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Airbags are a one-time car safety feature that generally cannot be reused after deploying in a crash. The cost of airbag replacement can range between $1,500 and $6,000 depending on the severity of the crash.

More than 50,000 lives were saved by airbags over a 30-year period, according to the U.S. Department of Transportation. Below, we highlight how you can pay for the cost of airbag replacement.

What Are Airbags?

Airbags are cushions built into vehicles that inflate to protect the driver and passengers when a collision occurs. They’re intended to supplement seat belts with an extra layer of protection. Since 1998, frontal airbags have been standard in passenger cars. The following year, that became true for vans, pickup trucks, and SUVs. Side airbags are now being offered on many newer cars as options for added protection, too.

How Do Airbags Work?

According to the National Highway Traffic Safety Administration (NHTSA), when a moderate to severe collision occurs, the airbag’s electronic control unit signals the inflator of the crash. An igniter launches a chemical process, inflating the front airbag in less than 1/20 of a second. Side airbags deploy even more quickly.

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Components of an Airbag System

Components of an airbag system include the following:

•   Clock spring

•   Impact sensor

•   Igniter

•   SRS warning light

•   Passenger seat switch

•   Pyrotechnic inflator

•   ECU

•   Seatbelt tensioners

Driver and Passenger Airbags

When driver-side airbags became required in 1998 and 1999, this included passenger-side ones, too. On the driver’s side, the airbag is placed in the steering wheel, while manufacturers install one for passengers in the dashboard.

Clock Spring

A clock spring attaches to the steering wheel housing/cover and then typically connects to the airbag’s control module. Then, the wires in the clock spring connect the control module to multiple other parts: the steering wheel, the ignition switch, and the computer. It relays messaging among these parts.

Impact Sensor

Also called crash sensors, the airbag system relies upon them to know when it’s time for the airbag to inflate. These impact sensors can detect when a car suddenly stops accelerating and are typically programmed to activate when a vehicle crashes into something solid at the rate of 15 miles per hour or more.

Igniter

Once a crash sensor sends a signal, the igniter plays a role. A chemical reaction creates a harmless gas that causes the airbag to inflate nearly instantly. Because the airbags inflate so rapidly, it’s crucial for drivers and passengers to not be too close to the airbag’s location. Serious injuries can occur if someone is too close to a deploying airbag, and injuries can be fatal.

SRS Warning Light

When this warning light, typically located on a vehicle’s instrument panel on the dashboard, is on, this means that the airbag inflation can be deployed. When the airbag system is triggered through a qualifying event, the airbag warning light may flash or otherwise send a signal. When it turns off, this means that the airbag has been fully deployed.

Passenger Seat Switch

Under certain circumstances, having a frontal airbag on could present risks that outweigh its benefits. If so, NHTSA may approve an on-off switch that allows the airbag deployment to be turned off. If this option is available in your vehicle, know how to turn it on and off and weigh pros and cons carefully.

Pyrotechnic Inflator

Over the past decade, vehicle manufacturers have been increasingly using pyrotechnic inflators to contain the gas-producing substance that triggers airbag inflation. This one is less toxic than older types, with the substance contained inside the casing. They are also more efficient than the previously used hybrid inflators.

ECU

ECU stands for an “electronic control unit.” Sensors detecting a crash send this information to the ECU, which sends out an electrical pulse that triggers the process that releases the gas that inflates the airbag. ECUs may be programmed for different activation parameters.

Seatbelt Pretensioners

Late-model vehicles often have a seatbelt pretensioner that lowers the amount of slack in seatbelts when a collision occurs. Having a snugger seatbelt system allows airbags to work more efficiently.

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Is It Safe to Drive Without Airbags?

Airbags are considered an important innovation in car safety because, if a crash occurs, they cushion people in the vehicle from full impact.

Plus, car insurance policies are based on your vehicle’s features, which would include working airbags. If they need to be replaced and this isn’t done, the policy could become void, which would mean the owner is driving without car insurance — something that’s illegal in most states.

Service Airbag Light

When this light comes on, it means some part of your airbag system isn’t functioning well. Although it’s possible that airbags will still deploy in a crash, they may not. If this light comes on, have it investigated and addressed by an authorized repair center.

Safety Inspection

Some states will look at airbags during safety inspections and may issue warnings if they are not functional. If something comes up in an inspection, it’s best to get it looked at and repaired.

