Bathroom Remodel Financing

What is bathroom remodel financing?

Bathroom remodeling loans can offer an affordable solution that allows you to make payments over an extended period of time. With most loans you can typically start your remodel project with zero dollars down. This can help you create the bathroom of your dreams sooner than you imagined! Personal loans are one of the most common choices for bathroom remodel financing. Acorn Finance is a leading provider of personal loans that can be used for your bathroom remodel. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. They offer a user-friendly and quick application process that can deliver multiple competitive financing offers.

Can you use a home improvement loan for a bathroom remodel?

Yes, you can use a home improvement loan for a bathroom remodel in most cases. Different types of home improvement loans are available so it’s important to do your research and select the right one.

How much does a new bathroom remodel cost on average?

When remodeling or designing a new bathroom you have many decisions to make. Most of them can impact the total cost of a new bathroom. The good news is that you can drive up the cost or drive down the cost based on your choices. On average bathroom remodels typically cost:

• Average bathroom remodel falls between $9,600 – $11,000
• Average low end bathroom remodel $2,500
• Average high end bathroom remodel $23,000

Can your house increase in value from a bathroom remodel?

Bathrooms can be deal makers or deal breakers when buying or selling a home. Most likely remodeling a bathroom will help your home sell faster and make it more valuable. However, it’s hard to directly prove the return on investment for remodeling a bathroom.

Can you finance smaller bathroom improvements or only remodels?

Financing options are available for bathroom improvements and remodels. The size and cost of your project can narrow or expand financing options available to you. Personal loans can be a good option for financing bathroom improvements or smaller projects.

Can you renovate a bathroom for $10000?

It may be possible to accomplish a simple bathroom remodel on a $10,000 budget. However, it’s important to make sure that your budget and expectations match. If you are envisioning starting over from scratch, moving plumbing, and creating a completely new footprint, your budget may not be in line with your expectations. To stay within a $10,000 budget you’ll probably need to stay within the same footprint and make wise design decisions. Focusing on simpler renovations such as a fresh coat of paint or a new shower door can transform a bathroom without breaking the bank. Whether you have unlimited funds or not, you should get creative for a bathroom remodel project.

Can you remodel a bathroom for $5000?

A bathroom remodel can be done for $5,000. However, you may need to be hands on and DIY renovation projects. If you consult a contractor about a $5,000 bathroom remodel, they may discourage the idea. Contractors are used to encountering unforeseen problems and a $5,000 budget does not necessarily leave room to resolve unforeseen problems. This may be one reason why contractors do not want to do $5,000 bathroom remodels. While we recommend using a contractor, it may eat up funds when you’re on a small budget. If you are able to DIY a bathroom remodel, your $5,000 can go purely towards materials as opposed to materials and labor.

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What is the best way to finance a remodel?

The best way to finance a bathroom remodel typically depends on your finances and how much you need to borrow. For example, if you only need to borrow $6,000 you may only qualify for a personal loan or a credit card. However, if you need to borrow $25,000, you may qualify for a secured home equity loan. Home equity loans may be better suited for big home improvement projects. Personal loans may be better suited for small to medium size home improvement projects such as a bathroom remodel.

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How much does a tiled walk in shower cost?

According to Home Advisor, a walk-in tiled shower usually costs between $2,500 to $5,000. On the high end shower tiling can cost $17 per square foot and on the low end it can cost $2 per square foot. The cost can vary significantly depending on the type of tile and size of shower. If you add a tile design, this may also increase the cost. Some walk-in tiled showers may cost $10,000+. Ceramic and travertine tile should be much more affordable than marble or granite tile.

How much does it cost to remodel a 5×7 bathroom?

5×7 bathrooms are common in older homes, thus making this a popular size bathroom for remodeling. A 5×7 bathroom is a rather small space but it should be big enough. The upside to a smaller bathroom is you can remodel it for less money. According to Home Light, a 5×7 bathroom remodel can be done for about $7,300. More than 50% of this estimate is allocated to labor. If you can do any bathroom remodel projects yourself, you can save thousands of dollars. If you are considering a DIY bathroom remodel you should invest some time into watching TV shows or YouTube channels sharing other homeowners remodel experiences. This can help you gather ideas while learning from other peoples’ mistakes.

