Bad Credit Plumbing Finance for Home

Fixing a burst pipe or unclogging the drains are some of the basics of plumbing services every household needs. The costs of these services may vary from provider to provider, but the average hourly cost for a plumber is usually $45 to $200, according to the Home Advisor.

What is the Cost of Plumbing Services?

Let’s break down some common plumbing services and their costs:

Toilet Repair: $245

Sewer Inspection: $740

Septic Tank Repair: $1750

Water Main Repair: $1000

Solar Heater Installment: $3500

While some of these services are quite affordable, some can get your wallet lighter! Luckily, most plumbing services offer financing services to their customers. However, if you’ve got a less-than-perfect credit score, it could get harder for you to get these financing options.

Financing Your Plumbing Services

Of course, cash is always the cheapest and easiest method of financing any home renovation or upgrades. A small plumbing emergency can empty your pockets faster than you can say plunger.

Here are some ways you can finance your plumbing upgrades and services.

  1. Cash-Out Refinancing
  2. Home Equity Loan
  3. Home Equity Line of Credit
  4. Personal Financing
  5. Credit Card Loan

Why is Financing the Best Idea for Those With Bad Credit?

Finance providers and lenders are always available for your renovation projects. However, they will always favor those with a good credit score and history.

For example, if you’re looking for a home equity loan or a home equity line of credit, you will be a very strong credit score. You will also require 20% equity of your home.

If so, what will those with low credit scores do?

Cash-out refinancing is one of the methods that doesn’t require an impeccable credit score. You can apply for it with less than a 550 score. Some online lenders will also allow you a personal loan but charge an insurmountably high-interest rate.

Here are some financers that will lend you a personal loan to finance the plumbing services you need:


Upstart loans is an online lender that helps those with bad credit and approves loans starting from $1,000. The loan repayment term is usually not more than 60 months with an interest rate of 35%.

Mr. Rooter

Mr. Rooter is a national chain of plumbing experts coming together to make plumbing services affordable and accessible to everyone. They don’t charge you for being late with payments, burden you with hidden charges, or deny you service.

Many other similar financers are available that offer more services and financing options at lower interest rates. Consider researching well before you make any decisions.

In Conclusion

Plumbing issues are sneaky attackers; you never know what’s coming until it does. It’s not practical to keep separate funds just for plumbing issues, especially if you live paycheck to paycheck.

Bad credit doesn’t always reflect bad financial decisions; sometimes, small mistakes contribute to having less than perfect credit scores. Why should that keep you from financing your plumbing emergencies?`