Bathroom Remodel Financing

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Bathroom Remodel Financing

Loans for Bathroom Renovation Projects

Trends are constantly changing. This is true for fashion and today it is especially true for home renovations. What was considered in style and trendy a decade or two ago is now unfashionable and offputting. Bathroom remodels are a common way that today’s homeowners can quickly increase the look, feel, and value of their homes.

When a homeowner decides to begin a bathroom remodel, finances must be considered carefully. With the national average cost of a bathroom remodel being over $10,000, coming up with the money may be difficult. Luckily, today there are numerous ways of financing a bathroom remodel.

Applying for a bathroom remodeling loan is fast and easy:

Fill out a simple and fast online application in just minutes

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Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

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After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

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What is bathroom remodel financing?

Put simply, bathroom remodel financing is a method of paying for your bathroom remodel without using cash. There are many different ways of financing, each with its pros and cons. Financing is a popular choice nowadays because many homeowners don’t have enough spare cash to pay for necessary repairs or remodels.

Bathroom remodeling financing is becoming more common as costs continually increase and as homeowners look to add more high-quality materials to their bathrooms. From sinks and showers to toilets and flooring, financing can help pay for a wide array of items for your bathroom remodel.

Best Bathroom Renovation Loans

Below are some of the top lenders that offer financing for bathroom renovation projects.




Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 680
APR: 4.99% to 19.53%
Loan term: 2 - 7 years
Funding turnaround: 1 - 3 business days

With SoFi personal loans, borrowers can get access to up to $100,000 with APR starting as low as 4.99% with extra bonus perks ($500 for each funded loan) and fast turnaround time. 24/7 customer support available.


Marcus by Goldman Sachs Personal Loans

Marcus by Goldman Sachs

Funding: Borrow $3,500 - $40,000
Minimum Credit Score: 660
APR: 6.99-19.99%
Loan term: 3 - 6 years
Funding turnaround: typically within one week

Marcus offers loans that are best for debt consolidation and has attractive customizable loan repayment options. While funding may take up to a week, there are no hidden fees and you may obtain competitive interest rates.


Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.




Funding: Borrow $1,000 - $50,000
Minimum Credit Score: 660
APR: 5.94% to 35.97%
Loan term: 2 - 7 years
Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.

How does bathroom remodel financing work?

Bathroom remodel financing can be done through a few different methods. Each method has its way of how it works, but the general method behind the financing remains the same.

You will pay off the remodeling using some sort of financing, and you will have to repay the loan on a monthly basis. This will involve paying interest as well. The rates of the interest paid varies greatly depending on the method of financing chosen.

We will go over the various financing methods later in the article and cover them in detail.

Can a bathroom remodel be financed?

Yes! In fact, financing bathroom remodels is increasingly popular and vendors all across the country offer financing for bathroom remodels, kitchen remodels, home repairs, and all kinds of home renovation services.

Financing a bathroom remodel doesn't need to be very detailed in what you are remodeling. Most of the time, you will take out a lump sum of money from a lender and spend it however you see fit for the remodel.

As long as you make the payments required, the lender won’t have any problems with how the money is spent.

Types of bathroom remodel financing

It may be overwhelming when you begin to plan a bathroom remodel. From new fixtures and paint to finding someone to actually do the work - there is a lot that goes into it! And that is without even mentioning the cost.

Luckily, there are plenty of choices for dealing with the cost. Below are the most common options homeowners have when it comes to bathroom remodel financing.

Personal loans

As with many other home renovation projects, personal loans tend to be common for bathroom remodels as well. They are offered by private lenders all across the country and can be spent on whatever you the homeowner deems necessary.

Personal loans also can most often cover the entire expense of a bathroom remodel. Other financing methods may not be able to do so. This prevents you from having multiple payments to make for just one remodel.

Credit cards

While credit cards are an option for remodels, it usually isn't recommended. It may seem like a great idea, especially if you have enough credit limit to cover the entire cost, however, the details of the cards make them a last resort option.

Most people will not be able to fully pay for the remodel unless they have a very high credit limit. Plus, credit cards in the US are currently averaging a 16.3% interest rate, which will result in homeowners paying much more than the upfront cost.

Cash-out refinancing

Cash-out refinancing is another popular option that might be beneficial if you qualify. Simply put, a cash-out refi is when you take out a new mortgage that is greater than your current one.

Assume you've previously paid off a significant portion of your mortgage and now owe only $50,000. With a cash-out refi, you may take up a new $80,000 mortgage and pay off the $50,000 you owe on the house while receiving the remaining $30,000 in cash.

This money can then be used to upgrade your property, such as a bathroom makeover.
For a cash-out refi, lenders have extremely strict requirements, making qualifying considerably more difficult than doing so for a personal loan. However, you will almost always be offered a low-interest rate, with many lenders giving rates in the mid-to-low-three percent range.

Home equity loan

A home equity loan is a type of loan that gives a borrower a lump sum of money in exchange for their house's worth as security. The borrower will make regular monthly payments that include interest in exchange for this loan.

Because your house is used as collateral, they are sometimes referred to as a second mortgage. To be eligible, the borrower must already have equity in their house and have paid off a big enough sum to be able to borrow against it.

The most serious disadvantage of these loans is the risk of losing your house if you default on your payments.

Home equity line of credit

A HELOC, or home equity line of credit, is quite similar to a home equity loan.

Your home will be used as collateral for the loan, which is comparable to a mortgage. The primary distinction is that a home equity loan gives borrowers a flat sum upfront, but a HELOC functions more like a credit card.

