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Outdoor Kitchen Financing

Request to prequalify for outdoor kitchen financing with a trusted contractor in our network.
Outdoor Kitchen Financing
Do you want to create evenings gathered around a sizzling grill and pizzas baking in a stone oven?
Renovate helps you explore contractors offering outdoor kitchen financing so you can spread payments and start cooking sooner.

How To Get Financing to Upgrade Your Outdoor Cooking Area

Step 1
Complete Renovate’s short online form with your personal details, credit profile, and what you want to get done, like the grill type, counter material, and any gas, water, or electrical hookups.
Step 1
Step 2
We’ll review your information in real-time. If you prequalify for financing, preliminary financing details may appear on-screen.
Step 2
Step 3
Proceed to the full application to get a final decision.
Step 3
Step 4
If approved, your contractor can start working on your outdoor kitchen while you repay the loan in predictable installments.
Step 4

What is Outdoor Kitchen Financing?

Outdoor kitchen financing allows homeowners to spread the cost of designing, building, and equipping an outside cooking space into monthly installments. This type of loan typically covers appliances, cabinets, countertops, utilities, and labor.
What is a Outdoor Kitchen Loan?

Types of Outdoor Kitchens

Our network of experienced contractors specializes in a wide range of outdoor kitchen designs. Here are a few popular layouts you might consider:

  • Built-in grill islands: These are permanent structures that typically feature a gas or charcoal grill set into stone, brick, or concrete bases. Some homeowners also customize their islands with side burners, warming drawers, and weatherproof cabinets for a seamless look.
  • Modular outdoor kitchen: Made of pre-fabricated units that can be configured into nearly any shape. They’re flexible if you want a faster installation timeline or plan to expand your kitchen later.
  • U-shaped or L-shaped setups: If you love to host large gatherings, these two setups offer generous counter space for prepping, serving, and seating. U-shapes provide a central cooking area, while L-shapes fit neatly against patios or fences.
  • Portable cooking stations: These rolling carts are equipped with cooktops, storage shelves, and prep surfaces to make it easy to create a movable cooking zone. These work best for compact patios or renters who want outdoor flexibility without permanent installation.
  • Luxury outdoor kitchens: These high-end setups often come with extras like built-in pizza ovens, smokers, ice makers, sinks, beverage fridges, and bar counters. They can transform your backyard into a true extension of your living and dining space.

How Much Does It Cost to Finance an Outdoor Kitchen?

Depending on design complexity, appliances, and location, creating a custom outdoor cooking space typically costs between $5,000 and $70,000.

Appliance Costs

Appliance Cost Range
Built-in grill $1,500–$10,000
Side burner $300–$1,000
Outdoor refrigerator $500–$3,000
Pizza oven $2,000–$14,000
Ice maker or beverage cooler $600–$2,500

Construction and Material Costs

Component Cost Range
Countertops (granite, concrete, stone) $40–$200 per square foot
Cabinetry (stainless steel, masonry) $700–$1,600 per linear foot
Pergola or weatherproof overhead cover $1,450–$31,000
Custom masonry or stone veneer work $3,000–$12,000
Outdoor-rated flooring or pavers $5–$35 per square foot

Utility Connection Costs

Utility Setup Cost Range
Gas line extension $12–$25 per linear foot
Electrical work (lighting, outlets) $4–$9 per square foot
Plumbing installation (sink, drainage) $450–$1,800 per fixture

Common Outdoor Cooking Area Problems

Outdoor kitchens add incredible value and enjoyment to your home, but they can wear and tear over time. Here are some of the most common issues that the skilled contractors in our network can diagnose and avoid so you can enjoy your outdoor space for years to come:

