Bathroom Remodel Financing
Get the bathroom you actually want — without putting your savings on hold. Flexible monthly payments through trusted lending partners.
Beautiful Bathrooms, Comfortable Payments
A bathroom you love shouldn't have to wait years. We partner with reputable home-improvement lenders so qualified homeowners across Upstate SC can move forward now and pay over time — often with promotional 0% APR periods, no prepayment penalties, and fixed monthly payments that fit their budget.
Financing is completely optional. Many of our clients use it to upgrade to better tile, frameless glass, or a full master bath transformation that would otherwise be out of reach in a single payment.
0% APR
Promotional periods available for qualified buyers
Minutes
Soft-pull pre-qualification with no credit impact
No Fees
No application fees or prepayment penalties on most programs
Fixed
Predictable monthly payments — never a surprise
How Financing Works
A simple, transparent process — from your free estimate to your final reveal.
1. Free Consultation
We visit your home, scope the project, and provide a written estimate so you know the exact amount you're financing.
2. Apply Online
Use our secure lending partner's portal to pre-qualify in minutes with a soft credit pull — no impact on your score.
3. Choose Your Terms
Compare offers (rate, term length, monthly payment) and select what fits your budget. We help you understand the fine print.
4. We Get to Work
Funds are disbursed at agreed milestones. You make one fixed monthly payment to the lender — never to a contractor's middleman.
Typical Terms & Options
- Loan amounts from $1,500 to $100,000
- Terms ranging from 12 to 144 months
- Promotional 0% APR offers for qualified credit profiles
- Standard fixed APRs typically 6.99%–17.99% based on credit
- No application fees on most programs
- No prepayment penalty — pay it off any time
- Funds disbursed directly at project milestones
Final terms, APR, and approval are determined solely by the lender based on your individual credit profile and ability to repay. Upstate Bath Renewal is not a lender and does not extend credit.
Who Typically Qualifies
- Homeowners (primary residence preferred)
- Credit score of 640+ for best rates
- Verifiable income sufficient to cover payments
- U.S. citizen or permanent resident
- Project located in our Upstate SC service area
Don't quite hit those marks? We still have options. Talk to us — we'll be straight with you about what's realistic before you ever fill out an application.