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Can Airbags Be Replaced After an Accident?

Yes, airbags can be replaced after an accident, and in most cases, they must be. Once deployed, airbags cannot be reused, as the system is designed for one-time activation. A certified technician will remove the deployed airbags, assess any damage to the airbag module and sensors, and install new components to restore the vehicle’s safety system.

Replacing airbags can be costly, but it’s crucial for maintaining the integrity of your car’s crash protection features.

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How Much Does it Cost to Replace Airbags?

The cost to replace airbags can vary widely depending on the make and model of your vehicle, the number of airbags deployed, and whether other components like sensors, seat belts, or the airbag control module also need replacement.

On average, replacing a single airbag can cost between $1,000 and $2,000. If multiple airbags deploy in a serious crash — such as the front, side, and curtain airbags — the total cost could range from $3,000 to $5,000 or more.

Labor costs and parts availability also influence the overall price. Luxury vehicles or those with advanced airbag systems may have higher replacement costs due to specialized components and complex installation. In some severe cases, especially when several safety systems are compromised, the repair costs can approach or exceed the car’s value, leading insurance companies to declare the vehicle a total loss.

Will Auto Insurance Cover Airbag Replacement?

Yes, most car insurance policies will pay for airbag replacement if you were involved in an accident and the other driver was at fault (this means the at-fault driver’s liability insurance covers it) or if you have collision insurance that will pay for damage to your car no matter who was at fault.

However, because of the high price of new airbags and installation costs, some vehicles with a low cash value will be considered a total loss by the driver’s insurance company if the airbags deploy (added to whatever other damage takes place). This means your insurance company might consider it more economical to declare your car a total loss than cover repairs.

For this reason, a driver might consider paying for airbag replacement and other repairs without going to their auto insurer.

How Can I Pay For Airbag Repair Costs?

If you do not use auto insurance for airbag work, four ways to pay for it include:

•   Cash

•   Credit card

•   Personal loan

•   Auto loan refinance

Cash

Paying for airbag replacement in cash from checking or savings can be a good option if you want to avoid insurance rate increases or don’t have comprehensive coverage. It gives you more control over the repair process and may lead to discounts from repair shops.

However, because airbag replacement can be expensive — often thousands of dollars — it’s important to weigh the cost against what your insurance might cover. If the damage is extensive, filing a claim could be more practical, even if it affects your premiums.

Credit Card

If you don’t have enough cash or paying the bill that way would cut you short for other expenses, credit cards allow you to pay the airbag costs.

Benefits of this approach include the ability to pay over time and earn rewards. However, if you don’t pay the balance in full, you’ll also pay interest on the amount.

Personal Loan

A personal loan is another option. Interest rates are typically lower than credit card rates and payments are made back in regular installments.

Limits may be higher, and unsecured personal loans don’t require any collateral. Often, though, monthly payments are higher than with a credit card.

Auto Loan Refinance

Paying for airbag replacement through an auto loan refinance can be a smart financial move if you’re facing high repair costs and need immediate funds. By refinancing your existing auto loan, you may secure a lower interest rate or extend your loan term, freeing up cash to cover the airbag repair.

Some lenders even offer cash-out refinancing, allowing you to borrow more than you currently owe and use the extra funds for necessary expenses like vehicle repairs. This approach spreads the cost over time, making it more manageable than a lump-sum payment.

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The Takeaway

A new airbag can cost anywhere from $1,000 to $6,000 and even more. After an accident, many car insurance policies will cover airbag replacement. If not, other financing options come into play, including paying for the replacement in cash, using a credit card, taking out a personal loan, or refinancing your car.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

What is the cost of airbag replacement?

An airbag replacement can cost anywhere between $1,000 and $6,000, depending on the vehicle and where the airbag is located.

How much does it cost to fix airbags?

An airbag can sometimes be rebuilt, though it’s not always recommended. If you choose to do this, you may be able to fix one for about $1,000.

How can I pay for airbag repair costs?

In some cases, your auto insurance policy will cover it. Other options include paying cash, using a credit card, taking out a personal loan, or refinancing your car.

