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Kitchen Upgrade

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Example interest rate

9.20 %

Comparison rate*

10.58 %

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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. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Kitchen upgrade

The kitchen is often seen as the heart of the home, so if it looks a little tired, it probably deserves a kitchen upgrade.  If you love to cook, then a kitchen with a host of appliances, swathes of benchtops and high-end fittings will be a dream come true.  More of a takeaway kind of person?  Even so, a neat and functional kitchen with cool gadgets like a coffee machine or a sparkling water tap would be great to have to supplement your takeaway habit.  Wherever you are on the culinary scale, a kitchen upgrade will smarten up and add value to your home, so is a worthwhile investment.

Kitchens are where we nourish ourselves and often the room where we gather with family and friends as we prepare food and discuss the day.  Having a kitchen upgrade to create a space that suits your family’s needs will make these times more relaxed and fun with everything at your fingertips.  The extent of your kitchen upgrade really depends on your design ideas and your budget.  A kitchen upgrade can be as small and affordable as a new fridge which tells you when your groceries are going out of date and makes ice, or it can be as extensive – and expensive -  as a complete gut and refit, even changing the layout.

A kitchen upgrade should be where functionality meets your personal style, so it’s important to plan carefully for what you want to achieve and the budget you have. Although a major design project will naturally carry a higher cost, it doesn’t have to be expensive.   A change in cabinetry will go a long way to updating your kitchen, but this can be as easy as changing the doors or even painting them.  If your kitchen is still stuck in the 80s, swapping dated hardware for stylish modern fittings in brass or matte black will get your kitchen upgrade going quickly and easily.  Open shelves on a free wall are another popular feature in modern kitchens and can increase the size of your storage areas in a flash.  This is also a great space to display your collection of kitchen crockery or add some plants. Decorative features such as tiles and a new backsplash will lift the mood.  Custom lighting can also change the mood, which is another thing to consider in a kitchen upgrade.  Good strong light over workspaces will greatly enhance your food prep.  Naturally, a lot of these will require the help of the appropriate tradie to ensure quality work that will stand the wear and tear of daily life, so that needs to be factored into your kitchen remodel cost.

What kind of loan is best suited to cover the cost of a kitchen upgrade?

If you are looking into home improvement loans, then a personal loan is best suited to cover the cost of a kitchen upgrade.  With MoneyMe, you can borrow up to $50k, which should really help with your renovation costs.  A MoneyMe has no hidden charges and low rates – cheaper than those of the Big 4 banks - for an unsecured personal loan.  Also, you can pay off your loan as fast as you like as we don’t charge early exit fees. 

Perhaps you are going for something a little more low-key.  If your budget isn’t as extensive for your kitchen upgrade, then you could consider our Freestyle Mastercard, with a limit of up to $20k.  It also has the added bonus of MoneyMe Perks with credit back at over 1400 participating stores.

How long does it take to get the loan?

It takes no time at all to get your loan if you choose to apply for a loan with MoneyMe.  Our loan application is all online so that it can be done quickly and easily from your device.  There is no need for fussing with paperwork or producing hard copies of documents – everything is digital and fast.  Applying for your loan takes only minutes. If you meet our criteria and your loan is approved, the money can be in your account the same day. With a MoneyMe unsecured personal loan, you can borrow up to $50k.  That means you can get started on your kitchen upgrade straight away.  

The same speed applies to our Freestyle Mastercard. It is also quick and easy to apply for, and it can be ready for you to use in minutes, subject to approval.  

Can't wait to start your dream home improvement project? MoneyMe has got you covered for your kitchen upgrade. With home improvement loans up to $50,000, we can help cover your kitchen renovation cost or bathroom renovation cost now, and you can pay later in easy variable instalments for up to five years. Thinking about backyard paving or keen to find out more about a bathroom remodel or kitchen home improvement?  If you'd like to get more ideas on how a personal loan can help you with home upgrades, be sure to visit the MoneyMe DVine Living page to view the range of mini-episodes of the renovation TV show DVine Living hosted by Dale Vine.  Check it out and make your dream kitchen a reality.

Our customers

Kitchen Upgrade

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

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

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

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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