Personal loans for bathroom renovations

You can use this type of loan for a range of upgrades, including new fixtures, flooring, plumbing work, or a full remodel. The exact use depends on your loan agreement, so it’s best to review the details before accepting an offer.

The right amount depends on your project size. Bathroom renovations typically fall into three ranges:

• Minor refresh (fixtures, paint, new flooring) — $3,000–$10,000
• Partial renovation (new tile, vanity, shower upgrade) — $10,000–$25,000
• Full remodel (layout changes, complete gut renovation) — $25,000–$80,000+

It helps to get contractor estimates before choosing a loan amount so you borrow only what you need. With Upgrade, you can borrow between $1,000 and $50,000 — enough to cover most bathroom projects.

These ranges are estimates based on Angi data and will vary significantly based on scope, materials, labor, and location. Costs vary by region, contractor, and materials. Source: angi.com.

A bathroom renovation can add real value to your home — according to Angi, most bathroom renovations deliver around a 70% return on investment when you sell.

You don't need to go all out to see a return; simple updates like a new vanity, fresh tile, or updated fixtures can make a big difference. Even a modest refresh can make your home more appealing to buyers and help it stand out in the market.

Source: angi.com.

A renovation updates the look and feel of your bathroom without changing the layout — think new tile, fixtures, paint, or a vanity replacement.

A remodel goes further, involving structural changes like moving plumbing, knocking down walls, or reconfiguring the floor plan.

Both can be financed with a personal loan from Upgrade, whether you're doing a quick refresh or a full transformation.

A small refresh can be completed in a few days to a week, while a mid-range renovation typically takes two to four weeks. A full remodel involving plumbing or layout changes can take anywhere from four to eight weeks depending on the contractor's schedule, material lead times, and permit approvals. It helps to get a clear timeline from your contractor before you start so you can plan accordingly.

It depends on the scope of the work. Cosmetic updates like painting, replacing fixtures, or swapping out a vanity typically don't require a permit. However, if your project involves moving plumbing, electrical work, or structural changes, most local authorities will require one — your contractor can confirm what applies in your area.

Once your loan is approved and your identity is verified, funds can arrive in your bank account as soon as the next business day.

An origination fee will be deducted before the funds are transferred. Your loan offer will clearly show the final amount you will receive.