Financing your Kitchen Project

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By Lisa

At Kitchen Doors & Worktops, we understand that renovating your kitchen can be a significant investment, even in light of the massive cost savings you make through replacing the doors and worktops. There are a range of finance options to help make your dream kitchen a reality regardless of budget which we’ll highlight in this article.

Whether you’re looking to spread the cost over several months or pay for your purchase in full, there’s a range of financing options to help make your kitchen renovation project more manageable. We’ll take a look at:

  • Personal Loan
  • Home Improvement Loan
  • Refinancing
  • Credit Card
  • Pay in Full


Kitchen Finance Options


Personal Loan

A personal loan will allow you to spread the cost of your purchase. Typically available in amounts ranging from £1,000 to £25,000 and in some cases more. With this kind of loan you can spread the repayment over a fixed term – usually between one and five years – while getting a competitive interest rate and the comfort of knowing exactly how much you’ll pay each month.

For example, a range of new doors and a new worktop costing £2,600 can be paid for in affordable instalments ranging from as little as £55.11 a month over a period of 60 months*. That’s less than £2 a day!

*Instalments can vary depending on the interest rate and loan period you are offered by a lender. Example representative interest rate above is based upon a 9.9% APR over a 60 month period.

Home Improvement Loan

Home improvement loans can also be incredibly useful when it comes to financing a kitchen. These types of loans are specifically tailored to help people fund renovations and other investments in their homes, so they’re often easier to access than other types of borrowing. Plus, interest rates tend to be slightly lower than for personal loans or credit card, so you can enjoy a slight cost saving. With loan terms ranging from three to fifteen years, there is plenty of flexibility – allowing you to find the repayment term that works for you and your budget.


If you have an existing loan and are concerned about paying off another one, there may be the option of a ‘top-up’ or refinancing the one you already have.

By combining existing high interest loans and credit cards with a lower interest loan, could be a good way to save money each month.

The benefits of refinancing are:

  • It will allow you to reduce the total number of payments due each month
  • It can reduce your monthly repayment amount
  • You could make new arrangements with your existing lender and don’t necessarily need to look and apply with a new one


For example, if you have an existing loan of £4,900 with a 14.4% interest rate and your new kitchen doors and worktop quote is £2,600, you could apply to refinance with a lower interest rate.

Assuming your payments are all upto date and made on time, you may be approved for a new loan with a 6.1% interest rate, you could borrow £7,500 and use up to £4,900 to pay off your existing loan and £2,600 for the kitchen. This would leave you with one loan with a lower interest rate and a simpler repayment schedule.

Here’s a representative illustration of how this strategy could work:

Original Loan:

Existing Loan: £4,900 @ 14.4% (36 months at £176.77pm)
Your Kitchen Doors & Worktops Quote: £2,600


Loan Amount: £7,500 @ 5.9%
Term: 60 months
Total Monthly Repayment: £144.12pm

With the refinanced loan, you would save money on interest charges and lower your monthly payments (when compared to having 2 separate loans). Additionally, you would simplify your finances by only having one loan to manage, which can make it easier to keep track of your finances and stay on top of your payments.

If you have a monthly budget in mind, then why not use a loan calculator (like the one below from Novuna) to see how much you can afford to borrow to make your dream kitchen a reality?

Check out some of the best lenders with competitive interest rates:

Credit Card

Instead of taking out a loan, using a credit card to pay for your new kitchen could be beneficial. If you have a good credit score you may be eligible for a low or zero interest rate for a period, making borrowing relatively inexpensive.

Paying by credit card allows you to spread the cost of large purchases over a period of time, meaning you can pay it back in manageable chunks.

There are also some credit cards that offer a promotional interest-free period of up to two years or more on new purchases and balance transfers.

Pay In Full

If you prefer to pay for your purchase in full, we also accept payment by cash, cheque, debit card, and credit card. This option is perfect for those who have the funds available and want to take advantage of any special offers or discounts available at the time of purchase.

We understand that financing your kitchen renovation is an important decision. Our knowledgeable staff are here to help. Visit one of our showrooms, or contact us today to discuss your dream kitchen.

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Google 5 Star Review

A Job Well Done

"Good product, good attention to detail and everything depends on the fitter. Tony was excellent. He did a great job, broke no tiles and left the kitchen very clean. A job well done. RL"

Richard Langford

Google 5 Star Review

Thoroughly Satisfied. Kitchen Looks Amazing

"Karen was extremely helpful and did everything she could during these difficult times. Fitters were great guys. Thoroughly satisfied. Kitchen looks amazing"

Dawn Hardwicke

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"Friendly staff, good service. Prompt installation, quality product. Very satisfied"

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How we can help?


These are some of our most commonly
asked questions.

How much are the doors?

The simple answer is that it starts from as little as £35 for a made to measure replacement kitchen door and can go up to around £200. See more

Do we need to empty our cabinets?

In short no. Emptying your cupboards is a thankless task that requires the use of boxes, mess and the use of other living space. See more

Do you offer an installation service?

Yes, although you’re not obliged to use our installation service. We can be involved in as much of your project as you’d like. See more

Can you take away the rubbish?

The easiest and most cost-effective way is to take it yourself to your local dump, refuse centre, civic amenity site etc. This avoids any disposal costs as it’s treated as domestic waste.

If you’re unable to do it yourself we can dispose of your waste but there is a cost involved. See more

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