Kitchen Cabinet Financing Options For Good & Bad Credit in 2026
Compare personal loans to finance new kitchen cabinets with fixed rates and fast funding.
Get your rate in minutes
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No credit score impact
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Borrow up to $100,000
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Kitchen Cabinet Financing
New kitchen cabinets cost $4,000–$20,000+ depending on material, style, and kitchen size. Cabinet refacing runs $4,000–$10,000. A personal loan lets you upgrade your kitchen now with predictable monthly payments.
Compare the best lenders for kitchen cabinet financing below.
Best Lenders for Cabinet Financing
| Lender | APR range | Loan range | Min. credit | Funding |
| LightStream | 7.49% – 25.49% | $5,000 – $100,000 | 660 | Same day |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 680 | Same day |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 580 | 1 day |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 640 | 1 day |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 660 | 3 days |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 600 | 3 days |
Kitchen Cabinet Costs
Stock cabinets: $2,000–$8,000. Semi-custom cabinets: $5,000–$15,000. Custom cabinets: $10,000–$25,000+. Cabinet refacing: $4,000–$10,000. Cabinet painting: $1,500–$4,000. Installation labor: $2,000–$5,000.
Store Financing vs. Personal Loan
Home improvement stores offer promotional financing, but deferred interest can be costly. Personal loans have fixed rates — what you see is what you pay.
Frequently Asked Questions
Can I finance kitchen cabinets?
Yes. Personal loans cover cabinets, installation, and any related countertop or hardware work.
What credit score do I need?
Upgrade accepts 580+. For the best rates, aim for 680+.
LightStream
- Loan range: $5,000 – $100,000
- APR: 7.49% – 25.49%
- Same-day funding
LightStream offers dedicated home improvement rates, same-day funding, and no fees.
SoFi
- Loan range: $5,000 – $100,000
- APR: 7.99% – 29.99%
- Zero fees
SoFi charges no origination, prepayment, or late fees.
Upgrade
- Loan range: $1,000 – $50,000
- APR: 6.94% – 35.97%
- Min. credit score: 580
Upgrade accepts lower credit scores with next-day funding.