If you feel like it’s time to spruce up your bathroom, explore the best bathroom remodel financing options for your budget in this blog.

Imagine stepping into your dream bathroom each morning—a personal haven where style, functionality, and comfort come together to create the perfect start to your day.

Bathroom remodels are among the top choices for home improvement among homeowners in the United States. Remodels not only give your home a fresh look and feel but also significantly increase its value.

The considerable expense makes it challenging for some people to afford the payment for the project upfront. However, the right bathroom remodel financing option can break up the total cost into more manageable payments to bring your dream bathroom to life.

Whether you’re looking to add a few modern touches or a full-scale remodel, bathroom remodeling costs don’t come cheap. Factoring in your bathroom’s size and your desired upgrades, the cost of a project can range from $2,500 to $30,000.

Before you dive into a loan or line of credit, here’s an overview of the available bathroom remodel financing options you should consider.

Project Manager talking to homeowners about a remodel

Types of Available Bathroom Remodel Financing Options

As with any home improvement project, several financing options are widely available to help you handle the costs of remodeling your bathroom. These options can be classified into two primary categories: secured and unsecured loans.

Unsecured Loan Options

Applying for an unsecured loan is the simplest way to fund a bathroom remodel. With this option, you can take out a loan for your project without the need to provide collateral. Instead, your credit score and income will be considered to assess if you’re qualified.

Although these loans usually come with higher interest rates compared to secured financing options, they are more flexible in terms of repayment periods and amounts.

1. Credit Cards

Charging bathroom remodel expenses to your credit card may come across as irresponsible, but it can be an attractive option if you only need a couple of thousand dollars for your project.

Credit cards typically have higher interest rates than other financing options, so you’ll need to be sure that you can pay off your balance in full each month.

When choosing a credit card for your remodel, shop around for cards with 0% introductory APR offers and flexible reward programs that are tailored to your spending habits. This way, you’ll be able to get something in return for the money you spend on your project.

Bathroom Remodel Financing

2. Personal Loans

If you have good to excellent credit scores, taking out a personal loan is one of the most straightforward ways to fund our bathroom remodel. It has fixed interest rates and repayment terms, making it a great option for those who want to keep their costs under control.

Unlike credit cards, personal loans allow you to borrow larger amounts of money, which can be especially helpful if you’re planning a major remodel.

Interest rates for personal loans depend on factors like credit score, loan amount, and repayment conditions, and they can be quite competitive when compared to other financing options.

personal loan 4

Secured Loan Options

Even if you don’t qualify for an unsecured loan, you can still come up with cash with a secured loan. With dedicated home improvement loans, you can tap into the equity of your home as collateral in exchange for more favorable terms and interest rates.

Applying for a secured loan means that the interest rates are usually lower than those offered by unsecured loans. However, if you don’t make your payments on time and in full, then you risk losing the asset that was used as collateral.

1. Cash-out refinancing

Refinancing your mortgage may be your best bet if you don’t want to worry about additional payments. When you refinance, you’ll take out a new loan with better terms and use it to pay off your existing mortgage.

The difference in the two loan amounts is referred to as “cash-out” and can be used to fund your project. When approved with a lower interest rate, this could be an excellent way to finance your bathroom remodel while cutting the cost of your monthly payments.

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2. Home Equity Investment

Although it doesn’t involve borrowing money, home equity investment is a relatively new and unique financing strategy that’s gaining traction among homeowners. With this option, you’re essentially selling part of your home equity to an investor in exchange for a lump sum.

The best thing about this option is that you don’t need to make any payments until the term expires or your home is sold. Hence, it can be especially beneficial for those who want to keep up with their mortgage payments but also fund a bathroom remodel without taking on more debt.

pnc insights p heloc vs home equity loan

3. Home Equity Loan

Also known as a second mortgage, home equity loans allow you to borrow against the equity in your home. It can be used to fund larger bathroom remodeling projects without putting too much strain on your budget.

This loan is ideal for homeowners who have sufficient equity in their homes but don’t want to refinance or take out a home improvement line of credit. Since it’s secured by your house, you can qualify for more favorable, fixed interest rates and terms than what you would get from an unsecured loan.


4. Home Equity Lines of Credit (HELOC)

Lines of credit are a great option if you don’t know exactly how much money you need for your bathroom remodel. This type of loan allows you to borrow funds as needed, up to the maximum approved amount, until the “draw period” ends.

Unlike home equity loans, a HELOC has variable interest rates, so you might end up paying more in interest over time. However, since the payments are based on how much you borrow, it can still be a viable option for homeowners who need flexibility with their finances.


Bathroom Financing Options We Have at AIR Kitchen and Bath

Any remodeling project can be frustrating and overwhelming, but at AIR Kitchen and Bath Center, we strive to make the entire process, from planning and financing to installation and maintenance as easy and stress-free as possible.

We have partnered with Hearth, one of the leading consumer finance companies in the United States, to provide our clients with a quick and hassle-free bathroom remodel financing options.

With Hearth Financing, you can apply online and get approved for a loan of up to $250,000 in as quick as 2 minutes without affecting your credit score. For as low as $100 a month, you can achieve your dream bathroom today and spread out the cost into smaller monthly payments.

Transform your tired, outdated bathroom into a more modern, functional space with AIR Kitchen and Bath. Reach out to our experts at 470-805-5522 to know more about remodeling and financing.


A bathroom remodel is a cosmetic refresh of the space, which usually involves minor changes, such as new paints, fixtures, and fittings. A bathroom renovation is a complete overhaul of the space, which includes all the elements of a bathroom remodel as well as structural changes like moving walls, adding doors, and extending floor space.

In most cases, layout changes are the most expensive part of a bathroom remodel. Moving fixtures along with plumbing and electrical lines can easily drive up the cost of a remodel. Other substantial expenses include new tile, countertops, and cabinets.

Experts recommend spending 5% to 10% of your home’s value on a bathroom remodel. If your home is valued at $250,000, then it’s wise to stick to a budget of no more than $25,000 for the project.


Korede E. Adeboye is the owner and CEO of A.I.R Kitchen and Bath. He holds a CRPM (Certified Residential Property Manager) certification and has over 10 years of experience in the real estate industry. Korede is an expert in residential property management and has a strong background in customer service, and business development. He is passionate about providing quality kitchen and bath remodeling services to clients and is dedicated to achieving their satisfaction.