Financing Options
Multiple financing paths to fit your budget and remodeling goals. Compare rates, terms, and monthly payments.
RemodelingFX works with trusted lending partners to offer Boise-area homeowners several financing options. Every option features competitive rates, clear terms, and no hidden fees.
Personal Home Improvement Loan
Unsecured personal loans are the fastest path to financing your remodel. No collateral needed, and approval decisions are typically made within 24 hours.
- Fixed monthly payments for predictable budgeting
- No home equity required
- Funds disbursed in as few as 3 business days
- No prepayment penalties
HELOC / Home Equity Options
Home equity lines of credit leverage your existing home value to provide flexible, low-rate funding. Ideal for larger renovations where you want to draw funds in stages.
- Lower interest rates backed by home equity
- Draw funds as needed during the project
- Interest-only payment options during draw period
- Potential tax-deductible interest (consult your tax advisor)
0% Interest Promotional Period
Our promotional 0% interest financing lets you spread payments across 12 to 18 months with zero interest charges. Available through select lending partners for qualified borrowers.
- No interest charges during promotional period
- Pay the full balance within the promo window to avoid deferred interest
- Available to qualified applicants with good credit
- Perfect for smaller to mid-range projects
The table below shows estimated monthly payments for common project sizes. Actual rates and terms depend on credit profile and loan type.
| Project Cost | Term | APR | Est. Payment |
|---|---|---|---|
| $10,000 | 60 months | 7.99% | $203/mo |
| $25,000 | 84 months | 8.99% | $402/mo |
| $50,000 | 120 months | 9.49% | $646/mo |
| $75,000 | 144 months | 7.49% | $680/mo |
* Payment examples are for illustrative purposes only. Actual rates, terms, and monthly payments may vary based on creditworthiness, loan amount, and lender requirements.
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