Plumbing Financing

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Plumbing Financing With Acorn Finance

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Find financing offers for your plumbing repair needs instantly & compare dozens of personalized offers from our network. Get your leaks or breaks fixed quickly, because with Acorn you can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. If you have plumbing issues in your home, or want to upgrade your plumbing systems, look into our loan offers today.

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Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

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Learn About Plumbing Financing

The ability to finance plumbing repairs can truly be a lifesaver in an urgent situation. Compared to other home repairs, plumbing repairs may not be the most expensive but can certainly be some of the most urgent. Putting off a plumbing repair can end up costing you more in the long run. If you don’t have enough cash to cover your repair you should try plumbing financing. So when should you call a plumber?

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If you’re experiencing any of the following situations we recommend you call a plumber ASAP:

  • No hot water
  • Blocked pipes
  • Burst pipes
  • Major renovation or installation projects

Keep reading to explore the various plumbing financing options available for good and bad credit.

When should I call a plumber?

As we mentioned above, if you are experiencing plumbing problems you should call a plumber as soon as possible. While some situations may be more urgent than others, non-emergency situations can turn into emergency situations quickly. If you need to call a plumber out quickly but are tight on cash, you can secure plumbing financing quickly. In fact, you can get instantly pre-qualified for plumbing or home improvement financing at Acorn Finance. Once you have selected the loan offer of your choice, you can receive funds the same-day in some cases. Emergency situations such as floods or busted pipes may be obvious signs that you need to call a plumber asap. However, there are other reasons why you should call a plumber that might not be as obvious. Some signs that you should call a plumber include. . .
#1. Lack of hot water
If you turn the water on in the morning and are only getting cold water, you may have a problem. This can be a sign that there is a problem with your water heater. If you are not getting hot water your water may have a leak or is unable to maintain a constant temperature. Regardless of what could be wrong, you should call a plumber if you are having trouble getting hot water.

#2. Colored water
You’re probably used to seeing clear water come out of faucets – and that is because this is normal. If you are seeing cloudy or discolored water coming out of a faucet, you should call a plumber. Brown, red, or yellow water often indicates that there is rust in the pipes. Green water often indicates that copper plumbing has corroded. You may even have blue water. Regardless of the color of the water, you should call a plumber asap. Ensuring that your water is safe is important.

#3. Low water pressure
If you are experiencing low pressure, slow drip, or no water at all it may be time to call for help. Before you call a plumber you can make sure that the faucet is not clogged. You can also try filling a plastic bag with vinegar and tying it over the head of the faucet for a few hours. If this does not fix the issue, you should call a plumber. Low water pressure can be a sign that pipes are clogged, a water heater is damaged, or a pipe has burst.

Can you finance major plumbing work?

In most cases, you can finance major plumbing work. While paying cash might be the cheapest option, major plumbing repairs may require more cash than you have available. Using a personal loan may be your best financing option. AcornFinance is a reliable and top-rated company that provides personal loans for plumbing financing. Take advantage of affordable payment options and free services while saving tons of time.

Three steps to get started with AcornFinance:

  • #1. Complete and submit a short loan application online
  • #2. Receive multiple pre-qualified offers
  • #3. Get connected with lenders to obtain your pre-qualified loan

How much do plumbers normally charge?

Plumbers can charge an hourly rate or flat rate for a job. It’s common for people to be in a rush to get their plumbing repair done. This is not always a bad thing considering typically the longer you wait, the bigger your bill may be. However, this may also mean you have less time to compare estimates. If you are in a time sensitive situation you should read reviews and ask friends for referrals to select a reliable and reasonably priced plumber.

Let’s take a look at the average cost of hiring a plumber:

  • Typical job: $175-$450
  • Hourly rate: $45-$200
  • Service fee $300

Do plumbers do payment plans?

Some plumbers may offer payment plans in the form of financing. In most cases, plumbing companies will partner with a finance company or bank to offer financing for customers. There is usually no difference between using financing offered by a plumber and obtaining your own financing directly with a lender. However, you may have more ability to shop for the most competitive loan offers on your own. If the plumber you are working with partners with Acorn Finance, they may be able to help you compare loan offers. Acorn Finance partners with plumbing companies to help them offer competitive financing for their customers. In addition, they do not charge dealer fees or take a portion of the sale. This allows customers to receive the lowest interest rates with no markup.

Can I pay a plumber with a credit card?

An increasing amount of plumbers are accepting credit card payments. However, they may prefer cash, check, or online payment platforms such as Venmo or PayPal. Companies are often charged a fee for accepting credit cards. Most companies are willing to stomach the fee because it allows them to get paid quickly while offering customers a convenient payment method.

Can you make payments on a water heater?

Yes, you can make payments on a water heater and installation. Some retailers or manufacturers may offer financing. In some cases, financing offered by a retailer may only be eligible for the product itself. So how do homeowners afford a new water heater? Many homeowners use a personal loan for water heater financing. Personal loans provide the cash you need upfront to purchase equipment and materials and pay for labor but allow you to make affordable monthly payments over time. Needing water heater replacement may come as a surprise. If you do not have the money on hand, you should consider financing. In some cases, you can receive funds for a personal loan same-day as approval. According to Home Advisor, a standard tank storage water heater costs an average of $400 to $1,600 for the unit and $150 to $600 for installation. A tankless water heater usually costs more. On average a tankless water heater costs between $250 to $2,500 per unit and $400 to $1,500 for installation.