Photo credit: iStock/gokhanilgaz

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOALR-Q225-018

Your exhaust manifold is a vital part of your car: It helps whisk super-hot, potentially dangerous gases away from the engine and out of your vehicle. If damaged, those gases could leak into the cabin of your car, causing harm to you and your passengers. Even if this weren’t the case, your vehicle could become loud or inefficient.

Repairing an exhaust manifold could cost under $100 or considerably more, and replacing it is likely to be a pricey undertaking, usually ranging from $1,300 to $1,500. Here’s a closer look at the factors that go into exhaust manifold replacement and repair costs.

How Does the Exhaust Manifold Work?

The exhaust manifold is the first portion of a vehicle’s exhaust system. It pulls gases created by fuel combustion in the cylinders and moves them to the catalytic converter. There, chemical reactions convert toxic gases into less harmful ones that can be released into the environment.

The exhaust manifold is bolted directly to the engine block, and V-type engines will have one for each bank of cylinders. As noted, it plays a critical role in the safety of your vehicle.

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How Much Does It Cost to Replace an Exhaust Manifold?

The average cost of replacing an exhaust manifold currently ranges from $1,329 to $1,534, including the cost of parts and labor. That said, some exhaust manifolds can cost still more; say, $3,000, depending on your vehicle.

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What Determines Exhaust Manifold Replacement Costs?

The cost to replace an exhaust manifold relies on a number of factors. Consider the following:

Cost of Parts

Parts and labor are the two main components of the cost of exhaust manifold replacement. On average, parts are priced anywhere between $991 and $1,037.

If you choose original equipment manufacturer (OEM) parts, pricing tends to be significantly lower than if you were to choose performance parts.

Labor Costs

Replacing an exhaust manifold should only take three to five hours of work. Cost for that time runs $339 to $497, on average.

Car Make and Model

Your car’s make and model is essentially the brand and specific vehicle type. Each will use a different engine and parts, which impact costs and labor time. Typically, the more common the vehicle and the part, the cheaper the replacement costs are. If you drive a particularly rare or high-performance vehicle, your costs may increase.

Which Parts Need to Be Replaced?

Unfortunately, a damaged exhaust manifold can have ripple effects on the parts around it. For instance, if scorching exhaust is pushed into the catalytic converter, it can cause damage. If this part needs to be replaced as well, you can expect your auto repair bill to increase quite a bit. The average cost to replace a catalytic converter currently runs more than $2,000, for example.

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Signs of a Bad Exhaust Manifold

Keep an eye out for symptoms that can help clue you into a damaged exhaust manifold.

Rumbling or Hissing Engine Noises

Normally, you only hear the sound of exhaust after it’s made its way through the muffler, which makes it significantly quieter. But if you have a leak in the exhaust manifold, which sits above the muffler, you may hear louder noises than usual coming from your engine, including hissing, rumbling, or the sound of gears changing.

An inspection of the exhaust systems can help determine which part is leaking and whether it’s the exhaust manifold.

The Smell of Exhaust Under the Hood

Car exhaust systems send exhaust to the back of the vehicle, where it is released. If you smell exhaust under the hood, that means it’s escaping somewhere near the engine. It likely means gases haven’t made it to the catalytic converter, which in turn could indicate issues with the exhaust manifold.

That said, it could also be an issue with the exhaust valves or part of the vacuum system. A mechanic can help diagnose the exact problem.

Check Engine Light Is On

Most modern engines have sensors that detect oxygen levels and vacuum pressure in the exhaust system. If something is amiss, your check engine light will likely go on. While this won’t pinpoint the precise problem, a mechanic can help you diagnose the issue.

Decreased Engine Performance

A leak in the exhaust manifold will reduce the rate at which exhaust is removed from your car. It will begin to back up and your engine won’t be able to produce as much power as usual when you press the gas pedal.

You can also keep tabs on how much fuel your car is using. If it’s more than usual, it could signal that something is off in your exhaust system.

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How Often Do Exhaust Manifolds Need to Be Replaced?

Your exhaust manifold is designed to last the lifetime of the engine, though problems may arise with age. Excessive heat in the engine or an imbalance of fuel and air can lead to leaks at any time.

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Can You Drive With a Bad Exhaust Manifold?

You should not drive with a damaged exhaust manifold. Toxic carbon monoxide gases could leak into the main cabin, harming the driver and any passengers. There could also be additional damage caused to surrounding parts, including the catalytic converter and exhaust valves.

