0% APR · 12 months
Best for projects up to $25K. No interest if paid in full within 12 months. Soft credit pull, 60-second decision.
Up to $25,000
Financing
Flexible financing — start sooner, pay over time
0% APR for qualified buyers. Soft credit pull. 60-second pre-qualification at your consultation.
Plans
Three simple plans
6.99% APR · 60 months
Most popular. Fixed rate, fixed payment, no prepayment penalty. Best for $25K–$80K projects.
Up to $80,000
8.99% APR · 120 months
For larger whole-home renovations. Lower monthly payment, longer term. No collateral required.
Up to $200,000
Rates current as of 2026. Subject to credit approval. Financing provided through our partner lender, not by Kitch Designs. Not all applicants will qualify for the lowest rate.
How it works
60 seconds to pre-qualify
- Schedule your free consultation. We come to your home, scope the project, and write a fixed-price proposal.
- Pre-qualify in 60 seconds. Soft credit pull only — no impact on your score. We share rates and terms on the spot.
- Sign and start. Once you sign the proposal, we order materials and schedule the build. First payment is after work begins.
- Pay over time. Monthly payments after the project is complete. No prepayment penalty — pay it off early if you'd like.
Financing FAQ
What people ask
Will checking my rate hurt my credit?
No — pre-qualification uses a soft credit pull, which is not visible to lenders or factored into your score. A hard pull only happens if you formally accept the loan.
Do I need a down payment?
No. Financing covers up to 100% of the project cost. We do collect a small deposit at signing to lock the schedule, applied to your first project payment.
When does payment start?
Most plans defer the first payment 30–60 days after project completion. Exact terms depend on the plan you select.
Can I pay off the loan early?
Yes. None of our financing partners charge prepayment penalties.
Is the 0% really 0%?
0% APR for the promotional period if paid in full by the end of that period. If a balance remains, deferred interest is charged from the start of the loan. We make this very clear in the paperwork.
Ready When You Are
Ready to transform your home?
Book a free in-home consultation. We'll measure, listen, and walk you through what's possible — no pressure, no fees.