You'll have a credit line up to the amount determined by the lender. You can then borrow up to that amount and pay it back monthly. Even after paying off the credit, you can borrow again, exactly like a credit card.

Just like a home equity loan, the main disadvantage is the risk of losing your house if payments aren't paid.

Need help finding the right loan?

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Pros and cons of bathroom remodel financing

When considering any large expense, you need to think hard about the positives and negatives. This is especially true for large home expenses like a bathroom remodel. With costs often exceeding $10,000 it’s important the right decision is made.


  • Various Financing Options - You can choose from personal loans, HELOCs, credit cards, and more to finance these remodels.
  • Increased Home Value - When you remodel any room in your house, the value will increase and it will be more attractive to buyers.
  • Keep Your Savings - When financing, you do not need to pay upfront. This will allow you to keep your savings for emergencies.


  • Price - As with any major home project, bathrooms are expensive. You need to make sure you can afford the costs before getting financing.
  • Home as Collateral - Certain methods of financing require your home as collateral. This means if you default, you could lose your home.
  • High Interest - If your finances are bad or you choose to use a credit card, you can be paying very high interest which will set you back even further.

What are the average costs for a bathroom remodel?

Like any other project, a huge factor in the cost of a bathroom remodel is where you live. It also depends on what you intend to do in the bathroom, for example just new fixtures or a complete rebuild.

The average cost of a bathroom remodel in the US is currently around $10,000.

The average cost includes everything from parts and appliances to labor. Below are the most common expenses of a bathroom remodel:

  • Fixtures (like sinks and toilets) - $200 - $1,800
  • Shower - $300 - $3,000
  • Countertops - $200 - $1,000
  • Lighting - $100 - $400
  • Flooring - $200 - $1,300
  • Painting - $150 - $550
  • Plumbing - $250 - $1,450

As you can see, the ranges are very wide. If you choose to get basic fixtures and lighting, you could easily be on the low end of the estimates. However, if you decide you want top-of-the-line everything you will quickly find yourself at the top or even above those ranges.

What is the most expensive part of renovating a bathroom?

The prices for each different aspect of a bathroom remodel are listed in the section above. However, what usually costs the homeowner the most when remodeling a bathroom is actually the labor!

Labor usually costs anywhere from 40% - 65% of the total cost of the remodel. This is because you often need a few different specialists. You will need a plumber to work on your plumbing. You also need a contractor or specialists to install cabinetry, fixtures, lighting, paint, and more.

Be sure to research the labor well, as the prices they charge for the same job can be immensely different.

Is it a good idea to renovate a bathroom by yourself (DIY)?

If you know what you are doing, it is a great idea to remodel a bathroom yourself. As noted in the previous section, you would save 40%-65% of the total cost of your remodel due to the savings in labor.

You will still need to pay hundreds and maybe even thousands of dollars for materials, fixtures, and other supplies. Depending on your financial situation it may be worth it to still use financing to pay for all of these items.

If you are not 100% confident in your abilities, it makes more sense to hire a professional for your remodel. If anything is done incorrectly, you may need repairs, or worse case you may need to completely start over, resulting in even more money spent.

What credit score do I need to obtain bathroom remodel financing?

The fact is that people with a very low credit score will have trouble getting financing for anything. This also rings true for bathroom remodel financing.

If you decide to finance your remodel via a credit card that you already have, you could avoid the headache of applying and getting declined for loans. Just remember that this method is not recommended due to the intense financial strain it would put on you.

When it comes to personal loans, most lenders prefer that borrowers have above a 690 FICO score, but some lenders may make an exception to this.

For home equity financing, you will most likely need a score in the mid 600’s. While certain lenders may make an exception based on the rest of your finances, you will likely receive worse interest rates and other terms.

What type of ROI does a bathroom remodel give?

One of the main reasons homeowners decide to remodel their bathroom is the increase in the value of their home. While the numbers will vary greatly depending on the rest of your home and where you live, there are some average numbers that can help you make a decision.

For a middle of the range remodel, which could include new fixtures, showers, cabinets, and more - you will see an average ROI of 70.1%

For an upscale remodel, which would include top-of-the-line fixtures as well as potential structural changes and additions, the average ROI is 56.2%.

What is the best way to finance a bathroom remodel?

The most often recommended methods of financing a bathroom remodel are personal loans and HELOCs.

Each method has its positives and negatives, so be sure to research each thoroughly before choosing. In general, these methods are chosen because they will offer lower interest rates than other methods while still providing the necessary amount of money needed.

Credit cards are usually not recommended. The high-interest rates could put you into a financial situation that you do not want to be in, and leave you paying much more than your initial estimate.

How to get a bathroom renovation loan

The quickest way to get a bathroom renovation loan is online. Most lenders allow you to see rates and get quotes online in no more than a few minutes.

There are also websites that compare the rates from many different lenders all on one page, allowing you to see which choice is best for you.

Of course, you’ll always have the choice of calling or going in person to get a personal loan. This will allow you to ask questions and be 100% comfortable with the terms of your loan.

Get started and find your rate

Here are some of the top lenders for personal loans and the current rates offered. Compare multiple lenders in just minutes and get started now.

Lender Fixed Rate Loan Amount
SoFi 4.99%-19.63% $5,000-$100,000
LightStream 4.49%-20.49% $5,000-$100,000
Upgrade 5.94%-35.47% $1,000-$50,000
Marcus 6.99%-19.99% $3,500-$40,000


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