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Bathroom remodels range from $5,000 cosmetic refreshes to $30,000+ full gut renovations. Here are the bad-credit financing options for various scope levels.
Explore an option
If you are reading this, you likely want a clear next step. Here is one worth knowing about.
Top bad-credit bathroom remodel financing
1. Lowes Advantage Card / Home Depot Consumer Card
For DIY remodels, store cards offer 6-12 month 0% APR on $299+ purchases. Easier approval than premium cards.
2. GreenSky for full contractor remodels
Available through most participating contractors.
3. Personal loan from Avant or Upgrade
For mid-range remodels, a personal loan at 12-25% APR is often cheaper than credit cards or store financing.
4. HELOC or HE loan (if equity available)
For homeowners with equity, a HELOC offers the lowest rates even for bad credit.
Bathroom remodel scope and cost
- Cosmetic refresh (paint, hardware, fixtures): $1,500-$5,000.
- Mid-range remodel (vanity, tub/shower swap, tile): $8,000-$18,000.
- Full gut renovation (move plumbing, custom tile): $20,000-$45,000.
- Luxury master bath: $50,000+.
DIY vs contractor
If you have plumbing skills, DIY can cut costs 50-70%. Painting, hardware swaps, and vanity installation are reasonable DIY. Plumbing changes and tile work usually require professionals.
Verdict
For DIY remodels, store cards with promotional 0% APR. For contractor work, GreenSky or personal loan depending on scope. Always get 3 quotes for contractor work.
Reminder: Approval and terms vary by lender. Verify rates and fees before applying. Consult medical professionals for treatment decisions.
One more worth bookmarking
Whatever you choose above, this is a useful, no-cost companion tool for anyone working on their credit.