Home improvement financing is a flexible installment loan that lets you pay for your kitchen remodel, flooring, countertops, or cabinets over time instead of all at once. You borrow a set amount and repay it in fixed monthly payments over 12 to 60 months. Sunshine Home Material partners with trusted lenders to offer competitive rates and fast approval decisions so you can start your project right away.

Checking your eligibility and viewing available loan options will not impact your credit score. After you choose a specific offer and submit a full application, the lender may request a full credit report, which could have a minor impact on your score.

You can finance your entire project, including RTA kitchen cabinets, quartz and granite countertops, SPC and WPC vinyl flooring, floating vanities, sinks, hardware, and even installation labor. Bundling everything into one loan keeps your payments simple and predictable.

You can finance purchases ranging from $300 up to $25,000. This covers everything from a single vanity or backsplash to a full kitchen remodel with cabinets, countertops, and flooring. Larger projects may qualify for extended terms with lower monthly payments.

Most applicants receive an approval decision within minutes. Checking your eligibility and viewing available loan options is instant and won't affect your credit score. Once you pick an offer and complete your application, you can typically move forward with your project the same day.

Once approved, you can set up automatic payments from your bank account through the lender's online portal or mobile app. You'll also receive monthly statements and can make one-time payments online, by phone, or by mail at any time without penalty.