Remodel Funding Options | Mustache Approved

Finance Your East Valley Remodel — Start Now, Pay Over Time

Your dream kitchen, bathroom, or whole-home remodel doesn’t have to wait. Through our partnership with Buildertrend Financing and Nelnet Bank, homeowners across the East Valley can finance from $3,000 up to $150,000 with flexible terms designed to fit your budget. See your loan options in minutes — with no hard credit check — and start your project with confidence.

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See Your Project Cost First

Why Finance Through Mustache Approved?

Simple, flexible, homeowner-friendly financing designed specifically for remodeling projects — backed by Nelnet Bank, an FDIC-insured lender.

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Loans From $3,000 To $150,000

Finance any size project — from a single bathroom refresh to a whole-home remodel.

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See Offers In Minutes

Prequalify with a soft credit pull that will not affect your credit score.

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Rates From 4.49% APR

Fixed monthly payments over 5 to 15 years, or choose the 12-month same-as-cash option.

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Flexible Early Payoff

Pay down or pay off your loan early — if you refinance, sell your home, or come into extra funds.

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Unsecured Loans

No liens, no collateral, no home appraisal — your home is not used as security for the loan.

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Use Funds Your Way

Draw funds like a line of credit for deposits, milestones, or full project payment over a 12-month window.

Explore Flexible Loan Options

  • See offers in minutes with no hard credit check — your initial rate check is a soft credit pull that will not affect your credit score.
  • Acts like a line of credit — use as much or as little as you need. Funds can be used for down, partial, or full project payment with no liens or appraisal requirements.
  • Attractive rates with low monthly payment options for 5 to 15 years, or Same as Cash (pay in full anytime within a 12-month promotional period to pay no interest).
  • Loan amounts available from $3,000 to $150,000, subject to credit approval.

*Advertising disclosure: nelnetbank.com/ratesandtermsdisclosureagra

How It Works

From application to new space — a simple process designed to get you remodeling sooner.

1

Apply Online

Quick prequalification with a soft credit check.

2

See Your Offer

Review loan options and monthly payment amounts in minutes.

3

Accept Your Terms

Choose the option that works best for your budget and timeline.

4

We Start Your Project

Schedule your remodel and draw funds as needed during the 12-month draw window.

5

Begin Payments

On long-term loans, your first payment is due 45 days after funds are first disbursed.

Choose The Option That Fits You

Two flexible paths to financing your remodel. Pick the one that matches your situation.

12-Month Same-as-Cash

Best For

Homeowners who expect to pay the full project cost within 12 months — from a tax refund, home sale, bonus, inheritance, or other expected funds.

How It Works

No minimum monthly payment is required during the 12-month promotional period. If you pay the principal in full before the 12 months end, all interest is waived — you pay zero interest.

Important — Read Before Choosing

Interest accrues at a 24.99% fixed APR from the day funds are first disbursed. If the principal is not paid in full before the 12-month promotional period ends, that accrued interest is added to your balance and the remaining amount is repaid over 60 to 180 months (depending on your original loan amount). This option is best only if you are confident you can pay in full within 12 months.

5 to 15 Year Financing

Best For

Larger projects — kitchen remodels, bathroom additions, whole-home projects — where you want predictable monthly payments spread over a longer period.

How It Works

Fixed monthly payments at a fixed rate from 4.49% to 12.99% APR, based on creditworthiness, loan length, and loan amount. Your first principal and interest payment is due 45 days after funds are first disbursed.

Real Payment Example

$462.17 / month

$40,000 loan at 6.89% APR over 10 years — 120 fixed monthly payments.

What You Can Finance

Any of our East Valley remodeling services — from single-room projects to whole-home transformations.

🧑‍🍳Kitchen Remodels
🛁Bathroom Remodels
🚿Tub-to-Shower Conversions
🧱Flooring Installation

🎨Interior & Exterior Painting

🖌️Cabinet Painting & Refacing
🔥Fireplace Refacing
🏡Whole-Home Remodels

Frequently Asked Questions

Common questions from homeowners exploring remodel financing.