Does Home Depot do bathroom remodeling?

The Home Depot Design Center may offer bathroom remodeling services depending on your location. If a local Home Depot offers bathroom remodel services you can schedule an appointment for a free consultation online. Home Depot offers innovative design tools that allow you to visualize what your bathroom could look like. In addition, Home Depot offers hundreds of products created by market leading brand names. To find out if your local Home Depot can assist with a bathroom remodel, you can plug your zip code in online.

Does Lowes offer bathroom remodeling?

Lowe’s partners with Re-Bath in order to offer customers bathroom remodeling services. Re-Bath offers in-home consultations in over 100 cities. During your in-home consultation Re-Bath will bring the showroom to your home to help your design ideas come to life. Once you have created a plan with a Re-Bath professional they can send out a demolition and installation crew. Re-Bath has a team of professionals that can handle just about everything from electrical to plumbing. In order to get started, you can visit Lowe’s online and select a local store.

What is the most expensive part of a bathroom remodel?

All bathroom remodels are subject to their own needs and obstacles. Therefore, while one thing may be costly for one remodel, it may not be for another remodel. For example, if you are moving plumbing, this can be expensive. Furthermore, if there are obstacles encountered while moving the plumbing it may be even more expensive. However, regardless of the finer details most experts say that the tile work and plumbing are some of the most expensive parts of a bathroom remodel. Since both of these items are found in most shower areas, you can expect to spend a decent portion of your budget remodeling the shower.

What is the cheapest way to remodel a bathroom?

If you are looking for the cheapest way to remodel a bathroom, you’ll need to put your creative hat on. While some homeowners believe that everything must be demolished and rebuilt for a successful remodel, that is not always the case. Instead of replacing the cabinets, can you paint the cabinets? Do you need to replace the entire sink or could you get away with just replacing faucets? To find the cheapest way to remodel a bathroom you should spend some time thinking about alternative ways to transform the bathroom. In addition, you should try to DIY as many bathroom remodel projects as possible to save money. Here are some cost effective bathroom design ideas. . .

Refinish or touchup the bathtub (don’t replace it!)

New hardware for cabinets

New sink faucets

Paint interior walls by yourself

Install a prefab vanity

Check Out More of Our Remodeling & Renovation Loan Options

• Bathroom Remodel Financing
• Kitchen Remodel Financing
• Basement Remodel Financing
• Backyard Renovation Financing 
• How to Finance Home Renovations
• Borrow Money To Finance Home Renovations

How much should a small bathroom remodel cost?

According to Home Advisor, the national average for a small bathroom remodel is about $6,500 with a range of $1,500 to $15,000 and up. A small bathroom typically measures about 40 square feet. Whether you are remodeling a small or large bathroom, high-end materials and complex designs can add to the total costs.

How much should I spend on a bathroom renovation?

Whether you have an unlimited or extremely limited budget, you can make home improvements to the bathroom. Even if you can only afford to add a fresh coat of paint, new hardware, and a new toilet – you can still increase your home value. How much you should spend on a bathroom renovation is a question only you can answer. If you have certain ideas you are firm on you should contact a contractor to get an estimate. If you are unable to afford the entire remodel at once you may want to break it into pieces or use bathroom remodel financing.

What is the best way to finance a new bathroom?

Whether you are financing a new bathroom or a bathroom remodel there are a variety of financing options to choose from. Building a new bathroom from scratch may be more expensive than remodeling an existing one so it may make more sense to use a secured loan such as a home equity loan. Acorn Finance has lending partners that offer new bathroom loans up to $100,000.

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Personal Loan for Bathroom Remodel (BEST OPTION)

Taking a personal loan for a bathroom remodel is an attractive and very popular option. In most cases, personal loans allow you to borrow the amount you need and don’t require collateral. Acorn Finance is a reliable and top-rated company that provides personal loans for bathroom remodels. 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

Pros

• Loans available up to $100,000
• Competitive interest rates as low as 6.99 percent
• Terms up to 12 years
• Receive pre-qualified offers without impacting your credit score
• Easy to activate

Cons

• Not a direct lender
• Credit may be required for approval

Home Equity Line of Credit

A home equity line of credit allows you to borrow money using your home as collateral. This means you could be risking losing your home if you default on payments or if your home significantly decreases in value. It’s true that remodeling a bathroom may increase the value of your home. However, you should still consider the pros and cons of using a home equity line of credit.