The Takeaway

If your exhaust manifold is damaged, it’s a good idea to take care of it ASAP since it could cause an unhealthy and even dangerous condition inside the car’s cabin. In addition, it could interfere with proper functioning of other parts of your vehicle. Depending on whether you need a repair or replacement, the price tag for this work can range from under $100 to $1,500 or possibly more. If you don’t have the cash on hand to pay for the repair, you may want to consider other financing options, such as refinancing your auto loan or taking out a personal loan.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

Can I replace an exhaust manifold myself?

With the proper tools and expertise, you can replace your exhaust manifold yourself. Doing so may save you a few to several hundred dollars in labor costs.

Can a cracked exhaust manifold be repaired or does it need to be replaced?

It may be possible to repair a cracked exhaust manifold. Most exhaust manifolds are made from cast iron, and repairing them involves soldering the crack or using heat-resistant epoxy to fill the crack. However, these repairs may not stand up for long against the heat of the gases contained by the exhaust manifold. In other words, these repairs may just buy you time before a full replacement is needed.

How do I know if my exhaust manifold gasket needs to be replaced?

Signs that your exhaust manifold needs to be replaced include loud noises from the engine, the smell of exhaust under your hood, and decreased engine efficiency. A mechanic can help diagnose the damage and determine what needs to be done.

What is the difference between an exhaust manifold and a header?

Exhaust manifolds and headers perform the same task — they remove exhaust from the cylinders. The main difference is headers are typically used on high-performance vehicles or added as an upgrade, while exhaust manifolds are used on regular production cars.

Photo credit: iStock/Tashka

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOALR-Q225-016

The crankshaft is the backbone of the engine. It is powered by the pistons and converts their linear motion into rotational motion, driving the transmission and the camshaft.

If your crankshaft fails, you’ll need to repair or replace it immediately. You can expect costs for replacing a crankshaft to run as high as $3,000 or more, including parts and labor. In some cases, if a very small fix is needed, you can repair the crankshaft rather than replace it. Repairs cost $270, on average, including parts and labor.

Keep reading to learn what the crankshaft in your vehicle does, the factors that affect the price of repair or replacement, and options for covering the cost.

Crankshaft Repair and Replacement Cost Breakdown

The cost of repairing or replacing a crankshaft will largely depend on two factors: labor and parts. Generally, you can expect to pay $75 to $130 per hour for an auto mechanic, with rates varying depending on where you live. For example, a mechanic in a big city will likely charge more than one in a rural town.

Replacing a crankshaft is not an easy fix and can take up to 16 hours or more. On the high end, you could be looking at nearly $2,000 in labor costs alone. Repairs, on the other hand, may take much less time, which significantly reduces the cost.

The remainder of your expenses will largely be related to cost of parts. If you have a relatively common make and model of vehicle, you might be able to find a replacement crankshaft for as little as $100. However, the cost of parts for high-performance and luxury vehicles could run you as much as $1,000. On average, you’re likely to pay somewhere in the middle, around $500 for parts.

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Lowering the Cost of Crankshaft Replacement

Replacing your crankshaft is an expensive fix, but there are ways you can work to reduce costs. First, gather information on average costs in your area. You may want to use online tools, like Kelley Blue Book’s Repair Pricing tool or the Consumer Report’s Car Repair Estimate, to give you an idea of the price range you can expect in your area for a given repair.

With that information handy, you can contact mechanics and ask for a price estimate from them. Compare their estimates to the average cost you’ve found to determine where you are getting a fair price.

If you’re unfamiliar with a mechanic, look up reviews online to see how other customers have fared with them. You may also want to look them up on the Better Business Bureau to see if they’ve received any complaints.

Another way to reduce costs is to purchase the parts yourself and take them to the mechanic. Aftermarket parts may be available for your vehicle, as well, so make sure to search for those, too.

What Is a Crankshaft?

The crankshaft is the part of the engine that turns the vertical motion of the pistons into rotational motion, which helps to turn the wheels of your car. When gas and air combust in the cylinder, the combustion drives the piston down. The reciprocating motion of the pistons moving up and down turns the crankshaft. It then delivers that power to the transmission, which directs the power to the wheels.

Why Do Crankshafts Fail?

