Define the project first.
Bring photos, the property address and your priorities. Separate the work you need from optional upgrades, and identify allowances or unresolved selections before comparing funding.
Kitchen remodeling financing · Sacramento
Plan your kitchen.
Understand your financing.
Explore financing through Synchrony with US Construction Remodeling Corp. Start with a written project scope, then compare the available offer, monthly payments and total repayment cost.
Subject to credit approval. Offers and terms vary. A project inquiry is not a credit application.
The short answer
How can you finance a kitchen remodel with our team?
Ask our team about Synchrony financing when you discuss your Sacramento-area kitchen. We help define the remodeling scope; Synchrony determines credit eligibility and financing terms.
Review the actual offer.
Ask for the current written terms available for your purchase, including the APR, required payments, fees, promotional deadline if applicable and total repayment cost.
Apply through the lender’s process.
Use the application instructions provided for the offer. Our project form starts a conversation; do not enter Social Security, bank or card details there. A financing approval does not replace the construction contract.
Two different financing structures
What does the offer actually mean?
These explain financing types, not our current rates or promotions. Confirm which offer is available and read its complete terms before applying.
01 · Deferred interest
A payoff deadline matters.
A deferred-interest promotion can charge interest from the purchase date if the promotional balance is not paid in full by its deadline.
Required monthly payments still apply. Paying only the minimum may leave a balance when the promotion ends.
Ask: What is the payoff date, what rate applies, and how much would I need to pay toward this balance to clear it in time?
02 · Reduced APR
Interest is part of the plan.
A reduced-rate offer charges interest under its stated terms. Compare the APR, repayment schedule, applicable fees and total cost over the expected term.
A smaller monthly payment can reflect a longer repayment period. It does not, by itself, mean the borrowing costs less.
Ask: What will I repay in total, and how do extra payments or early payoff affect that amount?
Read Synchrony’s deferred-interest explanation and the CFPB’s consumer guidance. The signed credit agreement controls your account.
Compare the same project
What should you check beyond the monthly payment?
Use the same written kitchen scope for every comparison. A cabinet refresh and a layout change with plumbing relocation are different projects, even if their advertised payments look similar.
- Amount financed: Confirm the purchase amount and any portion paid separately from your own funds.
- Interest and fees: Review the APR, promotional conditions, account fees and any charges shown in the offer.
- Payment schedule: Check the amount due, first due date, repayment period and whether payments can change.
- Total repayment: Compare the amount you expect to repay, not only the monthly figure.
- Changes and timing: Ask what happens if selections change, work is delayed or the project needs additional scope. Do not assume an existing credit approval automatically covers additions.
- Early payoff and missed payments: Read how extra payments are allocated and what happens if a payment is late.
Start with a scope you can compare.
Tell us what needs to change in your kitchen and whether you want to discuss financing. We can review the project before you choose a funding approach.
Your other funding choices
Do you have to use contractor-arranged financing?
You can compare Synchrony with your own funding. These are general alternatives to discuss with your bank or adviser, not additional loan products offered by our company.
Your own funds.
Consider how much you want to put toward the project while keeping money available for household needs and unexpected conditions.
A bank or credit-union loan.
Compare a written personal-loan or home-equity offer using the same amount and repayment period. Home-equity borrowing uses the home as collateral; review its risks, fees and any variable rate with the lender.
A smaller or phased scope.
Ask whether suitable cabinets, appliance locations or other elements can remain. Plan phases around construction dependencies so a later step does not undo finished work.
Keep the two schedules separate
When do you pay the contractor and the lender?
Your construction contract describes project payments. Your financing agreement describes credit repayment. Read both before committing.
Construction project payments.
The written contract should identify the deposit and progress-payment milestones. For a typical California home improvement contract, CSLB states the down payment is limited to the lesser of $1,000 or 10% of the contract price, excluding finance charges. Its guidance identifies a limited bond exception. Review the rule that applies to your contract.
Work completed and materials delivered.
CSLB’s guidance limits progress payments to the value of work performed or materials delivered. Ask what each milestone covers and document changes to scope, price and schedule in writing.
Your Synchrony account.
Follow the lender’s agreement and statement for payment dates and account servicing. Do not assume that a construction delay changes a credit-payment deadline.
Invoices and project records.
Use your customer portal to review invoices shared with your account. For a construction invoice, follow the current instructions on that invoice or confirm with our team. Ask before paying again if a payment is still processing.
Sources and next decisions
Where can you check the details?
Use the current lender documents for your offer and the written construction contract for your project. This guide is general planning information, not an individual credit offer.
- 01Our financing and customer services
- 02Kitchen Remodeling
- 03Compare kitchen layouts before setting the scope
- 04Synchrony: understanding deferred interest
- 05CFPB: paying a deferred-interest balance
- 06CSLB: down payments and contractor selection
- 07CSLB: deposits and progress payments
Reviewed September 27, 2026. No specific APR, promotional period, credit limit or approval outcome is promised. Availability and terms depend on the current offer and credit approval.
Kitchen scope tool
Still deciding what to include?
Organize cabinet doors, drawer fronts, panels, finishes and installation assumptions before requesting a written scope. This tool is for project planning; it is not a loan calculator or a credit application.
A clearer scope gives you a better starting point for discussing how much funding the project may need. Final pricing requires review of the property and selected work.
Kitchen financing FAQs
What else should you know before applying?
Does US Construction Remodeling Corp. offer kitchen remodeling financing?
Our team can discuss Synchrony financing for your kitchen project and provide the applicable offer and application steps. Credit approval, availability and terms are determined by the lender and the financing agreement.
Does requesting a project review apply for credit?
No. Our project form is an inquiry. A separate lender application may involve a credit check; review its disclosures before submitting it. Do not send sensitive credit or payment information through our project form.
Is promotional financing always interest-free?
No. A deferred-interest offer can charge interest from the purchase date if the promotional balance is not paid in full by the deadline. A reduced-APR plan charges interest under its terms. Review the exact offer rather than relying on a headline.
Can you quote my monthly payment before the scope is known?
A meaningful payment estimate needs the amount financed and a specific offer with its APR, fees and repayment terms. We do not publish a generic monthly payment as a promise for an unreviewed kitchen project.
What if I do not qualify for the available offer?
Ask whether a smaller scope or practical phasing could meet your priorities, or compare options through your own financial institution. We cannot guarantee credit approval or a particular rate.
Can a financing approval increase when the project changes?
Do not assume so. Agree construction changes in writing, then confirm any additional funding requirements with the lender before authorizing work that depends on them.
Where do I pay a construction invoice or a Synchrony balance?
Follow your construction invoice’s current payment instructions for construction invoices. Follow your Synchrony statement for your financing balance. Your customer portal provides shared project information and invoices; it is separate from the lender account.
Let’s plan the kitchen and the next step.
Send your project address, a few photos and the changes you want to make. Let us know if you would like to review financing options.