Home Remodeling Financing in Plano, TX (2026 Guide)
Flexible financing options for kitchen remodels, bathroom upgrades, and whole-home renovations — no equity required.
Quick Answer
UHS Remodeling offers financing starting at 0% APR for 12 months for qualified buyers. Most homeowners in Plano are approved in under 5 minutes. Minimum project size $5,000. Apply now or call (682) 232-1585.
Financing Options
Same-As-Cash
- 12-month promo period
- No interest if paid in full
- Minimum: $5,000
- Approval in minutes
Low Monthly Payments
- 24–84 month terms
- Fixed monthly payments
- Up to $150,000
- No prepayment penalty
Home Equity Line
- Larger project amounts
- Tax-deductible interest
- Draw as you go
- Best for $50,000+ projects
How the Approval Process Works
Get Your Free Estimate
We visit your home and provide a detailed written estimate. No cost, no obligation.
Apply Online in 2 Minutes
Submit a simple application. No home equity required. Soft credit check only — won’t affect your score.
Instant Decision
Most applicants receive a decision in under 5 minutes. Multiple lender options to maximize approval chances.
Project Begins
Once approved, we schedule your project immediately. Funds go directly to UHS Remodeling — you never handle them.
Frequently Asked Questions
What credit score do I need to qualify?
Most of our financing partners approve applicants with a 600+ credit score. We work with multiple lenders to find the best fit for your situation, including options for scores as low as 580.
Does applying for financing affect my credit score?
The initial application uses a soft credit pull, which does not affect your credit score. A hard pull only occurs if you choose to accept the loan offer.
How much can I finance?
We offer financing from $5,000 up to $150,000 depending on creditworthiness and project scope. Kitchen remodels, bathroom renovations, room additions, and whole-home projects all qualify.
Is there a down payment required?
No down payment is required for most financing options. You can finance 100% of the project cost, including materials, labor, and permits.
Can I pay off my loan early?
Yes. There are no prepayment penalties on any of our financing products. Paying early can save you interest on longer-term loans.
Do you offer financing for emergency repairs?
Yes. We offer expedited financing approval for urgent situations like water damage restoration, structural repairs, or storm damage. Same-day approvals are often possible.
Ready to Start Your Remodel?
Get a free estimate and financing pre-approval — same day, no obligation.
Get Free Estimate + Financing InfoNot sure what your remodel will cost?
Answer 4 quick questions and get a free personalized estimate.
See Custom Prices