Home / Project financing / Bath Remodel
Bathroom remodel financing from multiple lenders
Bathroom remodels ($10,000–$35,000 for most projects) are usually financed with an unsecured home improvement loan at representative APRs of 6.99%–27.99% over 24–144 months, funded within days. Accessibility upgrades such as walk-in tubs and curbless showers are financed the same way and may qualify for state or Medicaid-waiver assistance in some cases.
Financing a bathroom project
Bathrooms are the second most common financed remodel after kitchens. A hall bath refresh runs $10,000–$18,000; a primary bath with a curbless shower and double vanity is commonly $25,000–$45,000. Because the loan is unsecured, there is no appraisal and no lien on your home.
Aging-in-place and accessibility
Walk-in tubs, grab bars, wider doorways and zero-threshold showers are frequently financed by homeowners preparing to stay in their homes. Some lenders offer longer terms for these projects; several states and veterans' programs offer grants that can be paired with a loan.
Example payments
- $20,000 at 8.99% APR, 84 months: about $322 per month
- $20,000 at 13.99% APR, 84 months: about $374 per month
Tips for the best offer
- Get an itemized quote including plumbing and electrical.
- Compare multiple lender offers with one soft pull.
- Choose the shortest term whose payment fits your budget.
Rates, terms and eligibility
APR ranges shown are representative across our participating lenders as of our most recent quarterly review and vary by lender, credit profile, loan amount, term and state. Lattice Lending is not a lender and does not make credit decisions. Comparing offers uses a soft credit pull that does not affect your credit score.
Representative rates and terms
| Representative APR | 6.99%–27.99% |
|---|---|
| Terms | 24–144 months |
| Loan amounts | $5000–$75000 |
Bath Remodel financing questions
Can I finance a walk-in tub?
Yes. Walk-in tubs and accessibility remodels are financed through the same unsecured loans on our platform, typically $8,000–$20,000 installed.
What is the minimum loan for a bathroom remodel?
Loan minimums on our platform start at $5,000, enough for a fixture-and-tile refresh.