Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Kitchen Finance

Apply for up to £5,000 over a period of 1 to 60 months.

Representative Example: If you borrow £500 over 6 months at a rate of 25.5% per annum (variable) with a representative 46.19% APR you will make 6 monthly payments of £92.96, repaying £557.76 in total.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk/en.

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Understanding Kitchen Finance

How Much Does a New Kitchen Cost?

Whether you’re looking to invest in just a few small kitchen improvements or repairs, or you are looking to administer a complete remodelling of your entire kitchen; Flexy Finance’s loans for kitchens aims to accommodate all of your essential customer needs. Kitchen finance is a fast, flexible and affordable way of paying for your new kitchen and is an excellent way of achieving the kitchen you’ve always dreamt of having.

cost of a new kitchen

What is the cost of a new kitchen?

Depending on the size and the work that needs to be carried on your kitchen, the average price of a new kitchen in the UK can vary quite a lot. Nevertheless, whether you’re just replacing your kitchen units with flat-pack ones or whether you’re giving your kitchen a complete new redesign, the expense isn’t likely to be cheap.

The average cost of a kitchen in the UK currently stands at around £8,000, and that’s not accounting for appliances such as fridge freezers and washing machines or accounting for the costs of the labour. Manpower can be expensive, and it takes a lot of work to have things like the walls primed, your old kitchen dismantled and disposed of, which can make the costs within the tens of thousands mark.

Nevertheless, a beautiful kitchen is essential as, for many, it can be the heart of your home and will be for many years to come. Most kitchen fitters will issue a guarantee with any units or fixtures that they fit, which in some cases can be anything from 18 years to 25 years, making a new kitchen a worthy investment.

Needless to say, unless you’ve been putting away your pennies for a rainy day or this specific reason, you may not be able to cover the costs in full, so what are your options?

Am I Eligible for Kitchen Finance?

If taking out a kitchen loan sounds ideal in your personal circumstances, then you may be wondering whether or not you’re likely to be eligible and be approved for this type of finance. In this section, we’ll talk you through the eligibility criteria for this type of personal loan.

Do I qualify for credit?

As we are a credit broker, not a lender, all of the lenders that we work with will have different eligibility criteria which you will have to meet subject to status. However, the minimum requirements a lender will expect you to meet for this type of finance are:

  • 18 years of age or older
  • UK resident for at least the past three years
  • In employment, earning at least £800pcm
  • With a valid UK bank account

Can I still get a Kitchen Loan if I have bad credit?

Yes, you can still make a credit application with us even if you have bad credit. This is because most of the lenders that we work with taking into account the many different reasons as to why an applicant may have bad credit and missed monthly repayments in the past.

However, it is worth mentioning that interest rates and APR are calculated depending on your creditworthiness, so if you do have bad credit, you may have to pay a higher price.

If you are already struggling with debt, you can seek free and impartial advice from the debt charity StepChange.

What does representative APR mean?

APR stands for ‘annual percentage rate’. Representative APR is the total cost of borrowing money over a year, which includes the interest and standard fees you will have to pay.

It is ‘representative’ as 51% of applicants will receive the same rate of interest, or lower, that is advertised by the lender. Therefore, it is not guaranteed that customers will receive the same APR that is advertised.

Instead, a customer will likely be offered a personal rate on a loan, which can be lower, higher, or the same as the advertised APR. Personal rates are generally influenced by factors such as credit score, personal finances and how much you want to borrow.

With the lenders we work with at Flexy Finance, the representative APR that we advertise is 46.19% APR.

What should I do if I’m struggling with debt?

It is important to remember to not to borrow more than you can afford, so always borrow responsibly. These loans should not be used for long-standing financial debt or other issues. Remember, if you are struggling with debt please click on the links below:

Advantages and Disadvantages of Kitchen Finance

To see whether or not this type of finance is best suited to your needs, you need to understand the financial impact of this type of credit in addition to weighing up the advantages and disadvantages. Therefore, for us to have complete transparency here at Flexy Finance, we’ll talk you through each of the pros and cons.

advantages and disadvantages of kitchen finance

What are the Benefits?

No waiting

With Flexy Finance, we can provide you with an instant decision on your home improvement loan application, meaning that you won’t have to wait around to see whether your application was successful or not.

Buy now, pay later

Get finance for the kitchen of your dreams and spread the costs

Spread the costs

By taking out a kitchen finance loan, you’ll ensure that you can spread the costs of your kitchen for anything from 1 to 60 months.

