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Bathroom Renovation Personal Loans

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Borrow $3,000 to $25,000
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Same-Day Approval2
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25-36 month terms
  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
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Check If You Qualify

With no impact on your credit score!

Check If You Qualify with no impact on your credit score!

*Subject to lending criteria, T's and C's'

Get Started Now

*Subject to lending criteria, T's and C's'

Decorative graphic of a Coin
Borrow $3,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
25-36 month terms
  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
  • App Store logo
  • Google Review logo
View All Our Awards

Award-winning lender

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What is a Bathroom Renovation Personal Loan?

Whether you're wanting to up the value of your house before selling, or the empty-nester life is calling for a spruce up, you might be considering renovating your bathroom.

Before undergoing a renovation project, it's a good idea to get an understanding of the costs involved. As with any renovation, bathroom remodelling can be quite an expensive project. Jacaranda Finance offers loans for bathroom remodelling up to $25,000 to help alleviate some renovation costs.

Am I eligible for a Bathroom Renovation Loan?

You must meet the following basic eligibility criteria before submitting an application:
  • Be at least 19 years of age.
  • Be employed on a permanent or casual basis.
  • Have a consistent income going into your own bank account for the last 90 days.
  • Be in control of your finances and be handling existing financial commitments comfortably.
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, and online banking account in your name that belongs to you.

If you are unsure whether you're eligible, you can check if you qualify initially. This will not impact your credit score.

We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:

  • You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
  • You are not comfortably repaying your existing financial obligations
Loan Details
Loan Amounts:

$3,000 to $25,000
Loan Terms:

25 months to 36 months
Loan Type:
Show the About Security modal

Secured and unsecured
Rate type:

Fixed
Repayment Options:

Weekly, fortnightly or monthly
No Early Payout or Exit Fees:

Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable.
THE APPLICATION PROCESS

We Make Applying Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

How expensive is a bathroon renovation?

According to OpenAgent, a budget bathroom renovation in a small bathroom can be as low as $5,000 while a major renovation in a larger bathroom can cost $25,000 or more.

Here's a cost breakdown of some main elements you may be considering in your renovation endeavours:

 

Source: Open Agent 2022.

Tiles

  • Budget: from $30 to $55 per m2
  • Premium: over $165m2

Toilet

  • Basic: $120
  • Standard: $400
  • Premium: up to $1,200

Vanity

  • Budget: $120 - $200
  • Standard: $700 - $850
  • Premium: $1,500

Size

Small bathrooms less than five square metres cost an average of $9,700 to renovate.

Renovating a bathroom larger than this will come in at around $13,200.

Bathtub

  • Budget (usually acrylic or fibreglass): $300 - $1,000
  • Mid-range (usually enamelled cast iron, steel or polymer): $1,000 - $3,000
  • Premium (higher-end materials such as stone): $3,000 - $8,000

Trades

  • Building and renovations: $62.80 per hour
  • Carpentry: $56.45 per hour
  • Electrical: $75.56 per hour
  • Painting: $42.56 per hour
  • Plumbing: $80.92 per hour
  • Tiling: $44.93 per hour

(Prices are averages based off ServiceSeeking.com.au survey)

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Why you'll love dealing with Jacaranda

At Jacaranda, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast.

Here are some other reasons our customers love us:

  • We've been providing finance to hardworking Australians for nearly 10 years. We've already helped over 50,000 customers and we have thousands of positive reviews.
  • Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
  • Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
  • If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
  • Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
  • Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. Simply contact our customer service team.

Don't just take our word for it

We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query. We're open on Saturdays too!

Don't believe us? Check out what scores of happy previous Jacaranda customers have had to say below!

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Rates & Fees

Interest Rate
Comparison Rate
Show the What does it mean? modal
Loan Term
Repayment Cycle
Secured or
Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    19.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    36.11% to 47.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $129 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $26 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $1,295
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    16.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.99% to 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $125 to $1,190
    Monthly Fees
    Show the About Monthly Fees modal
    $26 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    19.95% to 29.95%
    19.95% to 29.95%
    Comparison Rate
    Show the What does it mean? modal
    36.11% to 47.50%
    36.11% to 47.50%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $129 to $990
    $129 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $1,295
    $0 to $1,295
    Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    16.95% to 29.95%
    16.95% to 29.95%
    Comparison Rate
    Show the What does it mean? modal
    32.99% to 45.50%
    32.99% to 45.50%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $125 to $1,190
    $125 to $1,190
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans)
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
    Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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What other home improvement loans can I apply for?

With fixed repayments and both Secured and Unsecured Loan options, our customers can take out a Jacaranda Finance Home Improvement Personal Loan for some of the following reasons.

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Home security

Need to ward off would-be thieves? A Jacaranda home security loan can lock in the funds for security cameras, safer doors, home alarm systems and much more!

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Installing solar

Looking to join the green revolution? Let Jacaranda lend a hand with the solar panel costs.

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Home repairs

Whether it's cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you've been putting off.

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Installing other green appliances

Want to boost your home's energy efficiency with a battery, a water tank or a new air conditioner? By using a Jacaranda personal loan to install them you could save thousands in the long run.

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Upgrades

A fresh coat of paint, new insulation to keep you warm or replacing creaky doors can be a great way to improve your home and increase its value.

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New furniture

Impress your guests with a new couch, TV, or dining table thanks to a Jacaranda furniture loan.

Need a loan to pay for new appliances? Consider a White Goods Loan.

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Building a swimming pool

Looking to beat the heat with a swimming pool? Let us lend you a hand with the costs.

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Landscaping

Looking to landscape your backyard? The grass is greener on your side with the help of Jacaranda.

Bathroom Personal Loan FAQs

Find out the answers to some of our most frequently asked questions here about our Bathroom Renovation Loans.

Read more FAQs here.
Read more FAQs here.

You can apply for varying loan amounts with Jacaranda, depending on your needs:

For detailed information about who our products are designed for, please review our Target Market Determinations.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.

Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.

If you don't meet our initial criteria, your credit score won't be affected.

Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.

We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.

Other lenders will be able to see that you applied for a loan with Jacaranda.

This might impact your credit score.

Review our Privacy Policy for more information.

Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.

Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.

After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2

Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3

Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.

You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.

Download the app on the Google or Apple store today.

Read more: Personal Loan Repayments 101.

A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.

Here are some of the most common reasons our customers take out a loan:

Start Building Better Credit today!