Personal loans

Credit made for you

Kitchen Reno Cost

Trusted by thousands of Australians

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

6.25 %

Comparison rate3

7.64 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. Any calculations made by you using this calculator is intended as a guide only.

Kitchen Reno Cost

Cooked up a budget for your kitchen reno cost and wondering how to fund it? 

Depending on your vision and the existing quality and style of the room, a kitchen upgrade can be a significant expense for homeowners and landlords once you account for the cost of kitchen appliances and replacing kitchen cabinets, as well as professional work. Luckily, MoneyMe and DVine Living are here to help.

Hosted by Dale Vine (of ‘The Block’ fame), DVine Living is a brand-new lifestyle series on 7Two. You can view every episode on the MoneyMe DVine Living page and learn the ins and outs of kitchen renos and many other DIY home improvement projects; and how you can use our home improvement loans to maximise your kitchen upgrade cost. 

MoneyMe offers unsecured personal loans of between $2,100 - $50,000. We only offer fixed rate loans, which means you’ll know exactly how much your kitchen home improvement repayments will be for the full duration of your loan. 

It only takes minutes to apply online or using the MoneyMe app, and you’ll receive a response almost immediately. Depending on who you bank with, you’ll have access to your funds the very same day. So if you’re ready to get cooking, apply online to cover your kitchen reno cost today!

1. How much does a kitchen reno cost?

The average kitchen renovation cost in Australia falls somewhere between $15,000 - $40,000. Your kitchen renovation cost needn’t make you feel like crying over spilled milk, but planning is important.

If you’re looking to refresh your kitchen space within a small budget, a few simple DIY updates can go a long way. Modernising your kitchen colour palette with a fresh coat of paint on the cabinetry and walls and upgrading hardware on the cabinet doors can all easily be done yourself and are cost-effective ways to introduce your sense of personal style to your kitchen. Alternatively, painting the walls, adding a new splashback and swapping out your cabinet doors while retaining the core cabinet structure can also be extremely effective. 

It goes without saying that your kitchen reno cost will start to increase quickly if your renovation plan involves kitchen remodelling, i.e. increasing functionality by changing the layout or size of your kitchen. These types of kitchen home improvement will typically involve replacing or repairing the existing laminate, timber or tile flooring; and the purchase and installation of custom cabinetry and new appliances to fit the space. Due to craftsmanship and quality, the cost of replacing kitchen cabinetry can be significant. 

Similarly, the moving or the installation of new gas, plumbing or electrical sources to increase the functionality of your kitchen will require the services of a professional to ensure work is performed to code. 

To make sure you’re getting the most competitive kitchen reno cost, we recommend getting more than one quote for the work and materials you’re after, then adding in a contingency of around 10% - 15% for any unforeseen expenses on top of that.

2. What is the best way to finance a kitchen renovation?

MoneyMe offers two ways you can finance your kitchen reno cost.

We offer unsecured personal loans between $2,100 - $50,000 at competitive rates, with a quick response time and funds delivered to most accounts the same day. 

Our 100% online application process takes less than five minutes and doesn’t require messing around with uploads of supporting documents. To be eligible to apply, you’ll need to be at least 18 years of age and an Australian citizen or resident for tax purposes.

You can apply directly via our website (just click ‘Apply Now’) or from your mobile phone or other device by using the MoneyMe app. 

 We’ll first ask you about how much you’d like us to lend you for your kitchen upgrade and over what how long. After that, you’ll need to tell us about your income, employment status, daily expenditure, and any liabilities, savings, and assets.

Combined with your credit history, this information gives us an accurate picture of your borrowing capacity, including accounting for contingencies. It allows us to craft a personalised loan for your kitchen reno cost and any others you may be wishing to apply for as part of the same loan like a bathroom remodelwood heater installation costbuild carport cost or patio cost. 

You might also consider supporting your renovation costs with a credit card or line of credit. Accessed exclusively via your smartphone, the MoneyMe Freestyle virtual Mastercard © offers a credit of up to $20,000 to approved applicants. You can use the card both online and in-store via Tap n Pay or even transfer funds straight to your bank account. 

Once approved, you’ll have immediate access to your MoneyMe Freestyle virtual Mastercard © It’s worth remembering that credit cards typically have a higher interest rate than personal loans. Still, they’re a fantastic tool if you can make your repayments in full within the 55-day interest-free purchase period. 

Visit MoneyMe online today and take advantage of our calculators and comparison tools to assess which product is best for your kitchen renovation, and you could be cashed up and ready to reno within minutes.

Our customers

Kitchen Reno Cost

Unbelievably easy finance when I needed it the most. A huge thank you from me and as a returning customer I know that I am getting a fair deal.

After 5 to 10 minutes of filling up my application, my loan has been approved and the money was in my bank account. I had a great experience that is why I'm giving them a 5-star rating. Excellent service. Thank you very much, MoneyMe.

Amazing through and through. MoneyMe helped me out when no one else would and they have been a delight to deal with. I 100% recommend their service. They're an absolute joy to deal with!


Review Stars Out of 2,701 reviews

View more

Transparent and
simple pricing

Interest rate

6.25 %
to 19.95 %

Comparison rate*

7.64 %
to 21.32 %

Establishment fee

$295 for loans between $2,100 and $5,000

$395 for loans between $5,001 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 1 year

Maximum 5 years

Early exit fees


*This comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A $495 establishment fee and $10 monthly fee applies.

Ready to get

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied