Hearth gives bathroom remodelers a flat-fee way to offer monthly payments on projects that typically run $6,600 to $26,000 and up. Plans cost $1,499 to $4,999 per year per Hearth's pricing page, homeowners can borrow $1,000 to $250,000 through its lender network, and there are no per-job dealer fees. For a trade where the average ticket sits right at the edge of what most households can pay in cash, that combination is why Hearth fits bath remodeling better than dealer-fee platforms like GreenSky.
Key takeaways
- Hearth plans run $1,499 (Essentials) to $4,999 (Elite) per year plus a one-time $99 setup fee, with zero per-loan dealer fees, per Hearth's 2026 pricing page.
- Angi's 2026 cost guide puts the average bathroom remodel at about $12,146, with full renovations at $15,000 to $45,000 and primary suites reaching $80,000 or more.
- Hearth's lending partners accept FICO scores as low as 550 and fund $1,000 to $250,000 on terms of 2 to 12 years, with a soft-pull prequalification.
- GreenSky charges contractors roughly 3% to 6% dealer fees on standard loans and 8% to 15% on promotional 0% APR products, according to LendEDU's 2026 review.
- An $18,000 bath remodel works out to about $308 per month on an 84-month loan at an 11% APR, and that monthly frame is what sells upgrades.
What bathroom remodels cost in 2026
Bathroom remodel pricing in 2026 is well documented, and the numbers confirm why financing matters in this trade. Angi's 2026 cost guide reports most homeowners spend about $12,146, within a range of $2,500 to $30,000 depending on scope, or roughly $70 to $250 per square foot. HomeAdvisor's data shows a typical range of $6,645 to $17,638. At the top end, Zonda's Cost vs Value report pegs the national average midrange bathroom remodel at $26,138, and notes it recoups about 80% of its cost at resale, the strongest return that project has posted since 2007.
| Scope | 2026 range | Source |
|---|---|---|
| Cosmetic refresh (vanity, paint, fixtures) | $3,000 to $15,000 | Angi cost guide |
| Typical remodel (most homeowners) | $6,645 to $17,638 | HomeAdvisor |
| Midrange full remodel, 5x7 bath | ~$26,138 average | Zonda Cost vs Value |
| Full renovation, standard bath | $15,000 to $45,000 | Angi cost guide |
| Primary suite renovation | $40,000 to $80,000+ | Angi cost guide |
Every band in that table above the cosmetic refresh sits in the zone where a monthly payment decides whether the job happens. Hearth's $250,000 loan ceiling covers even the largest primary suite gut, so no bath project you quote is too big for the platform.
Why bathroom remodels fit financing so well
Bathroom remodeling is discretionary, and that changes the sales dynamic in three specific ways:
- The want is real but the sticker shocks. A homeowner who has pictured a new primary bath for years is excited right up until they hear $22,000. A payment near $375 per month keeps the emotion in the room instead of killing the deal at the number.
- Upgrades are easy to justify monthly. The gap between a standard and premium tile package is often $3,000 to $5,000. As cash, that add-on gets debated. As $50 to $85 more per month, it usually gets approved.
- Homeowners shop around. Bath remodels are rarely emergencies, so your quote is being compared. If you present a monthly payment and your competitor presents a lump sum, you win on friction alone.
That upgrade dynamic is also why financed bath jobs tend to carry larger tickets, a pattern we break down in how bath remodelers use financing to grow average ticket size.
Monthly payment math on common bath tickets
Monthly payments are the language this sale happens in, so know the numbers before you sit at the kitchen table. The figures below use standard amortization at an 11% APR, a midpoint for creditworthy borrowers. Hearth's partner lenders present APRs from roughly 5% to 35.99% depending on credit score, loan amount, and term, per Hearth's loan disclosures, so treat these as framing numbers, not quotes.
| Project total | 36 months | 60 months | 84 months |
|---|---|---|---|
| $12,000 | ~$393/mo | ~$261/mo | ~$205/mo |
| $18,000 | ~$589/mo | ~$391/mo | ~$308/mo |
| $25,000 | ~$818/mo | ~$544/mo | ~$428/mo |
| $40,000 | ~$1,310/mo | ~$870/mo | ~$685/mo |
The exact figure matters less than the frame. A homeowner weighing $308 per month against a bathroom they have wanted for a decade is having a different conversation than one staring at $18,000 due on completion.
The upgrade close in action
The upgrade close is where financing earns its fee in bath remodeling. Say the homeowner prequalifies for $22,000 and your base package is $17,500, which lands near $300 per month on an 84-month term. You offer a heated floor option that adds $2,800.
"The heated floor adds about $2,800 to the project. On your terms that is roughly $48 more per month. Do you want it in the plan?"