Will checking my loan options hurt my credit score?
No. Prequalification uses a soft credit pull that will not affect your credit score. You can see your loan options in minutes. If you choose to move forward with a full application, Nelnet Bank will request permission to pull your full credit report, which is a hard credit pull and may affect your credit score.
How fast can I get approved?
You can see your loan offers in just minutes after applying online. Once you accept your terms and complete the full application, funds are typically available quickly so your project can get started without delay. On long-term loans, your first principal and interest payment is due 45 days after funds are first disbursed.
How does the 12-month Same-as-Cash option work?
During the 12-month promotional period there is no minimum monthly payment required. Interest accrues at a 24.99% fixed APR from the day funds are first disbursed, but all of that interest is waived if you pay the principal in full before the 12 months end. If the principal is not paid in full by the end of the promotional period, the accrued interest is added to your balance and the remaining amount is repaid over 60 to 180 months depending on your original loan amount. This option is ideal if you are confident you can pay in full within a year.
What can the funds be used for?
Funds can be used for down payments, partial project payments, or full project payment. You draw funds as you need them — like a line of credit — throughout the 12-month draw window.
Do I need equity in my home to qualify?
No. These are unsecured loans, meaning no collateral is required. Your home is not used as security, there is no lien on your property, and no appraisal is needed.
How is this different from a credit card or HELOC?
Unlike credit cards, these loans typically offer lower rates and higher limits specifically for home improvement projects. Unlike a HELOC, there is no home appraisal, no liens on your property, and the approval process is much faster. It is purpose-built for remodeling.
What if my project costs end up being different than expected?
Because the loan acts like a line of credit, you only draw the funds you actually need during your 12-month draw window. You are not locked into using the full loan amount.
Is the interest tax deductible?
Interest on home improvement loans may be tax-deductible in certain situations, depending on how the funds are used and your specific tax situation. We recommend consulting with your CPA or tax professional for advice specific to your circumstances.
What credit score do I need to qualify?
Nelnet Bank offers loans across a range of credit profiles. The lowest advertised rate of 4.49% APR is available only to the most creditworthy applicants — not all applicants will qualify for the lowest rate. The best way to know if you qualify, and what your specific rate and terms would be, is to complete the quick online prequalification, which uses a soft credit pull with no impact to your credit score.

Backed By Trusted Partners

Your financing is provided by Nelnet Bank — an FDIC-insured financial institution headquartered in Draper, Utah — in partnership with Buildertrend, the industry-leading construction management platform trusted by thousands of contractors nationwide. Questions about financing your project? Contact our team.

Nelnet Bank — Member FDIC
Buildertrend Financing
Mustache Approved — ROC #309760
Equal Housing Opportunity

Ready To Start Your Remodel?

See your loan options in minutes — with a soft credit pull that will not affect your credit score. Or start by estimating your project cost with our free online calculator.

Apply Now
Estimate Your Project

Financing applied for and processed through the Buildertrend platform is provided by Nelnet Bank, Member FDIC (13907 South Minuteman Drive, Draper, UT 84020). All loans are subject to credit approval. Loan amounts available from $3,000 to $150,000. Offers are subject to change and may be discontinued at any time. Minimum loan amounts apply. Long-term loan rates range from 4.49% to 12.99% fixed APR, based on creditworthiness, length of the loan, and loan amount. The lowest rate is available only to the most creditworthy applicants; not all applicants will qualify for the lowest rate. Repayment terms vary from 60 to 180 months depending on loan amount. The first principal and interest payment will be due 45 days from the date funds are first disbursed to your contractor. Payment example: Monthly payments for a $40,000 loan at 6.89% APR with a term of 10 years would result in 120 monthly payments of $462.17. Same-as-Cash option: No minimum monthly payment requirement and no interest for the first 12 months (365 days) from the date funds are first disbursed. Interest accrues during this 12-month promotional period at a 24.99% fixed APR from the date funds are first disbursed; all interest is waived if the principal loan amount is repaid in full before the end of the 12-month period. Any outstanding amount, including principal and accrued interest, not repaid in the promotional 12-month period is subject to varying repayment terms thereafter of 60 to 180 months depending on the initial principal loan amount approved. Checking your rate results in a soft credit pull, which will not affect your credit score. If you continue with your application, Nelnet Bank will request permission to obtain your full credit report, which is a hard credit pull and may affect your credit score. See full advertising disclosure at nelnetbank.com/ratesandtermsdisclosureagra.

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