Crankshafts can fail due to a combination of mechanical stress, poor maintenance, and manufacturing defects. As the component responsible for converting linear piston motion into rotational motion, it endures immense pressure and force. Over time, these forces can cause cracks, wear, or even complete breakage. Common causes of crankshaft failure include:

•   Lack of lubrication leading to excessive friction and heat

•   Overloading or high-performance stress beyond engine design limits

•   Improper engine assembly or alignment

•   Fatigue from prolonged use or repeated stress cycles

•   Manufacturing defects such as poor casting or surface flaws

Proper engine care, routine maintenance, and using high-quality engine oil can help prevent crankshaft damage.

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Signs of a Bad Crankshaft

A failing crankshaft can cause a variety of engine performance issues, often signaling deeper mechanical problems. Since it plays a vital role in engine operation, early detection is key to avoiding severe damage. Common signs of a bad crankshaft include:

•   Knocking or thudding noises from the engine

•   Low oil pressure, often due to worn bearings

•   Engine misfires or stalling

•   Metal shavings in the oil, indicating wear

•   Difficulty starting the engine or it won’t start at all

If you notice any of these symptoms, it’s important to have your engine inspected by a professional mechanic right away.

Ways to Cover Crankshaft Repair and Replacement Costs

With the price of a crankshaft replacement topping $3,000 in some cases, it is important to strategize how to cover the expense.

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Cash

Cash is the cheapest way to cover the cost, as it doesn’t involve fees or interest. In fact, you may consider putting money in a savings account specifically for auto repairs. However, if you don’t have enough cash on hand, you may consider financing the expense.

Credit Cards

Credit cards are one option worth considering. However, they work best when you are able to pay off your balance each month. If you carry a balance, you’ll owe interest, often to the tune of 20% or more. Continue carrying a balance, and your interest will compound. In other words, you’ll start to owe interest on your interest, which can send you deeper into debt.

Personal Loan

Personal loans are another option, and they may offer better interest rates than credit cards. A personal loan allows individuals to borrow a lump sum that can be used for almost any reason, including car repairs. In exchange, you agree to pay back the loan in regular monthly installments with interest.

Auto Loan Refinance

Finally, you could consider refinancing your auto loan. When you refinance your loan, you pay off your old loan with a new one, preferably with a lower interest rate. A lower rate can help you save money over the life of the loan, and you can use these savings toward auto repair. You could also consider a cash-out auto refinance, which lets you replace your current auto loan with a new one for more than you owe — and take the difference in cash. You can then use the extra cash to pay for your crankshaft repair.

Recommended: Pros and Cons of Car Refinancing

The Takeaway

The crankshaft sits at the bottom of the motor and helps with the rotational motion that drives the wheels. Signs you may need your crankshaft replaced or repaired include hearing knocking sounds coming from the engine, low oil pressure, or engine misfires.

Replacing a crankshaft can be as much as $3,000, with most of that being spent on labor. Options for paying for it include using cash, putting it on a credit card, taking out a personal loan, or choosing to refinance your car loan.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

Can I continue driving my vehicle with a damaged crankshaft?

No, you should not continue driving your vehicle with a damaged crankshaft. If it breaks, your engine may cease working entirely, and it may cause damage to surrounding parts. This can increase the total cost of repair.

Can a crankshaft be repaired, or does it need to be replaced entirely?

Repairing a crankshaft can be complicated, but in some cases there are small repairs that can be done to get your crankshaft working again.

How long does it take to repair or replace a crankshaft?

In general, you can expect an easy crankshaft repair to take a couple of hours, while replacing the part entirely will likely take eight to 16 hours.

Does the make and model of the vehicle affect the cost of crankshaft repair or replacement?

Yes, the make and model of your vehicle will affect the cost of crankshaft repair or replacement. Different cars require different parts that may be more or less complicated to replace, which can affect labor time and cost.

Can I attempt to repair the crankshaft myself to save money?

Repairing a crankshaft yourself can save money, but it’s risky without proper tools and experience. Crankshafts are precision components, and mistakes can lead to engine failure. If you’re skilled in engine repair and follow exact specifications, it’s possible — but for most people, professional repair or replacement is the safer option.

Photo credit: iStock/dragana991

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOALR-Q225-012

Whether you’ve just moved into a new home or want to breathe new life into your current one, refacing cabinets in your kitchen could really transform the space.

