Loan management
How to manage a short-term loan
Setting up autopay, making overpayments, changing your repayment date, and getting the most from your loan without extra cost.
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Kitchen renovation loan
Transform your kitchen without draining your savings. A Cash Train loan puts up to £5,000 toward a kitchen refit with fixed monthly repayments.
Apply now →Unregulated lender • Apply online — decision in minutes
Typical renovation costs
What does a kitchen renovation actually cost?
Refresh and reface
£500–£2,000
New doors, handles, and a lick of paint on carcasses that are still in good shape. The fastest way to modernise without a full rip-out.
Budget full refit
£2,000–£5,000
Mid-range flat-pack units, worktops, and basic appliances fitted by a local tradesperson. Covers most average-sized UK kitchens.
Mid-range renovation
£5,000–£12,000
Rigid units, stone or composite worktop, integrated appliances, and new flooring. Popular with buyers preparing to sell.
Premium bespoke kitchen
£12,000–£30,000+
Handmade cabinets, quartz or granite worktops, premium brand appliances. Architect-designed layouts for larger spaces.
Price ranges are approximate market averages for UK households. Actual costs vary by kitchen size, materials chosen, region, and tradesperson rates.
Choosing the right loan
Which tier fits your renovation?
Flex
£500–£2,000
3–12 months
A cosmetic refresh, new appliances, or topping up savings toward a kitchen refit that is mostly funded already.
Apply now →Plus
£2,000–£5,000
6–24 months
A budget full refit or a significant contribution toward a mid-range renovation, covering units, worktops, and fitting costs.
Apply now →One application covers any amount in our range. We'll match you with the right tier for your situation.
Simple process
How it works
Register
Tell us about yourself and the amount you need. It takes a few minutes and leaves no footprint on your credit file at this stage.
Fast decision
Most decisions are made in under 2 minutes. We assess your application on affordability, not just a credit score.
Money to your account
Approved and signed, funds go straight into your bank account — same day in most cases. Pay your tradesperson or supplier directly.
Common questions
Kitchen renovation loan FAQs
Most UK homeowners spend between £2,000 and £8,000 on a full refit using mid-range flat-pack units. Labour typically accounts for 30–50% of the total cost, so always get at least three tradesperson quotes before you commit.
Yes — the funds go into your bank account and you can spend them however you choose across the renovation. Many borrowers use a single loan to cover units, worktops, appliances, and fitting in one go.
A kitchen refresh generally adds value, but a full renovation rarely recoups its full cost in a sale. If you are selling, focus on cosmetic improvements. If you are staying, prioritise what you will enjoy day-to-day.
A refresh replaces doors, handles, worktops, and paint while keeping the existing carcasses and layout. A full refit strips everything back to bare walls and replaces all units, plumbing, electrics, and flooring. Refreshes are significantly cheaper and less disruptive.
Ready to renovate your kitchen?
Apply online now and get a fast decision — fixed monthly payments, no hidden fees.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk