Kitchen Remodel Financing
Flexible Kitchen Remodel Financing for Maryland Homeowners
Remodeling your kitchen is a big step, but paying for it doesn’t have to be. At Southern Maryland Kitchen, Bath, Floors & Design, we offer flexible kitchen remodel financing options that make it easy to upgrade your space without compromising your savings. Whether you’re planning a complete remodel or update, our financing solutions are designed to help Maryland homeowners move forward with confidence, even with less-than-perfect credit.
Prefer to speak with someone directly?
"*" indicates required fields
Why Finance Your Kitchen Remodel in Maryland?
Kitchen remodeling costs in Maryland can be challenging to navigate. Upgrading cabinetry, countertops, flooring, or appliances adds value to your home, but paying upfront isn’t your only option.
Financing your kitchen remodel lets you:
- Spread payments over time with fixed monthly plans
- Keep your savings intact for other priorities
- Avoid high-interest credit card debt
- Start your remodel project sooner
- Choose from flexible programs for most credit levels
Whether you’re planning a complete remodel or updating select areas, flexible kitchen remodel financing options can help you move forward with confidence.

Kitchen Remodel Financing Options for Maryland Homeowners
At Southern Maryland Kitchen, Bath, Floors & Design, we offer kitchen remodel financing options to help you move forward with confidence, no matter your credit or budget. Whether you’re planning a complete renovation or upgrading individual features, such as flooring or countertops, we have a financing plan that fits your project and your needs.
Mohawk Synchrony HOME Credit Card
Designed for smaller projects or specific upgrades, such as new flooring, the Mohawk Synchrony HOME Credit Card provides the flexibility to move forward without using your primary credit line. It’s a convenient solution for Maryland homeowners seeking to initiate renovations while maintaining their cash flow.

Finance by Cambria
If your remodel includes countertops, cabinetry, flooring, and more, Finance by Cambria makes it easy to bundle your entire kitchen or bath renovation into one payment plan. It’s ideal for larger-scale remodels and offers options that work with a range of credit profiles.

Which Plan Is Right for You?
Are you unsure which financing option is the best fit? We’ll walk you through your options during a complimentary design consultation. Even if you’re exploring kitchen remodel financing with bad credit, we’ll help you find a solution that works.
Flexible Financing to Fit Your Budget

Financing a kitchen remodel should feel simple, not stressful. That’s why we offer flexible payment plans tailored to suit nearly every budget. Whether you’re upgrading your cabinets, flooring, or completing a full renovation, our financing options make it easy to get started.
Our financing options include:
- Short-term promotions or plans up to 10 years
- Low monthly payments tailored to your budget
- No prepayment penalties
FAQs About Kitchen Remodel Financing
In Maryland, the average kitchen remodel can range depending on the space’s size, materials, and scope of work. If you’re planning a complete renovation with custom cabinets, countertops, and new flooring, financing can be an effective way to manage the investment.
Yes. We work with financing partners who consider a wide range of credit profiles. Kitchen remodel financing with bad credit is possible through programs designed to be more flexible based on other qualifications.
No. You can finance part or all of your kitchen remodel, depending on your needs. Many homeowners choose to finance major areas, such as countertops or cabinetry, while paying for minor upgrades out of pocket.
Most financing programs include a soft credit check during the pre-approval process. A hard credit inquiry usually happens only when you move forward with your application.
Yes. Our financing options do not include prepayment penalties. You can pay off your remaining balance early without any additional fees.

Ready to Start Planning Your Kitchen Remodel?
Start your project with flexible kitchen remodel financing options designed for Maryland homeowners. Applications are quick and straightforward, with some approvals available in minutes. Whether you have excellent credit or are exploring options with less-than-perfect credit, we’re here to help.
Schedule your free design consultation today and let our team guide you through the best financing plan for your home, your vision, and your budget.
Want to Visit Our Showroom?
We’ll see you there.
Southern Maryland Kitchen & Bath
23064 Three Notch Rd, California, MD 20619
Mon–Sat: 9 AM – 5 PM