Good lighting changes how you use your kitchen. You stop squinting at cutting boards and start actually seeing what you are cooking. A smart system lets you dim the lights or change the warmth from your phone. It usually takes a weekend to install if you are handy, or a few hours for a pro.
Aim for a holiday project week when hardware stores run sales on smart home tech. If you need an electrician, try to book them in the late winter when they are less busy. Make sure you get at least three quotes before you pick someone for the job.
The intro window is a firm deadline. If you still have a balance after 15 months, you will start paying interest on whatever is left, which makes your kitchen project much more expensive.