How much does a major plumbing repair cost?

Plumbing prices can vary, similar to the price of a new car. The price you pay comes down to what you are getting.

According to Home Guide, smaller plumbing jobs usually cost between $125 to $250 and larger plumbing jobs usually cost between $500 to $800. However, if you need a major repair or equipment replacement you might be looking at a much higher estimate.

Let’s take a look at some common repairs and their average cost…

  • Toilet repair $100 – $300
  • Water heater repair $150 – 500
  • Clogged drain repair $150 – $500
  • Main sewer repair $1,880 – $3,700
  • Septic tank repair $500 – $2,700
  • Tankless water heater install $400 – $1,500
  • Solar water heater install $2,000 – $4,000
  • Garbage disposal repair $180 – $240
  • Pipe bursting repair $500 – $1,500
  • Leaky pipe(s) repair $150 – $800
  • Main line water leak repair $450 – $2,500
  • Sump pump repair $380 – $550
  • Water softener repair

Should I pay a contractor in cash?

Paying in cash is usually cheaper than financing. In addition, you may get a discount for paying cash upfront. It’s okay to pay a contract using cash as long as you get a receipt or proof of payment. In addition, you should make sure the company or contractor you are paying is legitimate. While it’s okay to pay in cash, it may be better to use a check, credit card, or online payment method that makes proving payment easier.

What’s the best way to pay a contractor?

Below, we have listed the best ways to pay contractors. If you use a personal loan for plumbing financing, you should be able to use most of the following methods. When your loan funds, the money should be deposited into your account. You can use the loan funds the same as cash.
ACH transfer
Credit card
Wire transfer
Online payment system

How much plumbing financing will I need?

The amount of plumbing financing usually depends on your project and personal finances. If you need a $4,500 repair but only have $1,500 cash, you will probably need $3,000 of financing. Perhaps you have no cash and need 100% financing – that is usually doable too. Things can move quickly when it comes to plumbing repairs. Usually, we recommend getting an estimate and then applying for the proper loan amount. However, you may not have time to follow these steps. You should be able to get a ballpark idea of cost over the phone from a contractor. This can help you borrow the appropriate amount. Another option is to borrow more than you think you need. You can repay the unused funds immediately to avoid more interest charges. Although you may be in an emergency situation, it’s important to make sure you can cover the monthly payment. There are a variety of online personal loan payment estimators available that can help you determine the maximum amount of money you can afford to borrow.

Best options for plumbing financing

Personal Loan for plumbing work (BEST OPTION)

Using a personal loan can be just as simple as swiping your credit card thanks to alternative online lending options. In addition, using a personal loan can be a much cheaper option compared to your credit card. Whether you have good credit or bad credit personal loans are a flexible and attractive financing option for plumbing repairs.

Let’s take a look at the pros and cons of a personal loan for plumbing repairs:


  • Low interest rates
  • Typically no collateral required
  • Easy to activate
  • Apply online
  • Terms up to 12 years
  • Loans available up to $100,000
  • Receive pre-qualified offers without impacting your credit score


  • Taking on debt
  • Fixed payments
  • Origination fees may apply
  • Prepayment penalties may apply

Finance with a Plumber’s Loan

Some plumbing companies may partner with a bank or a finance company in order to offer financing options. In some cases, this can be a good option for borrowers with very good credit. Before committing to financing with a plumber’s loan you should compare it to other offers. After all, you are enlisting a middle man who most likely does not want to work for free.

Let’s take a look at the pros and cons of financing with a plumber’s loan for plumbing repairs:


  • Loans can be secured or unsecured
  • Fast application process
  • Convenient


  • Typically costs more than comparable options
  • Limited options available
  • More difficult to shop for the best rates

Credit Cards

Credit cards can be an easy solution for financing your plumbing repair. Most likely you already have one in your wallet. That means you just swipe and pay later. However, interest may be much higher on a credit card compared to a personal loan. If you decide to use a credit card you should find a lender that offers a 0% introductory rate.

Let’s take a look at the pros and cons of using a credit card for plumbing repairs:


  • Build your credit
  • Convenient
  • Potential to earn rewards
  • Buy now, pay later
  • Theft protection
  • Special promotions may apply


  • High interest rates
  • Annual fees may apply
  • Vague approval requirements
  • Must read the fine print

Secure Plumbing Financing Today

In conclusion, financing a plumbing repair is fairly simple and can save the day during an emergency. Making an educated decision is critical but with limited time can be challenging. Using a secure online platform such as can allow you to compare multiple offers within minutes from the comfort of your home or office. Simply submit one application online and receive competitive offers from reliable lenders. Acorn Finance is a leading provider for plumbing financing. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Ready to take the next step? Apply online today!