How to Finance Your Bathroom Remodel: Loans, Payment Plans, and More

Tap Into the Best Financing Options for Your Bathroom Remodel

Ready to transform your bathroom into a dreamy spa-like retreat but unsure how to cover the costs? Wondering how you can afford those sleek new fixtures or luxurious tiles without draining your bank account? In this post, we'll dive into all the ways you can finance your bathroom remodel, from loans and payment plans to savvy money-saving tips.

How Much Does a Bathroom Remodel Cost?

• Small Bathroom (up to 100 sq ft): Starts at $47,000
• Average Bathroom (up to 150 sq ft): Starts at $78,000
• Large Bathroom (up to 200 sq ft): Starts at $96,000

Personal Loans

Personal loans are one of the most popular ways to finance a bathroom remodel. They're unsecured, meaning you don't need to put your home up as collateral. Through financing partners like Hearth, you can get pre-qualified in under 2 minutes with zero impact to your credit score.

Home Equity Loans and HELOCs

If you've built up equity in your home, a home equity loan or home equity line of credit (HELOC) can provide favorable interest rates. These loans use your home as collateral, which means lower rates but also more risk.

Credit Cards

For smaller bathroom updates, a credit card with a 0% introductory APR can be a smart option. However, for larger remodels, the high interest rates after the promotional period make this a less ideal choice.

Contractor Financing

Many contractors, including Harshaw Home Renovators, offer financing options through partnerships with lending companies. This can simplify the process by bundling your financing with your contractor selection.