Best Kitchen Cabinet Financing For Good & Bad Credit

Get personalized pre-qualified offers with no impact to your credit score.

Why TGUC For Kitchen Cabinet Loans?

Estimate your Kitchen Cabinet project cost

Use our Cost Estimator technology to receive real time market data for similar projects in your area.

Doesn’t impact credit scores

Get your personalized loan offers within minutes – fast financing with great rates and terms.

Competitive loan options

Kitchen Cabinet Loans up to $100,000; Terms up to 15 years; Competitive APR’s.

Choose a contractor

Finalize your project with a TGUC Financial vetted & approved contractor. For your convenience we will pay the contractor directly on your behalf.

What Our Customers Say

"TGUC Financial has an easy application process and they reached out to ask if I needed any help! Great customer service."
-Greg A., Denver Colorado

How TGUC Works For Kitchen Cabinet Financing

1 Pre-qualify

Fill out a form online to pre-qualify with no impact to your credit score.

2 Select offer

You receive an offer from TGUC directly since we fund loans.

3 Receive funding

After loan approval, your funds will arrive and the Kitchen Cabinet project starts.

Our Trusted Partners

 Join more than 10,000+ Borrowers

Get personalized loan rates no impact to your credit score. 

Can You Finance Kitchen Cabinets?

Is your kitchen in need of an overhaul? Are you worried about the cost? Don’t worry, kitchen cabinet financing is here to help. With a range of options available, you can find the perfect plan to fit your needs and budget. 

So why wait? Start shopping for those new cabinets today! Here’s what you need to know about kitchen cabinet financing for your home.

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Can you finance kitchen cabinets?

Yes. You can get either a secured or an unsecured loan for kitchen cabinets. Secured loans will require collateral, usually in the form of your house (a home equity loan or home equity line of credit is an example of a secured loan). 

In exchange for the collateral provided in a secured loan, lenders often offer lower interest rates, longer terms, and higher loan amounts, meaning more flexibility when it comes to replacing your kitchen cabinets. Unsecured loans, like most personal loans, do not require collateral. It can be easier to apply for these loans with funding sometimes available in as little as a day.

That said, they tend to offer interest rates and terms that aren’t quite as attractive as those included with secured loans. 

Does 0 percent financing for kitchen cabinets exist?

Check with your contractor to see if they are aware of any 0% financing options. Usually, these are through the cabinetry maker. Many offer 0% interest for 12 months, though there are plenty of vendors that offer longer interest-free financing as well.

If you’re considering a 0% financing option, it’s important to weigh all pros and cons carefully. Make sure you can afford the loan after the 0% period has expired. Also, ask your contractor or the materials supplier if you’ll get a discount for paying the price in full, rather than financing the purchase of your cabinets.

In some cases, there’s a discount for customers who can pay in cash – meaning it might not make sense for you to finance the purchase. 

Can you get kitchen cabinet financing with bad credit?

Often, you can still finance kitchen cabinets with bad credit. You might not qualify for a personal loan if your credit score is in the bad or even in the fair range. However, you might be able to receive financing if you apply with a cosigner.

You’ll usually need a credit score of at least 560 to apply for most personal loans. Again, applications look at a variety of factors, so shop around to find an option that works well for you. There are lots of no credit check financing kitchen cabinets options out there, including kitchen cabinets online financing tools. 

What are the best options to finance new kitchen cabinets (TGUC)?

You have a few options when it comes to financing new kitchen cabinets. One is to take out a home equity loan that lets you borrow against the equity in your home. You can usually borrow up to 90% of the value of your home more than what a set of new cabinets will cost.

There are also personal loans, which are generally unsecured installment loans with fixed interest rates. There are hundreds of personal loans out there for you to choose from, so be sure to shop around to find the best option.

TGUC Financial has all kinds of home improvement loans and easy financing kitchen cabinets options for you to compare. You can estimate your project cost and get a personalized loan offer in a matter of minutes – all without impacting your credit score. With competitive APRs and access to approved contractors, TGUC Financial is a great option. 

Of course, you could always put your kitchen cabinets on a credit card, too  – but these have much higher interest rates and less flexible repayment terms, making them less than ideal for most borrowers. 

Pros and cons of kitchen cabinet financing

In general, putting in new kitchen cabinets is a good idea. Kitchen renovations can add a lot of value to your home, helping you to increase its resale value. They tend to hold that value well, too – so that’s good news if you aren’t planning on selling anytime soon.

Financing your kitchen cabinets isn’t always the best choice, though. You could end up paying high interest rates that make the increase in value not totally worth it. Sometimes, it’s cheaper to just pay for the cabinets outright, since some contractors offer a discount for paying in cash versus paying via financing. 

Is it better to go through TGUC or a kitchen cabinet financing company?

You can always go through a kitchen cabinet financing company when you’re working on your remodel, but this isn’t necessarily the best choice. Working with TGUC is ideal because you’ll be able to compare offers from multiple lenders all at once – without a hard ding to your credit score. 

If you’re in the market for a new kitchen, or just need to update your cabinets, financing may be the best option for you. We’ve provided some tips to help you get started with the process. Remember, it’s always important to compare offers and read the fine print before signing any contract. Consider going through TGUC Financial to make the financing process a bit more transparent – and easier to navigate.

Open the door to affordable kitchen cabinet financing for good and bad credit. . . get started now!


Apply For Kitchen Cabinet Financing

Get your personalized Kitchen Cabinet Financing offer within minutes. Submit your loan inquiry and let us provide you with the best rate.  Don’t delay finishing your Kitchen Cabinet project for financial reasons.

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