FINANCING

Get Your Dream Bathroom Now, Pay Over Time.

Worried you can’t afford the remodel you need? You’ve been living with that outdated bathroom far longer than you care to admit—not because you don’t want to fix it, but because the price tag makes you hesitate.

Financing options make your home improvement projects easy and affordable.

Have Questions About Financing?

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How Does Bathroom Remodeling Financing Work?

At ZINTEX Remodeling Group, 65-70% of our customers finance their bathroom renovations. This makes us experts in guiding homeowners to find payment options that suit their financial needs. Everyone deserves a safe, beautiful bathroom they can afford—without having to sacrifice quality or peace of mind.

Let’s break down the 3 most common financing options. Plus, we’ll help you know what to expect from lenders. Your perfect bathroom is within reach—let’s explore how to make it happen.

Why Financing is a Smart Choice for Your Bathroom Remodel

Bathroom remodels with Zintex Remodeling typically cost between $10,000 and $30,000, depending on the scope and products in your project. While this is a significant investment, financing your renovation offers several advantages over paying the full amount upfront.

Financing advantages:

Financing allows you to spread out costs over time, making the project more manageable for your budget. – You don’t have to drain your emergency funds or wait years to save money. Enjoy your new bathroom now with easy monthly payments. This approach preserves your cash flow and gives you financial flexibility.
A well-executed bathroom renovation can increase your home’s value. – According to The Journal of Light Construction report, homeowners can recoup 73% of the project cost, making it a sound investment. Financing lets you buy better materials and make bigger renovations. This can help you sell your home for a higher price later on.

What Our customers are saying

"The initial consultation was informative and he listened to what we were wanting and helped us understand what the entire process looked like!! Dawn made understanding the process very easy and communicated well!! Polo was professional and on time!! He made sure to communicate with us throughout the install!!"

Anne S.

Types of Loans

Standard Installment Loan

Receive a lump sum for your renovation and pay it back in fixed monthly payments over a set period of time.

Predictable Monthly Payments

Fixed Interest Rates

Clear Repayment Timeline

Interest accrues throughout the life of the loan.

Deferred Interest Loan

Provides a promotional period where you pay little or no interest. Perfect for short-term projects you expect to pay off quickly.

Minimal or No Interest During Promotional Period

Flexibility for Smaller Payments Initially

Ability to Avoid Interest Charges

Interest will be charged retroactively on the original loan amount, if not paid in full by end of promotional period.

Zero-Interest Loan

Truly interest-free financing for a specific period of time.

No Interest Charges During Promotional Period

All Payments Reduce Principal Balance

Interest is only charged on the remaining balance, if not paid in full by end of promotional period.

What Factors Affect Loan Eligibilty and Rates on a Remodeling Loan?

Several key factors will influence both your eligibility for bathroom remodel financing and the terms you’re offered:

Credit score: Higher scores typically qualify for better interest rates and more favorable terms.
Income and debt-to-income ratio: Lenders want to ensure you can comfortably make your monthly payments.
Loan amount: Larger loans may come with different terms or qualification requirements.
Loan term: Shorter repayment periods often have lower interest rates but higher monthly payments.

Why Even Cash-Ready Homeowners Choose Financing For Their Bathroom Remodel

Many homeowners who have sufficient cash to pay for their remodel upfront still opt for financing, particularly 0% interest options. This decision often comes down to smart money management.

Withdrawing money from your financial portfolio for a bathroom remodel can cost you potential earnings. For example, if your investments earn about 8% a year, you miss out on those returns. With zero-interest financing, you can keep your money invested and continue to accrue more interest on a higher lump sum.

This method also keeps your cash and emergency funds safe. In the event of an unexpected expense, you won’t have depleted your savings to cover a bathroom remodel upfront. In other words, zero-interest financing can increase your financial security and flexibility.

Flexibility Without Penalties

Weighing the pros and cons of taking on a loan with interest? A key benefit of many bathroom remodel financing options is that they don’t have prepayment penalties. You can pay off your loan early without extra fees, giving you full control over your finances.

If you get extra money—like a work bonus or inheritance—you can make bigger payments or pay off your loan early without any extra fees.

Make Your Dream Bathroom a Reality

You shouldn’t have to put your dream bathroom on hold because of financial concerns. With flexible financing options, transforming your outdated space into a modern, functional retreat is more achievable than ever—and it can improve both your daily life and your home’s value.

Nearly 70% of our customers choose to finance their remodels. With affordable payment plans starting as low as $199/month, ZINTEX Remodeling Group makes it possible to renovate your bathroom without draining your savings or adding financial stress.

Ready to transform your bathroom?

Enhance Your Daily Routine

Let’s make your dream bathroom a reality! Contact us today to schedule your no-obligation FREE in-home consultation.

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