Pros

• Fixed interest rate
• Potential tax deductions
• Competitive interest rates
• Good option if you have bad credit

Cons

• Need equity in your home (usually a minimum of 15% – 20% equity)
• Risk losing your home
• May borrow more money than you need
• High fees

Credit Cards

Credit cards may seem like a simple and upfront option for financing a bathroom remodel. However, there are things you should seriously consider before using your credit card such as the interest rate. On average credit card APRs are around 16%. Unless you’re taking advantage of a promotional 0% rate for a specified term using your credit card may not be the best option.

Pros

• Potential to qualify for rewards or cash back
• Promotional 0% offers may apply
• No collateral needed
• Lower credit score requirements

Cons

• Interest rates may be higher than comparable options
• Shorter pay off period recommended
• Annual fees may apply

Traditional Banks

Your local bank or credit union may offer competitive loan options for financing a bathroom remodel. In most cases you would be issued a personal line of credit with a limit typically ranging between $1,000 – $100,000. This loan can fall somewhere between a personal loan and a credit card.

Pros

• Use funds however you want
• Unsecured loan
• No collateral required
• Quick access to funds

Cons 

• Variable interest rates
• Annual maintenance fees can apply
• Uncertainty of what monthly payment will be

Can you take out an extra mortgage for renovations?

Some may refer to a home equity line of credit (HELOC) as a second mortgage. A HELOC is backed by your home and may offer a lower interest rate compared to an unsecured home improvement loan. HELOC loans are similar to a credit card in the sense that they are a revolving line of credit. This means homeowners can have access to a certain amount of capital that they can use at their leisure. The upside to a HELOC is that you only pay interest on the amount of money you actually withdraw. The downside to HELOC loans is that you could risk losing your home if you are unable to keep up with the payments. In most cases, HELOC loans have variable interest rates which can cause the monthly payments to fluctuate and the interest rate to change depending on market conditions. To qualify for a HELOC loan you will likely need 15% to 20% equity in your home at a minimum.

Alternatively, you may be able to secure a home equity loan which can also be referred to as a second mortgage. Home equity loans are paid out as a lump sum, similar to a home improvement loan. Payments may be easier to manage for home equity loans since they have fixed monthly payments. The downside to a home equity loan is that you will still have to use your home as collateral and you may have less payment flexibility than you would with a HELOC.

Home improvement projects can involve surprise expenses. If you know exactly how much your project will cost, a home equity loan or home improvement loan may be a good option. For ongoing and unpredictable projects you may want to consider a HELOC loan. If you prefer a financing option that does not require collateral you should consider a home improvement loan.

How can I get bathroom improvements without equity?

If you have just purchased a new home and need to make home improvements, you may not have enough equity to qualify for a secured loan. Alternatively, you may just prefer to not use your home as collateral. The good news is, you can get a home improvement loan without equity or collateral for that matter. An unsecured home improvement loan can provide the funds you need to transform your home. Similar to a home equity loan, home improvement loans are funded as a lump sum of cash that can be spent as needed. In addition, they have a fixed monthly payment which can make them easier to manage but provide less flexibility.

So where can you get a home improvement loan? Most banks, credit unions, and online lenders offer home improvement loans. Essentially they are just personal loans that are used for home improvements. You may be comforted knowing that you should have options for a home improvement loan. Before you commit to a home improvement loan you should compare offers. In addition, it may help to determine how much your project will cost before checking home improvement loan offers.

At Acorn Finance, you can check home improvement loan offers within 60 seconds or less with no impact to your credit score. With several top-rated lending partners, Acorn Finance offers consumers a platform that allows lenders to compete for your business. As a result, consumers have the power to choose the offer that is best for their situation. Acorn Finance has lending partners that can offer personal loans up to $100,000.

In addition to using a home improvement loan, you may be able to access cash savings, use a credit card, or ask a friend or family member for a loan. For some materials you may be able to find promotional financing offered through retailers or manufacturers. However, managing your home improvement projects may be a big enough responsibility. Adding multiple loans and monthly payments to your list of things to manage may be overwhelming. If possible, you should secure one low interest loan for home improvements.

