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Does Financing a Bathroom Make Sense?

September 5th, 2025

2 min read

By Shane Rogers

Does Financing a Bathroom Make Sense?
4:23

Video Transcript: 

Are you staring at cracked tiles or cringing every time you walk into your outdated bathroom? You're not alone. Many homeowners put off their dream renovation because they think they can't afford it. 

Hi, I'm Shane, Content Manager for ZINTEX Remodeling. At ZINTEX, our goal is for everyone to have a beautiful, safe bathroom that they can afford. 65 to 70% of our consumers finance their bathroom remodel projects. So today, I'm going to show you exactly how bathroom remodel financing works and why it makes sense for the majority of our homeowners. 

Why finance?

First, let's talk numbers. A typical bathroom remodel with ZINTEX costs between $11,000 and $22,000. We understand that's a significant investment, but here's why financing is actually a smart choice, even if you have the cash. One, financing allows you to preserve your emergency fund in case anything unexpected happens. Two, it allows you to maintain that cash flow flexibility and start enjoying your new bathroom right now. According to the Journal of Light Construction, homeowners typically recoup up to 73% of their bathroom renovation cost. That means you're not just spending money, you're making an investment in your home's value. 

What are the types of loans available for bathroom remodeling? 

Now, let's break down your three main finance options. Each one works a little bit differently, so pay attention to find the best fit for your situation. Option one, a standard installment loan. This is the most straightforward option. You get a lump sum upfront and pay it back in fixed monthly payments, typically over 3 to 10 years. What are the benefits? The main benefit is predictable payments at a fixed interest rate and no surprises. You'll know exactly what you'll pay each month from day one. 

Option two, deferred interest loans. Here's where it gets a little interesting. With deferred interest, you pay little to no interest during a promotional period. This is perfect if you plan on paying off the loan quickly. But here's the catch. If you don't pay the full balance by the end of the promotional period, interest gets charged retroactively on the entire original amount. 

Option three, zero interest loans. What most homeowners are looking for qualified borrowers. This offers truly interest free financing for a specific period. Every payment goes directly towards your project balance. If you don't pay it off during the promotional period, it converts to a standard loan. But unlike deferred interest, you only pay interest on the remaining balance moving forward. 

What factors affect your ability to get financing?

One, credit scores. The higher the credit score, the better the rate. Two, debt to income ratio. Lenders want to see that you can handle the monthly payments. Number three, the loan amount. Larger loans may have different requirements than smaller loans. And lastly, the loan term. Shorter terms often mean lower rates but a higher monthly payment. 

Here's something that might surprise you. Many homeowners who could pay cash still choose financing, especially 0% options. Why? Smart money management. For example, if you have investments that are earning 7% annually, why pull that money out when you can get a 0% financing option? Keep your money working for you while you enjoy your new bathroom immediately. Another advantage for financing is most bathroom remodel financing options don't have early payoff penalties. You get a new bonus at work, inheritance. You can pay off your loan early without any extra fees. That means you stay in complete control of your finances. This allows homeowners the ability to spread out the cost of the project over a promotional period or just make one lump sum payment at the end of that promotional period. 

Your dream bathroom doesn't have to wait. Nearly 70% of our homeowners choose financing because it simply makes sense. With payment plans starting as low as $199 per month, ZINTEX Remodeling makes it possible to transform your bathroom without draining your savings or adding financial stress. 

Ready to explore your financing options? 

Contact ZINTEX Remodeling Group today and let's make your dream bathroom a reality because you deserve a beautiful, functional space that you can actually afford. ZINTEX Remodeling, enhancing lives one bathroom at a time. [Music]

Shane Rogers

Shane Rogers is the Content Manager at ZINTEX Remodeling Group, where he has spent the past three years helping the organization grow. Driven by a passion for creating valuable content that supports both customers and team members, Shane ensures ZINTEX’s resources are informative, clear, and homeowner-focused. Outside of work, Shane enjoys spending time with his wife and young daughter, playing basketball, and flying in his Piper Cherokee.

Topics:

Financing