Fixed rates

Most of the lenders that we work with offer fixed rates, ensuring that you can easily account for your affordability and your budget.

0% interest offers

Many kitchen fitters and providers can offer their customers 0% interest-free credit of up to 5 years, meaning that you’ll only have to repay the costs of your kitchen if you pay within that period.

No hidden fees

At Flexy Finance, we charge no fees for the broking service we provide our customers.

No deposits or collateral required

We require no deposits or collateral for you to take out a kitchen finance loan.

What are the downsides?

Early Repayment Charges (ERC)

Should your circumstances change and you can repay your home improvement loan before the end of your loan duration, then you may be subject to pay an Early Repayment Charge (ERC). However, not all lenders issue these charges so you will have to check for fees in the loan agreement.

Interest rates for bad credit

Although all of the lenders that we work with consider all applicants reasonably, regardless of whether they have poor credit or not. You could incur a higher rate of interest on account of your poor creditworthiness.

How to Apply

Whether you’ve looked through kitchen designs and know exactly the one you want, or whether you’re applying for finance to establish a budget before you go shopping, here’s how the application process works here at Flexy.

lady completing kitchen finance application

Our Application Process

To apply for a kitchen loan with us, all you need to do is to fill out our online application form, ensuring all the information you provide is correct. As typos and mistakes are one of the biggest reason why credit applications get rejected.

Once you have submitted your application, we’ll then check in real-time our panel of lenders to match you with the best deal for your home improvement loan. You’ll be able to see whether your application for credit has been approved within just a matter of seconds, then you’ll be matched with the most suitable lender for your needs.

Why choose Flexy Finance?

At Flexy Finance, we prioritise our customer satisfaction over everything else. We take pride in ensuring that we can provide each and every one of our customers with the following:

  • Flexible repayment periods of 1 – 60 months.
  • We charge no fees for the service that we provide.
  • A five-star customer service team who are dedicated to assisting your needs.
  • A quick, secure and easy online application – No paperwork required.
  • You’ll receive an instant decision on your credit application within seconds.
  • Competitive rates on your kitchen finance loan.
  • We work with a panel of the top UK lenders.
  • We always follow people over profit practices.


Is a kitchen loan a good idea?

If you can’t afford to pay for the costs of your kitchen in full and instead wish to borrow the money and spread the costs over a repayment period of 1 to 2 years, then a kitchen loan could be ideal.

You should also ensure that you can afford the repayments, taking into account your monthly expenses. You can check your affordability by using a loan calculator such as the one by the Money Advice Service.

What is APR?

APR stands for Annual Percentage rate. Your APR is a representation of the amount of interest you’ll be charged for borrowing the loan on an annual basis and is expressed as a percentage of the loan.

How much can I borrow?

With Flexy Finance, you can apply to borrow anything from £100 to £5,000.

What are the repayment terms like?

Our repayment terms are flexible of between 1 to 60 months.

I have a few more questions, who can I speak to?

If you still have some pending questions, then please feel free to get in contact with us from the working hours of 9:30 am to 5:30 pm, Monday to Friday:

I’ve been declined, can I appeal my decision?

We’re sorry if you’ve been declined for credit; however, you may appeal your decision whether your application was rejected or accepted. To do this, please follow our complaints procedure.

What are the repayment terms?

There are several different factors that a lender will consider when offering interest rates to their customers. These include, but are not limited to:

  • Your risk profile
  • Credit history
  • How much you wish to borrow
  • The repayment term of your loan
  • Inflation
  • Interest rate fluctuations
  • General economic conditions

How to Find Kitchen Finance in Three Steps

Time Needed : 5 minutes
Check these steps to find out how easy it is to apply for a loan at Flexy Finance!
  • 1. Submit An Online Application Form​ for Kitchen Finance

    Applying through Flexy Finance is always quick and easy. Simply complete our 1-2 page application form. You can apply on the go, or from the comfort of your own home. Better still, there are no calls or paperwork involved!

  • 2. We search a large panel of UK lenders

    We search a large panel of UK lenders in real time, so that we can deliver you an instant decision. Within seconds of applying you'll know if a lender has accepted you or not. Unlike banks, our lenders are able to issue loans to people from all different walks of life and accomodate a range of different credit scores. There's an option for everyone!

  • 3. Access The Cash

    The majority of lenders are able to deposit the cash direct to your account, within just 24 hours! We'll never charge you any fees and there is no paperwork to complete. There you have it, apply for up to £5,000 in the quickest and simplest way possible today

  • 1. Mobile, Laptop or Tablet.

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