Best Kitchen Remodel Financing Options in 2026
Compare personal loans to finance your kitchen renovation — from minor updates to full remodels.
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 Remodel Financing
A kitchen remodel costs $15,000–$50,000 depending on scope. Minor updates like countertops and paint run $5,000–$15,000, while full gut renovations can exceed $50,000. A personal loan provides fast funding with fixed payments.
Compare the best lenders for kitchen remodel financing below.
Best Lenders for Kitchen 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 Remodel Costs
Minor refresh (paint, hardware, backsplash): $5,000–$15,000. Mid-range remodel (countertops, cabinets, appliances): $15,000–$35,000. Full renovation (layout changes, plumbing, electrical): $30,000–$60,000+. Cabinet refacing only: $4,000–$10,000.
Frequently Asked Questions
Can I get a loan for a kitchen remodel?
Yes. Personal loans cover all kitchen renovation costs with no restrictions.
What credit score do I need?
Upgrade accepts 580+. For rates under 10%, aim for 720+.
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.