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Equipping a kitchen from scratch is one of the biggest home expenses most people face. Refrigerator, stove, dishwasher, microwave, and small appliances can easily total $3,000–$8,000 depending on brands and models. BNPL apps and appliance financing have made it genuinely possible to get a fully-equipped kitchen without a huge upfront outlay. Here’s what’s realistic.
Large Appliances: What to Finance and Where
Refrigerator ($600–$2,500): The single most essential kitchen appliance. Best Buy, Home Depot, and Lowe’s all offer Affirm financing, often with 0% promotional periods. A $900 refrigerator on a 12-month Affirm plan at 0% = $75/month. Home Depot frequently runs 12–18 month 0% deferred financing promotions on appliances over $299.
Range/Stove ($500–$1,800): Gas and electric ranges are available with Affirm financing at Best Buy and Home Depot. For standard electric ranges in the $600–$900 range, a 12-month 0% plan keeps payments under $80/month.
Dishwasher ($350–$1,200): Lowe’s, Home Depot, and Best Buy all finance dishwashers through Affirm or their own credit options. A $550 dishwasher on a 6-month plan = ~$92/month.
Microwave ($100–$500): Countertop and over-the-range models both work with Afterpay or PayPal Pay in 4. For microwaves under $300, Pay in 4 is the simplest option.
The Best Retailers for Kitchen Appliance Financing
Best Buy: Accepts Affirm and offers My Best Buy Credit Card with 6–24 month 0% deferred financing on appliances. Great for name-brand appliances with delivery and installation available.
Home Depot: Accepts Affirm and offers Home Depot Project Loan and Credit Card financing. Frequently runs appliance package deals where you can finance a washer/dryer or full kitchen suite together.
Lowe’s: Similar to Home Depot with Affirm integration and Lowe’s Advantage Card with 0% financing on purchases over $299.
Costco: Higher-quality appliances at competitive prices, with Affirm available. Costco’s return policy on appliances is also significantly more generous than other retailers.
Small Appliances
For small kitchen appliances — stand mixers, air fryers, coffee systems, blenders, toasters — Afterpay and PayPal Pay in 4 are the most convenient options given the typical $50–$400 price range.
Amazon: Affirm and PayPal Pay Later available. Best prices on most small appliances with Prime delivery.
Target: Afterpay and Klarna available. Good selection of KitchenAid, Instant Pot, Keurig, and other popular brands.
Williams-Sonoma: Afterpay available for premium small appliances. Good during sale periods for KitchenAid and All-Clad.
Phasing Your Kitchen Build
You don’t need to finance everything at once. Phase your kitchen build logically:
Phase 1 (Week 1): Refrigerator — can’t wait. Finance with Affirm 12-month plan.
Phase 2 (Week 2–4): Microwave and basic cookware. Use Afterpay or PayPal Pay in 4.
Phase 3 (Month 2): Dishwasher if not included. Affirm 6-month plan.
Phase 4 (Month 3+): Small appliances and premium cookware as Phase 1 payments wind down.
What a Fully-Financed Kitchen Costs Monthly
With smart phasing and 0% promotional offers, a complete kitchen build ($3,000 total) can be managed for $150–$250/month spread across 12–18 months. That’s less than a car payment for a fully-equipped kitchen.