What is the difference between a home improvement loan and a home equity loan?

The biggest difference between a home improvement loan and home equity loan is collateral. Home equity loans are secured by the equity in your home whereas home improvement loans are not. Lenders have less risk for home equity loans so they may be able to offer higher loan amounts, lower interest rates, and longer terms. However, homeowners have more risk. If you have excellent credit you may be able to secure a very competitive interest rate for a home improvement loan as well. At Acorn Finance, our lending partners can offer APRs as low as 6.99%.

What is the downside of a home equity loan?

Home equity loans, like any other loan, come with pros and cons. For each homeowner, the pros and cons and the amount of risk involved can vary. Regardless of what the internet says, you should always compare options on a personal level and choose the option that you are most comfortable with. If you fear losing a job or income in the near future, you should think twice before taking any kind of loan. Defaulting on a home improvement loan can damage your credit report. Which is bad but the consequences of defaulting on a home equity loan may be even worse. If you default on a home equity loan you may put your home into foreclosure. Here are some notable downsides to a home equity loan that you should know about:

Put your home at risk

Not valuable if your home has little equity

Take longer to fund

Which bank is best for a renovation loan?

Most banks can offer a renovation loan. Some recognizable names in the industry such as Wells Fargo, USAA, and JP Morgan Chase, have been recognized for their home improvement loans. While it’s important to work with a credible lender, you should keep in mind that some of the smaller banks or online lenders can offer competitive rates and terms. When shopping for lenders and offers you should first make sure they can offer you enough money. Most lenders have minimum and maximum loan amounts. It’s easy to spend hours and maybe even days narrowing down which lenders to apply with. To expedite the process while still securing a competitive loan offer you should check offers at Acorn Finance. In addition, you may want to reach out to trusted friends and family and ask for recommendations.

Can I add home improvements to my mortgage?

Whether you want to finance a bathroom remodel or other home improvements, you may be able to add the costs to your mortgage. If you are purchasing a new home this may be a smart option. However, in theory it increases the purchase price of the home. As a result, you may have to pay commotion on a higher purchase price. In addition, you will be paying on these home improvements for the next 15 or 30 years, depending on the term of your mortgage. In some cases it may make sense to add home improvements to your mortgage. We encourage future homeowners and current homeowners to always explore all options to make educated financial decisions.

How long does a bathroom remodel take?

If your remodel goes smoothly, it should take a little longer than one month to complete. If you hire a contractor, they usually do not work on weekends. This is accounted for in the estimated time frame. However, the unexpected occurs often during bathroom remodels. While you can hope for the best and plan properly, surprises can still happen. Oftentimes, rot or mold may be discovered during the demolition period of a bathroom remodel. You may need to repair or replace damaged items, which can bring the project to a halt.
If you need your bathroom remodel completed by a certain date, you can ask your contractor for a best-case scenario completion date and worst-case scenario completion date. It’s always the goal to shoot for the best-case scenario, but you may want to plan for the worst-case scenario. Hopefully, the time it actually takes to complete the bathroom can fall somewhere inbetween the best and worst case.
The scope of your project may also impact how long it takes. If you are just replacing countertops and painting, it should not take more than one month. However, if you are replacing cabinets, tile, floors, fixtures, toilets, and more, it very well could take more than a month.

What to consider before financing a bathroom remodel?

As you begin to seriously consider a bathroom remodel, you may start to feel overwhelmed, especially if you are using financing. So where do you start? What should you consider?
If you have no reservations about qualifying for financing then you may want to begin by determining what your project will cost. Contractors may ask you what your budget is. To gauge an idea of what monthly payments might look like you can use an online personal loan payment calculator. Once you have made basic design decisions and understand what your project will cost, you can determine how much financing you need. In some cases, you may need to finance the entire project. If so, that should not be a problem, as long as you qualify. At Acorn Finance we have lending partners that can offer home improvement loans up to $100,000.
If you are concerned about whether you qualify for financing or not, you may want to start by getting prequalified. Borrowers with credit challenges may not qualify for large loan amounts. In addition, borrowers with credit challenges will likely qualify for high interest rates which can result in high monthly payments. As a borrower with known credit challenges you may want to determine what you qualify for before meeting with contractors.

Can you finance multiple bathroom renovations at once?

