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How to Pay for Custom Kitchen Cabinet Refacing

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How to Pay for Custom Kitchen Cabinet Refacing

Reface your kitchen cabinets during the slow season and pay for the project over time without interest.

VoAtlas editorial Updated · 3 min read
Typical cost $5,000 before anything else
Across the 0% window $277.78/mo 18 months, no interest

How we got that: $5,000 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

You get the fresh look of new kitchen cabinets without tearing out the boxes, and the whole mess usually takes less than a week. Contractors are sitting idle during the slow home building season in late fall and winter, meaning you have real leverage to get lower labor rates.

Call at least three local cabinet shops for quotes to see who is cutting prices to fill their schedule. Once you have a firm number, you can map out your monthly payments so the project fits your cash flow.

That 18 months on the Citi Simplicity® Credit Card is a strict deadline, not free money. If you still have a balance left when the clock runs out, deferred interest or standard rates will kick in on whatever you owe.

The steps

  1. 01

    Get three quotes now

    Reach out to local cabinet refacers during the slow winter season when they are desperate for work. Compare the material quality, door styles, and total price before you sign anything.

  2. 02

    Set your monthly target

    Take your total quote, like a $5000 estimate, and divide it by your timeline. Spreading that cost across the intro window means paying about $277.78 per month.

  3. 03

    Line up the Citi Simplicity® Credit Card

    If you plan to charge the materials or labor, look at the Citi Simplicity® Credit Card. It gives you 0% for 18 months on purchases and balance transfers from date of account opening to spread out the payments.

  4. 04

    Schedule the install

    Lock in your contractor while their calendar is open. Most refacing jobs take three to five days, so you will have your kitchen back quickly.

  5. 05

    Automate your payments

    Set up an automatic monthly transfer to cover your target amount. Staying on top of the math keeps you on track before time runs out.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

How long does cabinet refacing take?

Most residential jobs take between three and five days from start to finish. The crew will remove your old doors and drawer fronts, apply new matching veneer to the cabinet boxes, and hang the new hardware.

Is refacing really cheaper than replacing?

Yes, because you keep the existing cabinet boxes instead of tearing them out and buying new ones. You save heavily on both labor and materials.

What is the slow home building season?

It typically runs from late fall through winter when new construction slows down. Contractors drop their prices during these months to keep their crews busy.

What happens if I miss a monthly payment?

Missing a payment can trigger late fees and might cancel your promotional rate early. Always set up auto-pay to protect your budget.