Make Your Dream Kitchen Affordable

Credit requirements vary by financing program. We work with multiple lenders to accommodate a range of credit profiles. Most programs require a minimum credit score of 600-640, but we have options for those with lower scores as well. The best way to find out is to apply—there's no obligation and checking won't affect your credit score.

Initial applications typically use a "soft pull" which does not affect your credit score. If you're approved and decide to proceed, a "hard pull" will be conducted as part of the final approval process, which may have a minor, temporary impact on your score.

Most applications receive a decision within minutes. In some cases, additional documentation may be required, which could extend the process to 1-2 business days.

Minimum financing amounts start at $1,000 for promotional plans and $5,000 for home improvement loans. Maximum amounts can reach up to $100,000 depending on the program and credit approval.

Yes! None of our financing programs have prepayment penalties. You can pay off your balance early at any time without incurring additional fees. In fact, paying off promotional 0% APR plans early ensures you avoid any deferred interest.

If the balance isn't paid in full by the end of the promotional period, interest will be charged on the remaining balance from the original purchase date. This is called "deferred interest." We always recommend setting up payments to ensure you pay off the balance before the promo period ends.

Our financing can be used for any purchase at Express Kitchen & Bath, including cabinets only, countertops only, or a combination of both. Installation costs can also be included in your financed amount.

We work with established, reputable financing companies that specialize in home improvement lending. Our partners may include Synchrony Financial, GreenSky, and other trusted lenders. The specific lender will be disclosed during your application process.