Cabinet refacing involves changing the cabinet exterior surfaces only, and can cost significantly less than a full cabinet replacement. How much will it set you back? The cost to reface kitchen or bathroom cabinets ranges from roughly $4,000 to $10,000, with the national average coming in at around $7,000.

Read on to learn what factors affect refacing costs, how to keep a cabinet makeover project within your budget, and how to get started.

Average Cost of Cabinet Refacing

Cabinet refacing allows you to give your kitchen a refresh at a significantly lower price tag than a full kitchen remodel. The exact cost will depend on the materials you choose, the size of the room, labor costs, and where you live. However, the cost typically runs between $4,233 and $10,226, or an average of $7,229.

If you have a small kitchen, DIY the project, and choose budget-friendly materials, you could spend a lot less than the average cabinet refacing cost. On the other hand, if you have a large kitchen, hire a contractor, and go with top-of-the-line materials, you could spend significantly more.

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Cabinet Makeover Costs by Budget

The good news is that you can give your cabinets a refresh on virtually any budget. Here’s a look at what you can accomplish at different price points.

Budget: Under $1,000
If you’re looking to spend less than $1,000, you can likely reface the cabinets in a small kitchen yourself using laminate veneers. However, you may need to keep the original hardware.

Budget: $1,000 to $5,000
With more wiggle room in your budget, you may be able to hire a contractor to reface your cabinets using laminate or wood veneer, and also replace the hardware. However, you may not be able to add accessories like a built-in wine rack or under-cabinet lighting.

Budget: $5,000 to $10,000
With this budget, you can likely hire a contractor to install high-end wood veneer and hardware, plus add cabinet accessories, even for a large kitchen. With a smaller space, you may be able to reface your cabinets with solid wood.

Budget: $10,000 to $15,000
If you can spend $10,000-plus on the project, you should be able to hire a contractor to install new solid wood doors and drawer fronts, choose luxurious hardware, and add fancy accessories. You might also be able to add a couple of custom cabinets to match your newly upgraded cabinets.

Reasons to Reface

Refacing old cabinets can give your kitchen an updated look for 30% to 50% less than a full cabinet replacement. This makes it an appealing option for homeowners looking to do a kitchen renovation on a budget. What’s more, there are a wide range of resurfacing options to choose from, so you can likely find a look that fits your kitchen design vision. The process is also faster and more environmentally friendly than a remodel.

Keep in mind, however, that refacing might not be the best option if the existing cabinets are damaged or you need a better kitchen layout. While refacing can make your kitchen look and feel brand new, it won’t change its layout or functionality.

Standard Options for Refacing

When you reface cabinets, there are four common types of finishes you can choose from. Here’s a look at each option.

Plastic Laminates

The laminate is cut to size and applied to the cabinet boxes and doors using a special adhesive. This is one of most budget-friendly refacing options, ringing in between $100 to $250 per square foot. However, plastic laminate is not as resistant to chipping and cracking as other refacing materials.

Wood Veneer

Wood veneers give you the look of wood cabinets without the high cost. They come in thin sheets designed to mimic standard species of wood, such as oak, cherry, maple, and ash, and run between $100 to $250 per square foot. While wood veneer is stronger than laminate, it’s not as durable as real wood.

Rigid Thermofoil (RTF)

Rigid thermofoil laminate is another budget-friendly refacing choice. It’s made of plastic (Formica or melamine) but looks like wood and requires little care. Just keep in mind that the melamine version of RTF is not recommended for hot or humid environments. Refacing with RTS can run roughly $80 to $125 per square foot.

Solid Wood

Solid wood refacing material is the priciest option but also the longest-lasting and easiest to repair. A solid wood refacing project can run anywhere from $200 to $500 per square foot. However, the cabinets will look high-end and the doors and drawers will be extremely durable.

Other Factors that Affect the Cost of Refacing

When coming up with your budget for a cabinet makeover, there are some other costs and upgrades you may want to factor in. Here’s a look at add-ons that can level up your kitchen refresh.

•   Hardware replacements Replacing all the hardware on your cabinets can cost anywhere from $100 and $1,000, depending on the material and style.

•   Crown molding Depending on the materials used and the labor involved, installing crown molding can run around $700 to $2,100.

•   Under-cabinet lighting Having strip, built-in, or puck lights installed under your cabinets can run around $200 to $300 per light. If your budget is tight, you can get peel-and-stick lights for as little as $20 to $30.

