Borrowing money, costs money

Financing the kitchen

Borrow money responsibly for a new kitchen

Your kitchen is due for replacement and you have already looked around at several kitchen farmers. If you do not have enough money to realize your dream, choose a responsible loan at The loan is justified because we always first give tailor-made advice. Based on a personal conversation and your financial options, we determine which loan you are best off with.

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Financing the kitchen: the possibilities.

You have several options for financing a new kitchen:

Benefits of a Personal Loan for a kitchen

With a Personal Loan you borrow exactly the amount you need to purchase your kitchen. The loan form has important advantages and is therefore the most popular loan for a kitchen . Logical because:

  • The interest is tax deductible because you use the money for home improvement.
  • The interest is fixed, so no unexpected increase in your costs.
  • You pay a fixed amount in interest and repayment every month.
  • The term is fixed. You know when your loan has been repaid.
  • Accelerated repayments can and is penalty-free

Interest Rates Personal Loan

The costs of a Personal Loan are based on your personal situation . The fixed interest rates for a Personal Loan from are:

  • With a Personal Loan, the minimum term is 6 months and the maximum term is 120 months.
  • The minimum interest is 3.5% and the maximum legal interest is 14%.
  • There are no additional costs.

Benefits Continuous Credit for a kitchen

A Revolving Credit is a flexible loan because you can always withdraw money. Moreover, the interest and term are not fixed. You therefore do not know in advance exactly what your costs are and when you have finished making repayments. You do, however, agree on a fixed amount that will be debited from your bank account every month.

These are the benefits of a Revolving Credit:

  • Up to a certain credit limit, you can withdraw as much money as you want and when it suits you. That is nice if you do not know exactly how much the renovation will cost.
  • You only pay interest on the amount withdrawn.
  • You pay a fixed amount per month in interest and repayment.
  • You can withdraw repaid amounts again. Handy if you want to tackle other chores around the house in addition to a new kitchen.
  • Always pay extra without penalty as much and as often as you want.

Note: The interest on a Revolving Credit is not deductible. The interest on a loan is only deductible if you use the money for the purchase or improvement of your home and if you pay off the loan step by step over a certain term. That is not the case with a Revolving Credit.

Interest rates Revolving Credit

The costs of a Revolving Credit depend on the amount of the credit limit. The monthly repayment of the Revolving Credit is a percentage of the credit limit, 1 to 2%.

  • With a Revolving Credit, the minimum term is 1 month. The maximum term depends on the interest, additional repayments and additional withdrawals.
  • The minimum interest is 4.5% and the maximum legal interest is 14%.
  • There are no additional costs.


When you buy a house, your mortgage may not exceed the home value. With your mortgage loan you can therefore only pay the purchase price and not also finance a new kitchen.

If you are already a homeowner and your home has equity, it is possible, under certain conditions, to increase your mortgage or to take out a second mortgage. But that takes time and there are costs involved, such as closing costs, appraisal costs and notary costs. These can amount to up to € 2,500. It is also possible that a higher mortgage interest is charged on the full mortgage amount.

Loan or mortgage?

A loan is often cheaper than increasing your mortgage or taking out a second mortgage. The interest on a loan is usually somewhat higher than the mortgage interest. But because the term is much shorter, you spend less on interest costs with a loan. If you need less than € 25,000 for a new kitchen, borrowing money is usually a better option. It is also not necessary for you to take out a mortgage to be able to deduct the interest. If you use the money for a renovation, the interest on a Personal Loan is also tax-deductible.

Loan or mortgage? Always get good advice and compare the different options.

Buying a kitchen on loan: pay attention!

Many kitchen sellers offer the option of purchasing the kitchen on an installment plan. Your kitchen will then be delivered and you will pay in installments afterwards . This form of borrowing money has a number of major disadvantages:

  • The interest can rise to the legally permitted maximum of 14%.
  • The interest is not tax deductible.
  • Favorable conditions expire at a certain point.
  • High fines possible in case of payment arrears.

Advantages of borrowing money from

Reliable lenders

Were you planning to go to your bank for a loan? There are many more lenders in the Netherlands where you can often borrow cheaper and under better conditions. does business with various reliable lenders , so that we can choose the most suitable loan for you from a wide range.

personal advice

You rarely finance a new kitchen. The loan that you take out must therefore be really responsible. We therefore always call you in advance for a personal consultation . There are no costs attached to this. We discuss with you how much money you can borrow and which loan form best suits your wishes and possibilities. We also check the information you have sent us. We then look for the loan that best suits your financial and personal situation and you will receive a no-obligation quote from us. If you agree, you can be sure that you are taking out a responsible loan. Do you still have questions after taking out your loan? Our credit specialists are also ready for you.

Attractive interest

We have an up-to-date overview of what the different lenders have to offer and follow their changes closely. For example, we always find a loan with a low interest rate and favorable conditions for financing your kitchen.

No closing and advice costs

You pay nothing with us for our advice and for taking out the loan. No hidden or unexpected costs. You will, however, be informed in advance exactly how your loan is put together, what your monthly costs are and how much you pay in total for the loan.

Apply for a responsible loan

Do you want to borrow money for a new kitchen? We are happy to help you with a responsible loan for your kitchen. Simply submit an application online and we will contact you within 24 hours for a no-obligation and free consultation.


Apply online

Not sure about your choices? Our advisors always go through the application with you.


The consultation

We will discuss your wishes and options together. You will receive the most suitable offer from us.


Send documents

You can provide all necessary documents digitally online in your personal environment.

The money in your account

We will handle the rest for you free of charge. The money will be in your account within 2 working days.

What do customers say about our services?

735 Customers rate with a 9.6 on Trustpilot

Trustpilot rating

Everything arranged quickly within two days so that we are cheaper.

Caroline 7 days ago
Trustpilot rating

Everything arranged super fast. Application made on Monday afternoon, had to send in a few more documents on Tuesday and the money was in the account on Wednesday. Absolutely great!

Mr. M. van der Meer 7 days ago
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