So here’s a situation that gets brought up a lot when we talk to homeowners: financing your remodel. It sounds simple enough, right? You hear things like “easy payments” or “no interest if paid off in 12 months,” and at first glance it sounds like a good deal. But dig just a little deeper, and you start to realize how many games are being played.
Ben and Zack were talking about this on the podcast recently. They were going over how some companies try to avoid giving you a straight answer on the actual cost of your remodel. Instead, they jump straight into what your monthly payment might look like. And that’s where things can get sneaky.
Let’s break it down.
🤷 The Monthly Payment Trick
So picture this: you’re sitting at your kitchen table with a salesperson. You ask what the total price is. Instead of answering that, they start asking you questions like, “What monthly payment are you comfortable with?”
Sounds helpful, right? But really, what they’re doing is anchoring your decision to a number that doesn’t tell the whole story.
- They stretch out the loan term
- They sneak in interest rates
- They upsell features to meet your monthly number
And in the end, you could be overpaying by thousands.
⚡ Why This Hits Your Wallet Hard
Here’s why homeowners in Houston need to be sharp about this stuff:
- Deferred interest sounds good, but if you miss the window, you pay all the back interest
- Short-term plans (like 12 or 24 months) can still carry high monthly payments
- Long-term plans with bad terms could leave you upside down
- Some companies bury the real price of your remodel under confusing loan language
We don’t do that.
At EZ Bath, we tell you the price. Upfront. And then we show you our financing with six years of 0% interest*. That’s right. Zero. Zilch. Nada. For real. No gotchas, no surprise fees at the end.
✅ Here’s What to Look For Instead
If you’re financing your remodel, look for companies that:
- Show you the full out-the-door price first
- Offer long-term plans with no interest
- Let you use your own bank or lender if preferred
- Don’t pressure you with same-day decisions
You want transparency. That’s what protects your budget.
📈 Real Impact, Real Costs
Look, your bathroom isn’t just about nice tile or fancy fixtures. It’s about having a space that works for your family’s needs. And it needs to be safe, comfortable, and built to last.
When you end up with bad financing, you end up paying for that bathroom twice. Or worse, you get halfway through and the budget falls apart.
Think about it:
- Resale value? Damaged
- Timeline? Blown
- Peace of mind? Gone
🥝 Straight from the Podcast
In a recent episode of the EZ Bath Podcast, Ben and Zack called it out. They’ve seen offers where the best plan was 24 months, no interest. Or 12 months of deferred interest. Compare that to our 6-year plan at 0%, and it’s not even close.
📆 Key Takeaways
- Don’t fall for the monthly payment bait
- Deferred interest is risky
- Get your out-the-door price before financing
- 6 years, 0% interest is the gold standard
- Your bathroom should not cost more than it should
❓ FAQ
Q: Is it better to finance with the remodeler or my own bank?
A: Either is fine, as long as the terms are fair. Look for low or no interest and no hidden fees.
Q: What’s the danger of deferred interest?
A: If you don’t pay it off in time, you’re charged all the interest from day one.
Q: Can I get financing without perfect credit?
A: Yes. Many of our customers qualify even with less-than-perfect credit. We work with lenders who understand real-life budgets.
😊 Want to Chat? We’re Here.
If you’re curious what a real remodel would cost with honest financing, reach out. No pressure. Just straight answers and a real plan you can trust.
