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Small Kitchen Renovation Cost

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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.

Small Kitchen Renovation Cost

Have you got big culinary dreams but not sure whether your small kitchen renovation cost budget can accommodate them? 

MoneyMe offers competitive low-rate home improvement loans of between $2,100 and $50,000. You can apply online in a matter of minutes and get a response in about the same. Depending on who you bank with, you can even have the funds for your kitchen upgrade the very same day. 

We’re also the official finance partner of DVIne Living, a brand-new lifestyle home renovation show hosted by Dale Vine (of ‘The Block’ fame). You can catch every episode on the MoneyMe DVine Living page, learn how to minimise your kitchen renovation cost, and get the most out of your MoneyMe personal loan.

1. How much does it cost to renovate a small kitchen?

The kitchen isn’t just the space at the heart of the home, and it’s also one of the most heavily used. When working with a small space, it’s important to make sure that maximising floor space and cabinet functionality are the primary focus of your design. But that doesn’t mean you have to compromise on luxury style. 

The average cost to renovate a small kitchen in Australia falls somewhere between $10,000 - $25,000. To help budget for your small kitchen renovation cost, it’s important to do your homework and make smart choices around appliances and hardware, layout, install, what you can (safely and legally!) DIY, and where and when you’ll need to spend on professional labour. 

Significant kitchen remodel costs typically involve moving or adding new plumbing and electrical, a custom cabinet build, high-end appliances, sinks and splashbacks, and the corresponding professional labour required to install them when remodelling.

Suppose your existing kitchen cabinet design and layout allows for good storage and floor space but is in desperate need of a style makeover. In that case, you might consider upgrading the doors, hardware and benchtop instead of the entire cabinet - all of which can be done DIY. This is a great way to keep your small kitchen renovation cost down but achieve the style and feel you’re after with your renovation. The lack of professional labour cost means you might even choose to indulge in that luxury marble benchtop you’ve been dreaming of or some quality kitchen appliances and accessories.

Similarly, upgrading your kitchen floor can influence the perception of size of the space. Whether you’re dreaming of a freshly-polished timber floor or an easy-maintenance vinyl or laminate material, you might be surprised to find out that it’s relatively easy to DIY most floor surfaces - if you’re game!

2. How to apply for a loan to cover the cost of renovating a small kitchen?

Applying for a MoneyMe loan to cover your small kitchen renovation cost is easy. 

It takes just a few minutes, and you can apply online or using the handy MoneyMe app. 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. We’ll verify this by asking you for an Australian government-verified form of identification such as your driver’s licence, passport or Medicare card. 

Before you get started on your application, we recommend checking out our handy loan calculator. You’ll be able to compare a variety of loan amounts, lending periods and repayment options for your renovation project. We believe in responsible lending and are transparent about our fees, so you’ll know exactly how much your repayments will be ahead of time, with no hidden surprises. What’s more, we won’t penalise you for making early repayments - in fact, we encourage it!

When you begin your loan application, we’ll ask you about how much you’d like us to lend you to support your small kitchen renovation cost - and any other renovation costs you’re considering like a bathroom remodelveranda cost or wood heater installation cost - and over how long. Once you’ve confirmed that, you’ll need to tell us about your employment and income, daily expenditure, and any liabilities, savings, and assets.

We’ll then review your credit history using the new reporting methodology. Whereas previously, your credit file only reflected any negative activities, such as where you may have missed a bill or defaulted on a line of credit, the new, comprehensive method of credit reporting allows us also to see your positive credit behaviours. We think it’s great, as it means all your regular, on-time repayments are recognised - creating a much clearer, fairer, and more positive borrower profile.

Once you’ve completed the online loan application form, we’ll ask you to sign in to your online bank platform. It’s important to note that we don’t receive access to your account - our system simply requests a 90-day transaction statement in PDF read-only format from your bank. After receiving it, our online loan management system will use it to confirm the information you provided around income, existing debt, and other expenses listed in your application.

This is the final step in the loan application process, and you’ll receive the outcome about your kitchen home improvement funds immediately after. 

So, if you’re ready to get cooking, jump online and hit ‘Apply Now’ on the MoneyMe website or app, and you could have the cash for your small kitchen renovation cost in your account today.

Our customers

Small Kitchen Renovation 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!


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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.

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