Bathroom Remodel Financing Options
Don't let budget hold you back. We offer 0% interest financing, payments from $99/month, and plans for all credit levels.
Financing Plans
Choose the plan that works best for your budget. All plans include no prepayment penalties and quick approval.
0% Interest Plan
12-18 Months
- No interest if paid within term
- Monthly payments from $99
- No prepayment penalties
- Quick approval process
Best for: Homeowners who can pay off within 12-18 months
Low Rate Plan
24-60 Months
- Fixed rates from 6.99% APR
- Extended terms up to 60 months
- Predictable monthly payments
- No hidden fees
Best for: Larger projects with manageable monthly payments
Same-As-Cash Plan
6-12 Months
- Zero interest if paid in full
- No annual fees
- Flexible payment amounts
- Early payoff encouraged
Best for: Homeowners expecting a bonus, tax refund, or savings
Estimated Monthly Payments
See approximate monthly payments for common bathroom remodeling projects. Actual rates depend on credit approval.
| Project Type | Starting Cost | 12 Months* | 24 Months | 48 Months |
|---|---|---|---|---|
| Tub-to-Shower Conversion | $7,500 | $625/mo | $335/mo | $185/mo |
| Shower Remodel | $9,500 | $792/mo | $425/mo | $235/mo |
| Small Bathroom Remodel | $12,000 | $1,000/mo | $535/mo | $295/mo |
| Bathroom Remodel | $17,500 | $1,458/mo | $780/mo | $430/mo |
| Master Bathroom Remodel | $29,500 | $2,458/mo | $1,315/mo | $725/mo |
*12-month plan shown at 0% APR. 24 and 48-month estimates based on 6.99% APR. Actual rates and terms depend on credit approval. These are estimates only — your actual payment may vary.
How to Get Financing
Schedule Estimate
Free in-home consultation to scope your project and get a quote.
Choose Your Plan
Review financing options and pick the payment plan that fits your budget.
Quick Approval
Simple application with a decision in about 60 seconds. No hard credit pull to check rates.
Start Your Project
We begin your remodel. You make easy monthly payments.
Why Finance Your Remodel?
Keep Cash Reserves
Financing lets you upgrade your bathroom without depleting savings. Keep your emergency fund intact while enjoying a beautiful new space.
Get the Bathroom You Want
Instead of cutting corners to fit a smaller budget, financing lets you choose the materials, fixtures, and features you actually want.
Increase Home Value Now
A bathroom remodel adds immediate equity to your home. The value increase often exceeds the total financed amount.
Simple, Transparent Terms
No hidden fees, no prepayment penalties, no surprises. You know exactly what you'll pay every month.
Financing FAQ
Will applying affect my credit score?
Checking your rate uses a soft credit pull, which does not affect your credit score. A hard pull only occurs if you accept and finalize a plan.
What credit score do I need?
We work with all credit levels. While better credit qualifies for the lowest rates, we have options for a wide range of credit profiles.
Can I pay off early?
Yes. All of our financing plans have zero prepayment penalties. You can pay off your balance early and save on interest.
Do you accept other payment methods?
We accept cash, checks, and all major credit cards (Visa, Mastercard, American Express, Discover) in addition to our financing plans.
Get a Free Estimate
Call us at (916) 907-8782 or fill out our contact form.