Flexible Financing Options to Fit Your Budget
We work with financial providers to bring a variety of options to make your remodel fit within your budget. Our financing options include, same as cash financing, payment deferment periods, and competitive interest rates.
Same as Cash Financing
Same as Cash allows you to waive paying interest if the entire financed amount is repaid during the promotional period. Your Same as Cash offer promotional period will depend on your credit score when you apply.
Payment Deferment Period
Don’t let upfront costs hold you back from achieving your dream remodel. Our payment deferment option allows you to start your remodeling project without any initial payments for the first 90 days.
Competitive Interest Rates
Our financial lenders provide competitive interest rates on your loan based on your credit score. Contact us today to begin your application and explore your options.
Home Improvement Financing in Rochester, NY
Explore our financing options to make your dream kitchen or bathroom a reality.
Explore you Options
Contact Kitchen By Oaks to discuss financing options or start your application today.
Current Financing Specials
12-Month, Same-As-Cash Loan
*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of September 2025, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Competitive, Low Rates
*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 7.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 84 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 84 monthly payments of $15.79 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
Lower Monthly Payments
*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 10.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $12.76 to $21.49 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Our Financing Process
Meet Your Kitchen's Financing Partner
At Kitchens by Oaks, we know that remodeling your home is the most rewarding investment you can make. That’s why we make it easier to bring your dream kitchen (or bath, basement, or complete-home remodel) to life — with expert financial guidance built right in.
By choosing to work with us, you gain access to our in-house financing advisor. This dedicated expert will use Oaks’ network of trusted lenders and resources to help you secure the lowest rate possible for your unique project
Meet the Financing Team
Want to know what options will be best for you? Contact our Finance Manager, Kevin Lofthouse, by emailing [email protected] or calling 585-734-0163.
Personalized Support Every Step of the Way
Financing a home remodel can feel overwhelming — but with our team, it doesn’t have to be. We’ll walk you through your options in simple, straightforward terms, helping you understand what works best for your goals and budget. You’ll get:
- Soft inquiry pre-approvals — explore financing options without impacting your credit score
- Same-day approvals for qualified homeowners
- Flexible repayment options, including low-interest and no-interest promotions
- No payments until after your work is completed
- Transparent guidance from people who genuinely want you to pay less, not more
Our financial team is here to answer every question, help you compare options, and ensure you feel confident in your decision. We’re not a dealership, and we don’t earn kickbacks or bonuses — our focus is 100% on making your project more affordable.
Ready to take the next step?
Connect with our team today to discuss your project and begin the financing application process. We’re here to provide a smooth, stress-free experience and ensure you feel supported every step of the way.