The kitchen you drew. Not the one you settled for.
Almost every compromise in a kitchen happens in the last week of design, when the number gets real and something good gets cut. Financing exists so that conversation stays about the drawing.
Soft credit pull · No impact on your score · No obligation
Options
Three ways clients pay for a Northstone kitchen.
We are not a lender and we take no commission on any of these. We list them because knowing the options earlier produces better kitchens.
0% for 18 months
The promotional tier. No interest at all if the balance clears inside eighteen months. Most often used for the design and deposit stages.
- APR
- 0% promotional, OAC
- Term
- 18 months
- Typical score
- 700+
Fixed rate, 60–144 months
Predictable monthly payment across a longer horizon. Unsecured, so there is no lien on the house and no appraisal to wait for.
- APR
- From 6.99%, OAC
- Term
- 60 – 144 months
- Typical score
- 660+
HELOC or cash-out
Usually the cheapest money available, because the house secures it. Slower to arrange, so start it while we are still drawing.
- APR
- Typically lowest of the three
- Time to fund
- 3 – 6 weeks
- Note
- Places a lien on the property
Illustrative terms for demonstration. All financing is provided by third-party lenders on approved credit; rates, terms and eligibility are set by the lender and subject to change.
Illustration
What a project actually looks like monthly.
Sample figures at 7.99% APR to show the shape of it. Your real numbers come from the lender, not from us.
Estimates only, for illustration. Assumes 7.99% APR over 120 months with no down payment. Not an offer of credit.
How we bill
Five draws, tied to work completed.
You never pay for a stage that has not happened. Each draw releases against a milestone you can see with your own eyes.
- Draw 1 — 10%
- On signed design agreement
- Draw 2 — 25%
- On approved drawings, before cabinetry is milled
- Draw 3 — 30%
- On delivery of cabinetry to site
- Draw 4 — 25%
- On stone installation
- Draw 5 — 10%
- On punch-list completion, not before
Questions
Money questions, answered straight.
Nobody enjoys this part. Here is everything you would otherwise have to ask twice.
Can you finance a kitchen remodel?
Yes. Northstone offers 0% APR for 18 months on approved credit, and fixed-rate terms from 60 to 144 months through our lending partners. The application takes about four minutes and uses a soft credit pull, so checking your rate does not affect your credit score.
Does checking my rate hurt my credit score?
No. Pre-qualification uses a soft credit inquiry, which is not visible to other lenders and has no effect on your score. A hard inquiry only happens if you accept an offer and choose to move forward.
What credit score do I need to finance a kitchen remodel?
Most approvals come in above 660, and the 0% promotional tier generally requires 700 or higher. Applicants below that range are frequently approved on longer fixed-rate terms, so it is worth checking rather than assuming.
Is a HELOC better than contractor financing?
A HELOC usually carries a lower rate because your home secures it, but it takes three to six weeks to close and places a lien on the property. Contractor financing is unsecured and funds in days. Many clients use the 0% promotional period for the deposit and a HELOC for the balance.
Does financing change the price of the work?
No. The estimate is the estimate. We take no commission from any lender, and there is no cash discount — which also means there is no financing surcharge hidden in the bid.
Next step
Find the number first. Then fall in love with the drawing.
Your free consultation ends with a written investment range — the figure you would take to any lender.