•   Glass If you want to add glass inserts to some, or all, of your kitchen cabinets, plan on spending an extra $100 to $300 per linear foot of glass you add.

•   Handy accessories If you’re interested in adding some extras, such as a built-in spice rack, built-in wine rack, pull-out trash can, or a lazy Susan, you’ll need to add some additional funds to your refacing budget.

Getting Started

If you are ready to move forward with refacing, it can be a good idea to shop around and get estimates from at least three contractors.

As you interview potential installers, be sure to ask about their experience with cabinet refacing and if they’re insured and licensed. You may also want to ask the following questions:

•   What kind of refacing material do you recommend for this area?

•   How long will this project take?

•   Can I use my cabinets as soon as you’re done?

•   How long will the refacing last?

•   Do you make any changes to the interior of the cabinets?

•   Does the estimate include handles and drawer pulls?

•   Will you remove the doors and drawers to work on them at your shop or do all the work at my home?

•   Can you use hardware that I’ve already purchased?

•   Can you add features like crown molding, under-the-cabinet lighting, or glass inserts?

•   Do you offer a warranty, and if so, what does it include?

Recommended: 10 Steps for the Perfect Bathroom Remodel

Financing Your Home Improvement

While a cabinet makeover can give your kitchen a face-lift for an affordable price, you’ll still need to come up with a significant sum of cash to cover the cost of materials and labor. If you’re eager to get going but don’t have enough money on hand, you may be able to finance the project using a home improvement loan.

A home improvement loan is essentially a personal loan designed to be used to pay for home upgrades and renovations. Available through banks, online lenders, and credit unions, these loans are typically unsecured (meaning your home isn’t used as collateral to secure the loan). You also don’t need to have any equity built up in your home to be approved. Instead, the lender decides how much to lend to you and at what rate based on your financial credentials, such as your credit score, income, and how much other debt you have.

Once approved, you receive a lump sum of cash up front you can then use to cover the cost of refacing your cabinets. You repay the personal loan (plus interest) in regular installments over the term of the loan, which can range from five to seven years.

The Takeaway

If you want to breathe new life into your kitchen or bathroom, refacing the cabinets can be a good option to consider. The project involves swapping out the cabinet exterior surfaces, and it costs 30% to 50% less than a full cabinet replacement. On average, you’ll pay around $7,000, though costs can range between $4,000 to $10,000. However, the exact cost will depend on your materials, the size of the room, labor, and where you live.

As you’re finalizing your design plans, it’s a good idea to also nail down how you’ll finance the project. You have various options, including credit cards, savings, or a home improvement loan.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

Is it cheaper to reface or replace cabinets?

In most cases, it’s cheaper to reface cabinets compared to replacing them. Refacing can be 30% to 50% less expensive than a full replacement.

Can I reface my cabinets myself?

If you’re handy — and ready to flex your DIY muscle — you can certainly reface cabinets without the help of a contractor. In fact, if your space is small and you choose budget-friendly materials, you could save a significant amount of money by doing the work yourself.

How long does it take for a professional to reface cabinets?

According to Home Depot, a professional cabinet refacing project typically takes around 5 to 7 weeks to complete.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q225-018

For many people, a Disney World vacation ranks high on the travel bucket list. But Orlando’s ultimate amusement park can also be expensive, especially if you’re traveling with the whole family. While some costs are unavoidable, there are ways to save money at Disney World.

It can be challenging to get discounts on park tickets themselves, but there are a few tricks you can use to cut costs overall. Read on for the full rundown on how to save money at Disney World.

Tips for Saving Money at Disney World

For many kids and adults, a trip to Disney World is a dream vacation. Many parents look forward to the day they can take their kids to Disney just to see the looks on their faces when they walk into the Magic Kingdom.

Here are a few ways that you can save money at Disney World.

💡 Quick Tip: Banish bank fees. Open a new bank account with SoFi and you’ll pay no overdraft, minimum balance, or any monthly fees.

Take Advantage of a Free Disney Dining Plan

One of your biggest expenses at Disney World is meals. Food can be expensive in the park, since the company knows that you’re a captive audience.