You can use one loan to finance renovations for multiple bathrooms. If you plan on spreading out the renovations, you may want to use a home equity line of credit. A home equity line of credit is a revolving line of credit. You can draw up to a certain amount of money and only pay interest on the amount you draw on. For ongoing projects, this may be more cost effective. Similar to a home equity loan, a home equity line of credit requires homeowners to borrow against the equity in their home. If you do not have equity in your home, then you may be limited to a home improvement loan.
However, if you plan on doing all the renovations within the same time period, a home equity loan or home improvement loan should make sense. Home equity loans and home improvement loans are funded as a lump sum. Therefore, if you borrow more money than you need, you may end up paying unnecessary interest fees.
Regardless of the type of loan you choose, it’s usually easier to take out one loan or line of credit for all planned home improvement projects. Managing several loans and several home improvement projects can be time consuming.

Can you finance a bathroom remodel for your second home?

You can finance a bathroom remodel for a second home. If you use an unsecured home improvement loan, the application process should not differ from getting a loan for a bathroom remodel in your primary residence. If you are considering a home equity loan there are a few things you should know. For starters, you can get a home equity loan for a second home. However, you’ll probably need a minimum of 25% equity in your home. You may be pursuing a home equity loan in hopes of ultra low interest rates, and this may be the case for a home equity loan on your primary residence. Unfortunately, the interest rates for a home equity loan on a second home may be higher. To qualify you should have excellent credit and a low debt-to-income ratio, in addition to plenty of equity in the home. Just because a lender offers home equity loans, does not mean they can offer them for a second home. You will want to confirm with the lender before you apply. Due to the higher interest rates and strict requirements, homeowners often use unsecured home improvement loans to finance a bathroom remodel for a second home.

Can you get a loan to finance a bathroom remodel for a vacation home?

A vacation home and a second home are usually the same thing. Vacation homes are used mainly for recreational purposes. Vacation homes can be referred to as a second home. If you already own a vacation home then you are probably aware that mortgage rates for vacation homes are typically higher than primary residence mortgage rates. Getting a home equity loan with a vacation home is possible, but may have higher rates.
If you need to finance a bathroom remodel for a vacation home you should consider using a home improvement loan. Whether you are taking a home improvement loan for a primary residence or vacation home, the interest rate should be the same. Lenders usually do not ask you to specify which residence the funds will be used at.
Remodeling the bathroom in a vacation home may help you fetch a higher rental amount, if you rent it when you are not there. It may also increase its resale value. Of course, it will also make the space more enjoyable and luxurious for the time you do spend at this home.

What type of loan is best for a bathroom remodel?

The type of loan that is best for a bathroom remodel usually depends on your finances. If you are remodeling a bathroom or bathrooms in your primary residence and you have plenty of equity in your home, you may want to use a secured loan. However, if you do not have enough equity to qualify for a secured loan, a home improvement loan can be the next best option. Alternatively, for small bathroom remodels, a home improvement loan might be a smarter option than a secured loan. Secured loans generally have lengthier and more complicated approval processes. In addition, homeowners must use their home as collateral which can be risky.

Can I get a loan to remodel my bathroom with a low credit score?

Getting a personal loan with a low credit score can be a bit challenging, but it’s not impossible. Different lenders have different criteria when it comes to your credit score. Some lenders will consider a score as low as 550 while others want your score to be 640 or more. Your credit score will have a big impact on whether or not you qualify for a loan but it is not the only thing that lenders look at.

Lenders consider several things. If you have a good income with low expenses, that will work in your favor since it shows that you will have the cash available to make payments. If you have liquid assets, like money in a savings account, they may consider that too. Readily available cash can be used to make loan payments if funds are tight for other reasons. If your credit score is low but you have collateral that they can take as security, they might consider this option. This reduces their risk since they will take your collateral to satisfy the debt if you don’t make your payments. Taking a shorter loan term can influence the decision as well. The sooner the borrower pays the loan back, the sooner the lender gets their money. Finally, they look at your employment history. If you have had continuous employment and income for a while, this shows stability and may help with your loan approval. When you get a personal loan, lenders usually don’t monitor the use of the funds. If you qualify, they simply lend you the money. Qualifying for a loan with a low credit score means you can use the money for whatever you want, including a bathroom remodel.