  • Clogged or dirty burners: Grease buildup, grime, or insect nests can block burners. This can lead to uneven flames, cold spots, or even full burner failure. Regular cleaning and maintenance can help keep your grill working like new.
  • Rust and corrosion: Exposure to rain, humidity, and salty air can cause metal grills, cabinetry, and fixtures to rust or corrode. This can be prevented by choosing marine-grade stainless steel and applying protective coatings to slow down deterioration.
  • Cracked countertops: Freeze-thaw cycles, heavy use, or impacts from dropped items can crack concrete, stone, or tile countertops. Sealants and weather-resistant materials can minimize the risk.
  • Poor smoke ventilation: Without proper airflow planning, smoke from grills or smokers can drift toward dining areas, which can make your outdoor meals less enjoyable. Contractors can install vent hoods or reorient grills to direct smoke away.
  • Gas or water line leaks: When you work with non-professionals, they can miss safety standards that can lead to leaks that pose health and fire risks. Licensed professionals make sure all gas, plumbing, and electrical systems are installed to code.
  • Outdated or unsafe electrical outlets: Outdoor cooking spaces require weatherproof, GFCI-protected outlets. If not properly installed, these can become hazardous during rain or heavy humidity.
  • Pest infestation: Leftover crumbs and open spaces can attract ants, rodents, and other pests. The professionals in our network can recommend building tight-fitting cabinets and using pest-resistant materials to help keep your kitchen clean and safe.
  • Worn decking or pavers: Heavy appliances like grills and fridges can shift pavers, sag decks, or crack slabs over time. The experts in our network know how to reinforce the foundation before installing equipment to extend the life of your setup.

Factors to Consider Before Starting Your Outdoor Kitchen Project

Planning an outdoor kitchen isn’t just about picking out a grill. There are many factors to keep in mind before breaking ground.

Space and Layout

Space and Layout

Your available space will determine what layout makes the most sense. Tight patios often benefit from a straight-line or L-shaped kitchen that hugs one wall. Larger areas can accommodate U-shaped designs with islands, bar seating, or multiple cooking zones. Make sure there’s plenty of clearance for grill lids, traffic flow between prep and dining areas, and space for extra features like sinks or fridges.

Utility Access

Utility Access

You need running gas, water, and electrical lines to your outdoor kitchen, and these can add both cost and complexity. If your build site is far from your home’s main connections, you’ll likely face higher installation fees. A skilled contractor can help map the best routes for utilities while making sure they meet local codes for safety.

Climate and Material Durability

Climate and Material Durability

Outdoor kitchens must withstand the weather year-round, and investing in weather-resistant materials upfront can protect your kitchen for years to come. In coastal areas with salty air, choose marine-grade stainless steel for your grills and appliances. In colder climates, use non-porous stone or properly sealed concrete to avoid freeze-thaw cracking.

Local Regulations and Permits

Local Regulations and Permits

Before construction begins, your contractor should check local regulations, as many areas require permits for adding gas lines, plumbing, electrical work, or permanent masonry structures. Skipping this step can lead to costly fines or forced rebuilds later. Work with contractors who are familiar with local requirements to streamline the approval process.

Long-Term Maintenance and Return on Investment

Long-Term Maintenance and Return on Investment

Outdoor kitchens require regular maintenance to keep them looking and performing their best. For best results, clean grills when you’re done using them, reseal countertops, and protect cabinetry during the off-season. Also, think about the resale value. Well-designed outdoor kitchens can be a strong selling point and offer a solid return on investment, especially in areas where outdoor living is a big draw.

Benefits of Outdoor Kitchen Financing with Renovate

Renovate makes it easier to turn your outdoor kitchen dreams into a reality by helping you explore financing options. Here’s why homeowners choose us:

No Additional Costs

No Additional Costs

It’s completely free to submit a financing request through Renovate. There are no hidden application fees, and you can explore loan offers without any upfront commitment. Our goal is to help you explore trusted contractors and financing options without adding extra costs to your project.

Fast Funding and Approval

Fast Funding and Approval

Getting started is simple. Fill out our online form in just a few minutes. Fast approvals mean your contractor can begin building your outdoor kitchen without unnecessary delays, helping you enjoy your new space outdoors sooner.

More Contractor Choices

More Contractor Choices

Through Renovate, you can explore multiple experienced outdoor kitchen contractors who understand design and functionality and also offer flexible financing options. This way, you’re not limited to just a few builders, as you have more freedom to find the right fit for your project.

Apply for a Loan

Apply for a Outdoor Kitchen Loan Now

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Outdoor Kitchen Financing FAQ

Many homeowners receive a pre-qualified decision within minutes after submitting our online form. A decision on final approval is often completed in one to three business days.

Yes. Well-built outdoor kitchens can return up to 55% of their cost at resale, especially in regions with mild weather conditions.

Some of the lenders in our network may look beyond your credit score. They may weigh your income, employment history, and down-payment size when setting rates and terms. Approval is not guaranteed.

The main factors that affect the cost are the appliance quality, countertop materials, utility runs, and local labor rates. Any extras like pergolas, fire features, or smart-lighting systems can also affect the final cost.

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