Financing · In partnership with Affirm
Get the kitchen now.
Pay for it monthly.
Start with a free, itemized quote. Then pre-qualify with Affirm in about 60 seconds and pick a monthly plan that fits your budget — you'll see your exact terms before you commit to anything.
over 36 months*
Cabinets + quartz countertops for a typical 10×10 kitchen — about $4,250 all in. Pre-qualify in 60 seconds with no impact to your credit score.
*Estimate only. Your rate (0–36% APR), term, and any down payment are set by Affirm at pre-qualification.
Payment Estimator
Here's what you'd pay
Drag the slider to your project budget and compare real monthly plans — including the honest total, interest and all.
$12,000 total
$13,962 total incl. interest
$14,969 total incl. interest
Example plans for illustration only. Terms from 3 to 36 months. Your rate (0–36% APR), eligible terms, and any down payment depend on Affirm's eligibility check and your purchase amount — you'll always see your exact numbers before you commit.
How It Works
From free quote to easy monthly payments
Get your free quote
Free in-home measurement and an itemized, in-writing quote — cabinets, counters, install, everything.
Pre-qualify with Affirm
About 60 seconds, soft credit check only — checking your options never affects your score.
Pick your plan
Terms from 3 to 36 months. You see the exact payment, total, and payoff date before you say yes.
We build your kitchen
Once you're approved, we get to work — free 3D design, delivery, and our in-house install crew.
Why homeowners choose Affirm
Transparent financing, no gotchas
No late fees, ever
Affirm never charges late fees, hidden fees, or compounding interest. What you see at approval is what you pay.
Your credit is safe
Pre-qualifying is a soft check — it never affects your credit score. Browse your options risk-free.
Everything up front
Exact monthly payment, total cost, and payoff date shown before you commit — never a surprise later.
Pay off early, save more
No prepayment penalty — and since interest never compounds, paying early never costs you extra.
Summer savings · through August 31
Up to 50% off list on select in-stock styles
Shaker, Esca, and Raised Panel collections are on special right now — and financing applies to your final invoice, so the discount lowers your monthly payment too.
Real projects, real numbers
Start with an itemized quote that's finance-ready
No vague allowances, no "starting at" games. Your quote lists every cabinet, slab, and labor line — so the number you finance is the number you actually pay.
- ✓
Free 3D design in about 48 hours
See your exact kitchen — colors, hardware, countertops — before you spend a dollar.
- ✓
Free in-home measurement
We measure, we double-check, we own the numbers. No measurement surprises mid-project.
- ✓
3-year workmanship warranty
Everything we build and install is covered in writing — long after the last payment.
Financing FAQ
Questions homeowners ask before financing
Does checking my Affirm options affect my credit score?
No. Pre-qualifying with Affirm is a soft credit check and does not affect your credit score. If you go ahead with a plan, your payment plan and repayment activity may be reported to credit bureaus.
What rates does Affirm charge?
Rates run from 0% to 36% APR depending on your credit profile, the purchase amount, and the term you pick. 0% APR options are available to qualified buyers. You always see your exact rate, payment, and payoff date before you commit — no surprises later.
Are there any late fees or hidden fees?
No. Affirm never charges late fees, hidden fees, or compounding interest. What you see at approval is exactly what you pay.
Can I pay off my plan early?
Yes. There's no prepayment penalty, and because Affirm doesn't compound interest, paying early never costs you extra.
How do I pay with Affirm at WoodArt?
First get your free, itemized quote from WoodArt. When you're ready to move forward, choose Affirm as your payment option — pre-qualify in about 60 seconds, pick the plan you like, and we get to work. You make your monthly payments to Affirm by debit card or bank account.
What can I finance?
Any WoodArt project: cabinets, countertops, flooring, hardware, installation, or a complete kitchen or bathroom remodel. Financing applies to your final itemized invoice.
Who qualifies for Affirm financing?
You'll need to be a U.S. resident, 18 or older, with a valid SSN and a U.S. mobile number that can receive texts. Approval and terms are determined by Affirm's eligibility check. If financing isn't a fit, call us — we'll walk through your options together.
Rates are between 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amounts shown on this page exclude taxes and delivery, and are examples only — your actual rate, term, and payment are shown by Affirm at pre-qualification. Affirm loans are primarily for personal, family, or household use. For licenses and disclosures, see affirm.com/licenses. WoodArt Cabinets is not a lender and does not make credit decisions.
Ready to see your kitchen — and your payment?
Free in-home measurement, free 3D design, and an itemized quote you can finance. No obligation.