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Pay for your modern kitchen over time.
Achieve your dream kitchen effortlessly, with our expertly tailored financing plans—ensuring a seamless, surprise-free experience.
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New kitchen financing FAQs
Not at all. It is up to you to finance all or part of your new kitchen remodeling project. Taking the time to plan a budget for the new kitchen can prove to be very helpful to many homeowners.
Your credit score is mostly determined based on information obtained from credit bureaus about your credit history. Financial institutions and other lending institutions use this information to evaluate your credit. When lending money to consumers, various types of financial institutions use these scores to assess the potential risk. Depending on your credit score, you'll receive different interest rates and credit limits for loans. (Find out your credit score on: Annual Credit Report.)
You can actually enhance your overall credit score by paying off your kitchen remodel financing plan regularly and on time. Credit reports contain information about your history of repaying loans and credit cards.
Getting your new kitchen financed through a home equity line of credit (HELOC) is an option if you have sufficient equity and good credit. In most cases, you can borrow 75 to 80 percent of your home's appraised value, minus any outstanding debt. Interest rates for HELOCs are usually variable, and you may be charged an appraisal fee as well as an annual fee of about $100 or less.
Investing in a new kitchen when selling your home is a good way to attract a wide pool of buyers and potentially increase the sale price. According to Remodeling Magazine's 2022 Cost vs Value Report, minor kitchen remodels recouped 71.2% of their costs.
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Annual Interest Rate
9%
Repayment Period
60 Months
Loan Amount
$50,000
Your Monthly Payment
$10.38
* Please note that this is only a calculation and should not be interpreted as a credit promise. Remember to include any installation or delivery/collection services.
Calculate your monthly payment
Use this calculator to get an estimate of your monthly payment
Kitchen Financing Options as Tailored as Our Designs
Interest-Free Credit
Bring your ideas to life with Interest-free credit (0% APR representative) up to $50,000 and spread your repayment over three months to 4 years. No monthly payments are required, and no penalties for pre-payment.
Buy Now, Pay Later
You can pay a deposit and nothing else for 12 months. After these 12 months, either pay in full with no additional fees or spread the cost over five years at 11.9% APR Representative.
Installment Loan
A traditional installment loan with equal monthly payment spread over 2-7 years with 7.99% APR
Terms & Conditions
Credit is provided subject to application, financial circumstances and borrowing history. Calculator can only provide an example and does not constitute a formal application. Applying for finance is subject to application, financial circumstances and borrowing history. German Kitchen Center Queens acts as a credit broker and not the lender. EnerBank USA acts as the lender. German Kitchen Center Queens LLC act as a credit intermediary for a single lender EnerBank USA ("EnerBank") and can only offer you loans provided by them. EnerBank USA ("EnerBank") is a trading name of EnerBank USA, a member of Regions Bank is authorized and regulated by the FDIC: Federal Deposit Insurance Corporation. To contact German Kitchen Center Queens please visit our contact details page here.