Kitchen cabinet financing in Chicagoland and Wisconsin
Spread the cost of your refacing project over time through our third-party lending partners. Apply during your free consultation, subject to credit approval.
How financing works with Refacello
Kitchen cabinet financing lets you start your project now and pay for it over time. Refacello offers financing to homeowners in Chicagoland and Wisconsin through third-party lending partners. The lender reviews your application, makes the credit decision and sets the terms.
Most homeowners apply during the free in-home consultation, once the designer has measured and written an itemized quote. That way you apply for an amount based on your actual project, not a guess.
We don’t publish rates or monthly payments because they depend on the lender, the plan and your credit. Your designer can show you the plans currently available, and the lender’s terms are spelled out in writing before you accept anything.
- Offered through third-party lending partners
- Subject to credit approval
- Terms disclosed by the lender before you accept
- No obligation to use financing after you apply
How to apply
Applying takes a few minutes and usually happens at your kitchen table.
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Get your written quote
Your designer measures, walks you through doors, finishes and options, and prepares a written, itemized quote. The quote total is the starting point for your application.
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Complete a short application
Ask your designer about financing and fill out the lender’s application with them, usually on a phone or tablet. It asks for basic personal and income information.
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Get a decision
Lenders usually return a decision quickly. If you’re approved, you’ll see the plan details and terms the lender is offering.
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Review and accept the terms
Read the lender’s terms and ask any questions before you accept. You’re never required to use financing because you applied.
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Move ahead with your project
Once financing and your contract are in place, your project manager schedules the precision measure and the work proceeds as usual. Your payments go to the lender according to its terms.
What you’ll need to apply
Requirements vary by lender, but most applications ask for the following.
About you
- Full legal name and home address
- Date of birth
- Social Security number
- Phone number and email address
Income and housing
- Annual household income
- Employment information
- Homeownership status and housing payment
Your project
- The total from your written quote
- A co-applicant’s details, if you’re applying jointly
Why homeowners choose to finance
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Start sooner
Doors take about 4–6 weeks from final measure to install. Financing means you don’t have to wait until you’ve saved the full amount to get in line.
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Keep savings in place
Some homeowners would rather keep a cash cushion for emergencies than spend it all on one project.
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Do it all at once
Financing can make it easier to add countertops or backsplash now instead of coming back for them later.
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Clear terms in writing
The lender spells out the plan before you accept, so you know exactly what you’re agreeing to.
Financing and the current offer
Financing is a way to pay for your project, while our current promotion lowers its price. Ask your designer how both apply to your quote, and check the terms on our special offers page.
Kitchen cabinet financing questions
Have a question we didn’t answer? Call (630) 555-0140 or send us a note.
Do you offer financing for cabinet refacing?
Yes. Refacello offers financing through third-party lending partners, subject to credit approval. Most homeowners apply during the free consultation.
What are your interest rates and monthly payments?
Rates, terms and payments are set by the lender and depend on the plan and your credit, so we don’t publish them. Your designer can show you the plans currently available, and the lender discloses the terms before you accept.
Does applying affect my credit?
That depends on the lender and the type of application. The application explains how your credit will be checked before you submit it.
Can I apply before my consultation?
Most homeowners apply during the consultation, since the amount is based on your written quote. If you’d like to talk about financing first, mention it when you book your consultation.
Am I required to use financing if I’m approved?
No. Applying doesn’t obligate you to accept a plan or to sign a contract with us. You can also pay another way.
Can I pay off my balance early?
Early payoff rules are part of the lender’s terms. Read them carefully, and ask the lender directly if anything is unclear.
What does financing cover?
Financing is tied to your project contract. Ask your designer how it applies to refacing and to any countertops, backsplash or other work on your quote.
Financing is provided by third-party lenders, not by Refacello, and is subject to credit approval. Terms vary by lender, plan and applicant. Rates, payment amounts and eligibility are determined by the lender. Ask your designer for current details.
See your kitchen with new doors before you commit
A designer comes to your home with door samples, finishes and hardware, measures your cabinets and leaves a written, itemized quote. It’s free, and there’s no pressure to decide that day.
- Tell us a little about your kitchen
- Pick a time for your in-home design visit
- New doors installed in 3–5 days