Kitchen Loans
Your trusted one stop shop for all the best home improvement loan programs
AMS Financial

Easy Instant Loan Decision Programs for Home Owners and Contractors

Customer FAQs

How do I know what program to apply for?
The rates and terms available are published under each section of our loan portal. Please review all programs before you start to make sure that you have chosen the best program for your situation.

How long does it take to get approved?
The majority of our loan programs on our loan portal will give an instant approval in 60 seconds or less from the completion and submission of the online application.

How long does it take to get my funding?
We can fund in as little as 3 days but most loans fund in the 5 day range. The credit card products require 2 days to be set up and 5 days to mail the card to the customer.

What if I am not approved for enough money or I am declined?
We recommend that if you are looking for a 0% APR program and you are not approved for enough funds that you also apply for one of the other 0% credit card programs. Sometime you may have to marry two different programs to get to your final number. This also applies to the straight unsecured programs as well.

What if I am declined for the loans that I want?
We have a special area for challenged credit and you may want to apply for those options. In addition there are links to check your credit and score and that may be one of the best places to start to make sure that there is nothing on your credit that you didn’t know about and why you may be getting declined.

Please email all questions to