At $48 per month, the homeowner is comparing pocket change against stepping onto a warm floor every winter morning. Most say yes. In a cash conversation, $2,800 stacked on $17,500 gets debated and frequently cut. The mechanics of running this conversation, from the soft pull to presenting terms, are covered step by step in our guide to using Hearth during an in-home estimate. The one rule that matters most: introduce financing before you reveal the price. Once you have framed the project as a cash number, you are working uphill, and the scripts in our financing objection guide only partly recover it.
What Hearth costs vs dealer-fee platforms
Hearth's fee model is a flat subscription, and that is the core of the business case for remodelers. Per Hearth's pricing page as of 2026, there are three tiers plus a one-time $99 setup fee, and no per-loan dealer fees on any of them.
| Plan | Annual price | Notes |
|---|---|---|
| Essentials | $1,499/yr | Financing tools; no quotes, contracts, or automated reminders |
| Pro | $1,799/yr | Full feature set; the fit for most bath remodelers |
| Elite | $4,999/yr | Larger operations with sales teams |
Compare that with GreenSky, where the contractor pays a dealer fee on every financed job: roughly 3% to 6% on standard loans and 8% to 15% or more on promotional 0% APR products, according to LendEDU's 2026 review of the program and GreenSky's own merchant fee documentation. A bath remodeler financing $200,000 per year pays Hearth $1,799 on the Pro plan. The same volume through GreenSky costs $6,000 to $12,000 at standard rates, and far more if you lean on 0% APR promotional offers. The break-even is low: at even a 3% dealer fee, Hearth's Pro plan pays for itself at about $60,000 in annual financed volume, roughly three mid-range bathrooms. The full side-by-side lives in our Hearth vs GreenSky comparison, the complete fee breakdown in how much Hearth costs contractors, and the tier decision in Hearth plan comparison.
Approval odds: why the 550 FICO floor matters for bath work
Approval range is the second structural advantage for bath remodelers. Hearth's lending partners work with FICO scores as low as 550, per Hearth's own program FAQs, while GreenSky's floor sits around 600, with 700+ preferred for the best terms, per LendEDU. Discretionary remodel buyers span a wider credit range than emergency-repair customers, so a 50-point difference at the bottom of the range translates into applications that get at least one offer instead of a flat decline. Every declined applicant is usually a dead deal, because few homeowners restart a discretionary project after a financing rejection at the kitchen table. Hearth's single application also goes to a network of lending partners (names like Prosper, Upstart, SoFi, and BHG Money appear in Hearth's program materials), so one soft pull returns multiple offers without touching the homeowner's credit score. We cover what the 550 floor does and does not mean in FICO scores and contractor financing.
How we put this together
We compared Hearth's published 2026 pricing and loan terms against GreenSky's merchant fee documentation and LendEDU's 2026 program review. Bathroom cost ranges come from Angi's and HomeAdvisor's current cost guides and Zonda's Cost vs Value report. Payment figures are standard amortization at an 11% APR midpoint, not lender quotes. Figures were last verified in July 2026.
Frequently asked questions
How much does Hearth cost a bathroom remodeler?
Hearth costs $1,499 to $4,999 per year depending on plan, plus a one-time $99 setup fee, with no per-loan dealer fees, per Hearth's 2026 pricing page. Most bath remodelers land on the $1,799 Pro plan, which includes quotes, contracts, and payment collection alongside financing.
What credit score do homeowners need for Hearth financing?
Hearth's lending partners work with FICO scores as low as 550, and prequalification uses a soft pull that does not affect the homeowner's credit score. Stronger scores see lower APRs and more offers, so a 550 approval will carry a higher rate than a 720 approval.
How large a bathroom project can a homeowner finance through Hearth?
Homeowners can borrow $1,000 to $250,000 through Hearth's lender network, on terms from 2 to 12 years. That ceiling comfortably covers even a $80,000 primary suite renovation, which is the top of Angi's 2026 range for high-end bath work.
What interest rates do bathroom customers actually see?
APRs from Hearth's partner lenders run from about 5% to 35.99%, depending on credit score, loan amount, and term, per Hearth's disclosures. Creditworthy borrowers on mid-length terms commonly land in the low teens, which is the range our payment tables assume.
Is Hearth worth it for a small bathroom remodeling company?
Hearth is generally worth it once you finance around $60,000 or more in projects per year, which is where the flat $1,799 Pro fee beats even a 3% dealer fee. For a bath remodeler, that is roughly three mid-range jobs, so most companies running regular in-home estimates clear the bar easily.
Bathroom remodeling and flat-fee financing are a natural match: discretionary demand, verified ticket sizes of $6,600 to $26,000 and up, and an upgrade menu that sells itself in monthly terms. If you also run kitchen projects, the same math scales up in our guide to Hearth financing for kitchen remodelers. You can see current plan details and start an application on Hearth's contractor signup page.
