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Representative APR

59.9 %

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( It won’t affect your credit score )

Representative 59.9 % APR

Representative example

Borrowing £2,000 over 24 months at Representative 59.9% APR and Interest rate 59.9% p.a. (fixed) with monthly repayments of £131.05 and a total amount payable of £3,145.20. This example is for illustration purposes only. The rate and / or term you are offered is dependent on your individual circumstances Rates from 39.9% APR to maximum 89.9% APR. Loan terms from 12 to 36 months.

Kitchen Loans

Low credit ratings and poor credit histories can be barriers to securing a kitchen loan. However, with Likely Loans, help is at hand and we can offer an alternative to traditional kitchen finance options. Starting your dream kitchen project on finance can be difficult if you have bad credit, but our unsecured personal loans could help you spread the costs and pay in monthly instalments to help you achieve the kitchen designs you want.

If you have bad or poor credit, then we may be able to provide you with a loan for a new kitchen or a kitchen renovation loan. We know kitchen prices can vary so our personal loans suit all shapes and sizes, with options from £500 to £5000 and repayment terms of 12 month to 36 months. Whether you're looking to remodel a kitchen, renovate one, install a new one, buy new kitchen appliances or simply add that finishing touch, we have an option that may be able to help as an alternative to kitchen finance. Applying is quick and straightforward, and applying for a quote won't affect your credit score.

How Do I Apply?... 3 steps, that’s it!

When applying for one of our unsecured personal loans there are three simple steps to follow:

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1. Tell us a little bit about you

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2. Get an instant response

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3. Money next working day

Why You Should Use Likely Loans as an Alternative to Kitchen Finance Deals

When you apply for a kitchen loan with Likely Loans, you can find out if you’re eligible within minutes giving you the option to spread your costs. However, more great reasons for choosing Likely Loans include:

  • You won't be charged any additional fees on your new kitchen loan

  • All of our quotes come with no obligation to buy

  • You can manage kitchen renovation loans and new kitchen loans online

  • There are options on early repayment, without any extra charges

Frequently answered questions

What is a kitchen loan?

A kitchen loan is designed to fund your kitchen renovations. This could mean borrowing a loan amount just to cover the costs of new power tools and building materials if you’re a DIY kind of person, or getting professionals in to fit kitchens as kitchen installation costs can start to add up. If you can afford to improve your kitchen, you could benefit as upgrades can increase the value of your property.

Can I get a kitchen loan with a bad credit score?

With the ability to shop around online for different types of loans, getting rejected by your bank isn’t necessarily a problem as lenders like Likely Loans may be able to give you access to bad credit loans despite a low credit score. We understand that your financial history may not reflect your position now, so when applying for a kitchen loan with bad credit, lenders will look at your current financial situation and other indicators to decide whether you’ll be able to afford the fixed monthly repayments on the loan.

If you’re worried about being rejected because of your bad credit history, you can check your eligibility with us without having an impact on your credit score. We do soft search credit checks which mean your credit ratings won’t be affected at this stage. Simply enter a loan amount and term into our online loans calculator with a few of your details to receive your personalised loan quote.

Can I get an unsecured kitchen loan without a guarantor?

Yes. We offer unsecured loans which mean you neither need to secure your loan against your assets nor need someone else to be a guarantor as part of your application.

Can I get a kitchen loan with no credit check?

No. Responsible lending is our priority so we carry out credit checks to make sure we aren’t lending to anyone who can’t afford it.

What is the criteria to get a kitchen loan?

As with most loan providers, our lender requirements are that you’ll need to be over 18, a UK resident, employed and have a bank account and debit card to complete a loan application. In terms of income, you should be able to comfortably afford monthly payments from your regular income - for example, as a guide, £700 per month would be a minimum. We’ll look at your credit history and personal finances before making our decision.

How long will it take before receiving the kitchen loan?

Applying for any loan with Likely Loans is quick and simple and you’ll find out if you’re eligible within minutes. After that, you could have your money in your current account by the next working day.

What is an APR?

APR is the annual percentage rate and important for calculating the cost of money borrowed. Interest rates, fees, how often it’s charged and all other costs contribute to the APR. Representative APR is the APR we'll offer to at least 51% of people who are eligible - it's not a guarantee. The remaining customers that are also accepted will be offered a different APR than the one advertised based on individual circumstances. Please note, the APR offered is based on your personal situation and is dependent on many different factors. As such the APR offered may be different from the representative APR.

Will I pay a higher rate if I have bad credit?

Yes, you might. As a lender, we offer our representative APR of 59.9% to at least 51% of customers who are accepted for a loan. If you have bad credit, you may be charged a different rate.

What loan repayment terms are available for kitchen loans?

For a kitchen loan, you have plenty of borrowing options, with £500 to £5000 available for loan periods between 12 to 36 months which you can pay monthly.

Can I top up my kitchen loan?

You may be able to top up your loan in the future if you become eligible. You can check your eligibility through your online account.

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Get a Quick Quote for a Kitchen Loan

In order to apply for one of our quotes, all you'll need is a few personal details. You'll receive an instant response on whether you're eligible or not. You'll then be able to use this information to see how our loans compare to any kitchen finance deals. If your online application is accepted, you could have the money in your bank account as soon as the next working day, meaning you can finally start to book appointments for design consultations.

Apply for a Kitchen Loan Today

You can apply online today or get in contact with our team to learn more about our loans or ask any questions. Our knowledgeable team can help you.

( It won’t affect your credit score )

Representative 59.9 % APR