It is possible to get bathroom renovation financing even if your credit score is low. You will need to check your credit score and calculate how much money you need. You want to make sure you are approved for enough money before you begin your project. Once you know these things, you need to apply for financing. When you are ready to apply for a loan, you can start by checking home improvement loan offers at Acorn Finance.

How much of a loan can I get to remodel my bathroom with bad credit?

Your credit score is a big indicator of whether you can qualify for credit or not. The main credit score that lenders use is the FICO score. The FICO score is a three-digit number that will fall into a range between 300-850. If you have bad credit, your score will be between 300-579. There are lenders who will lend to those with low credit scores, but the amount they are willing to lend will vary.

Some lenders will fund loans for people with credit scores of 580 or 600. This score is actually at the lower end of a fair credit score. An example of a lender who doesn’t have credit score requirements is OneMain. They will fund loans up to 20k with rates of 18%-35.99%. Loan terms can be up to 60 months.

The best thing to do is shop around. Not only do some loans have very high rates, but they can also have origination fees and prepayment penalties. You will want a loan with the lowest rate possible and the fewest fees. A great way to do this is to apply online. Using the Acorn Finance platform, you can check offers from trustworthy lenders. You can get prequalified within 60 seconds or less without impacting your credit score.

Should I take a loan out for bathroom remodeling if I have a 500 credit score?

Taking out a loan is not a decision to be taken lightly regardless of your credit score. You will be committed to payments which can put stress on your budget. If you have a credit score of 500, you may have a hard time finding a loan provider. In most cases, your rate will be very high, and you may not be able to borrow as much as you need. The lender may require some type of security or collateral before they fund the loan. If they do want it secured and you don’t make your payments, you will lose your security to the lender. If your credit score is 500, you should only take a loan out to remodel your bathroom if it is necessary to get the work done. If you can wait before you remodel, you can use that time to rebuild your credit score and save some money so you don’t have to borrow as much.

If you can’t get a loan through a lender, there are other ways to try and get the funds you need. If you have equity in your home, you could apply for a cash-out refinance or a home equity line of credit. You will be using the equity in your home to secure the loan so you need to be aware that if you fail to make your payment, the lender can foreclose.

You can sometimes get financing through the company that will be doing your renovation. Contractors and bathroom design companies often offer financing to their customers, so this is an avenue to explore too.

What are the best lenders to remodel my bathroom with a low credit score?

Some lenders will consider extending a loan to borrowers with a low credit score. Three lenders who do not specify a minimum credit score are OneMain, TD Bank, and Upgrade. One Main offers loans up to 20k, while TD Bank and Upgrade offer loans up to 50k. Their rates range from 5.94% APR-35.99% APR. The interest rate can make a significant difference in what your payments are and how much your loan will cost.

As an example, a 20k loan at 6% with a five year amortization may have monthly payments of about $386.66 and cost about $3199.36 in interest over the life of the loan. A 20k loan with an interest rate of 35.99% and a five year amortization may have monthly payments around $722.53 per month and interest may cost around $23,351.81 over five years. This is a big difference which is why it’s best to get the lowest rate possible.

How does Acorn Finance offer financing for bathroom remodels?

Acorn Finance partners with top national lenders to offer a platform where consumers can check home improvement loan offers. Essentially, home improvement loans are just personal loans. Whether you use a home improvement loan or personal loan, you usually don’t have spending restrictions. This means you can spend the funds on just about anything you need. So how does financing work at Acorn Finance? Simply, fill out a form and check offers within 60 seconds or less, with no impact on your credit score. Once you have compared offers, select the offer of your choice and complete the process with the lender. In some cases, loans can be funded in as little as 1-2 business days, although funding times can vary. Our lending partners can offer loan amounts between $1,000 to $100,000 with APRs as low as 6.99%, depending on credit score.

In conclusion, the cost of a bathroom remodel should not be holding you back. A variety of bathroom remodel financing options are available and are so easy to take advantage of. If you’re considering a personal loan you should try Acorn Finance. Acorn Finance is a trustworthy company that partners with reputable lenders to provide competitive financing options for bathroom remodels. You can apply online using their simple three step process to receive multiple offers for financing. This allows you to save time and compare offers easily. Ready to take the next step? Apple online today!