You can bring your own food to Disney World, which can help you spend less on meals and snacks inside the park. However, this isn’t always easy or convenient. Occasionally, Disney runs sales where a Disney Dining Plan is included in the cost of your stay. While it may not make sense for every situation, it’s worth checking out in order to save money on food.

Travel Off-Season

The cost of Disney World park tickets is the same no matter when you go, but flights and hotel rates vary throughout the year. You may find cheaper deals if you travel in January (after New Year’s Day), the first half of May, from mid-August to just before Thanksgiving, and after Thanksgiving week until mid-December. Disney offers a “Crowd Calendar” that can help you find up-to-date information on the best times to visit their theme parks.

Another option is using credit card rewards to pay for flights and hotels. Some rewards credit cards offer a signup bonus that can help you save a significant sum on your Disney World trip.

Stay off-Site

Hotels near Disney can cost significantly less than Disney-owned properties, and some offer free shuttles. In addition, you might find more room options, such as rooms with kitchenettes or large suites that can accommodate a large family, along with “extras” like free breakfasts. For even more savings, look into Airbnbs or budget chains in nearby Kissimmee or Lake Buena Vista. Just be sure to factor in the cost of transportation to the parks when calculating how much you will save.

Stick to Your Budget

It’s a smart idea to set a budget in advance for your Disney World vacation and to create a separate travel fund. Not only can this help you save the money to afford your trip, it can also keep you from splurging too much while you’re there.

Saving money on a trip to Disney World doesn’t have to mean cutting down on the fun. Just make sure you budget appropriately and identify what is and is not important to you. This will help you stick to your budget and avoid running up a credit card balance that you can’t pay off in full when you get back (interest charges can add significantly to the cost of your Disney trip).

Recommended: Travel Tips and Hacks: Planning, Budgeting, and Booking

Choose Low-Cost Souvenirs

Like in-park food, souvenirs are another area where you’ll pay for convenience. If you have extra days in Orlando, consider shopping off-property for Disney souvenirs — like at the official Disney’s Character Warehouse store. If you’re traveling with kids, consider giving them an upfront “souvenir budget” and letting them choose how they want to spend it.

💡 Quick Tip: Want a simple way to save more everyday? When you turn on Roundups, all of your debit card purchases are automatically rounded up to the next dollar and deposited into your online savings account.

Buy Discounted Disney World Park Tickets

Because Disney World park tickets are usually in such high demand, there aren’t a lot of opportunities to buy them at a discount. One way to snag Disney World savings in this area is to buy discounted Disney gift cards from participating retailers (like Warehouse clubs) before you visit. You may also be able to buy Disney gift cards at Target and use your RedCard debit card to get 5% off.

The Takeaway

A Disney World vacation can be costly, especially if you’re traveling with a family. This makes it important to learn all the tips you can to save money at Disney World.

Traveling off-season, staying off-site, cashing in on credit card rewards, and getting discounted Disney gift cards can all help cut costs. It’s also a good idea to set a Disney vacation budget well in advance of your trip, then start saving up for you trip in a dedicated savings account. Choosing a bank that pays a competitive rate, and setting up a monthly automated transfer into the account, can help you reach your goal — and get packing – sooner.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

How can I spend less at Disney World?

There’s no denying that Disney World is an expensive place, but you have a couple of options if you’re trying to spend less at Disney World. One is to use your credit card points to help offset the cost. The other is to set a budget for the necessary costs that are important to you. Having a budget can help prepare you mentally to spend less.

How can I get airline miles to cover my flights to Disney World?

Airline credit cards are great for earning airline miles to help pay for flights. Look at the cost of airline tickets to Orlando from where you live, and see how many airline miles it would take to fly there. Then, look at signing up for an airline credit card to help get you the miles that you need.

When is the best time of the year to visit Disney World?

The best time to visit Disney World will depend on your schedule, priorities, and budget. Typically, Disney World will be more crowded (and hotels more expensive) during peak travel periods like summer, spring break, and holidays. Conversely, you may experience smaller crowds and lower prices if you travel in the off-season.

How can I save on souvenirs at Disney World?

To save on Disney World souvenirs, consider buying ahead of time online (and letting your kids open them throughout the trip), shopping at stores outside the parks, and using discounted Disney gift cards (available at some warehouse clubs). You might also give your kids a souvenir budget and let them choose how to spend it.

Photo credit: iStock/miniseries

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Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

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Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

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