A kitchen remodel or home addition is a major investment, and paying cash isn't the only realistic path to getting it done. Here's how financing actually works if you'd rather spread the cost over time.
The basic idea
Instead of paying the full project cost upfront, financing lets you make fixed monthly payments over an agreed term — similar in structure to financing a car or a large appliance purchase, but sized for a home improvement project. We offer homeowner financing through Service Finance Company, LLC (NMLS #140908, Equal Housing Lender), with fixed monthly installments, promotional programs on qualifying projects, and no pre-payment penalty. Financing is subject to credit approval.
Why homeowners choose to finance rather than pay cash
- —Timing — a roof or a bathroom might need attention now, but the project you actually want to do (a full kitchen, an addition) might be six months of saving away. Financing lets you start now instead of waiting.
- —Preserving cash reserves — some homeowners would rather keep savings liquid for emergencies and finance a planned renovation instead of draining an account for it.
- —Bundling upgrades into one project — if you're already remodeling and want to add scope (better finishes, an extra room, upgraded fixtures) beyond what you'd planned to spend in cash, financing can bridge that gap without delaying the project.
What to know before you apply
- —It's subject to credit approval, like any financing product — approval and terms depend on your credit profile.
- —No pre-payment penalty means you can pay off the balance early without an extra fee if your financial situation changes.
- —Promotional programs are tied to qualifying projects — ask what's currently available when you get your estimate, since promotional terms can change.
- —Financing is a tool for scope, not just total cost — it's common to combine some cash payment with financing for the remainder, especially if you're adding upgrades beyond what an insurance claim or initial budget covers.
How financing fits into the estimate process
Financing works alongside our normal process, not instead of it. You still get a full walkthrough, a design and pricing conversation, and a clear, itemized written estimate before anything is finalized — financing is simply a way to pay for that estimate over time rather than all at once. If you're weighing a remodel against an addition and cost is part of that decision, it's worth asking about financing options for both before ruling either one out on price alone.
Common questions
Does financing affect the price of the project itself?
No — financing is a separate arrangement from your project estimate. The scope and pricing of the work are the same whether you pay cash or finance.
Can I finance part of the project and pay the rest in cash?
Yes, this is common — many homeowners use financing to cover the difference between what they have on hand and the full project cost.
What if my project changes scope midway through?
Any change to project scope is handled the same way as with a cash-paying project — through a clear change order and updated pricing — and financing terms are set based on the finalized scope.
Learn more or get started
Full details, current terms, and how to apply are on our financing page. If you're still deciding what to build before worrying about how to pay for it, start with a free consult — see our kitchen, bathroom, addition, or whole-home remodeling pages for what's possible.
Financing provided by Service Finance Company, LLC (NMLS #140908), an Equal Housing Lender. Subject to credit approval. Promotional terms vary by program and are subject to change.