and labor.
How much can I borrow for a kitchen remodel?
Through Compare Loan Offer you can request up to $50,000. Lenders set the approved amount based on your income, credit and debt.
Can I check kitchen remodel loan rates without affecting my credit?
Yes. Pre-qualification uses a soft credit pull, which doesn't affect your credit score.
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