Request to prequalify for plumber financing through a local contractor in our network.
If it’s time to upgrade the plumbing in your home, let us try to connect you with top plumbers who offer financing in your area.
Explore options to finance plumbing repairs
by completing the form above.
How to Get Financing for Plumbing Repairs
Step 1
Enter a little information about your finances and plumbing needs using our form.
Step 2
Let us review your request in real time, and a pre-qualified offer for plumbing financing may be presented onscreen.
Step 3
If available, select an offer with terms that work for you and complete the plumber loan application.
Step 4
Work with your plumbing contractor to complete the job while you repay the loan over time.
What Is Plumbing Financing?
Plumbing financing is a loan that helps homeowners afford plumbing repairs or install new systems that operate using water. Upgrading your system and fixing leaks can get expensive quickly. Luckily, Renovate works with local, reputable plumbers, offering competitive, flexible financing options that fit your budget and project.
For example, if you need financing for plumbing repairs that cost $5,000 at an APR of 10% over 24 months, you would pay around $231 per month. Your total cost to repay the loan would be about $5,538.
Loan amounts and terms vary based on your creditworthiness and the plumbing companies that offer financing.
Types of Plumbing Services
A plumbing professional can help you “unclog” many areas of your home beyond your kitchen and bathrooms. Here are some examples of projects best reserved for licensed plumbers:
- Installation of new systems: A plumber can assess a home’s water supply and drainage needs to install the proper plumbing system in a new home or within an addition, such as an ADU, new bathroom, or upgraded kitchen.
- Repair and maintenance of old systems: A plumbing professional can address leaks, clogs, and broken pipes within your existing plumbing system, as well as conduct routine maintenance such as drain cleaning and flushing.
- Installation and repair of appliances and fixtures: A plumber can install new garbage disposals, toilets, sinks, showers, and more or repair the existing systems in the home.
- Water heater repair: A plumbing contractor can address non-electrical problems related to your water heater, such as low water pressure, leaks, pilot light issues, or water quality problems.
- Treatment and purification of water systems: A plumber is often needed to complete projects related to water filtration and softening.
- Sewer line repair: A plumber can better diagnose common problems that stem from the sewer system, including drain backups, stagnant water on your lawn, gargling sounds in your drains, foul odors, and more.
How Much Does Plumbing Installation and Repairs Cost?
Most plumbing projects range between $2,200 to $5,200, but this varies widely depending on the project and the size of your home. Installing plumbing in a new home or replacing the pipes in an existing home can cost from $3,000 to $16,000, while addressing plumbing common repairs may run between $300 to $1,200.
Contractors usually price these jobs by linear foot or by labor hour, and some plumbers have minimum labor fees starting at about $125 per hour. Replacement and replumbing jobs are usually more expensive than repair jobs. This is because rough-in plumbing for new projects requires installing the supply and drain lines and then connecting them to your water and sewer mains.
Here are a few cost estimates for common residential plumbing projects, not including the cost of the fixture or appliance:
| Plumbing Project | Cost Estimate |
| Sink installation | $250–$650 |
| Toilet installation | $275–$850 |
| Water heater installation | $800–$2,000 |
| Water softener installation | $200–$5,500 |
| Gas line installation | $300–$900 |
| Replumb a 2,000 sq ft home | $2,500–$16,000 |
| Replace water main | $850–$2,500 |
| Burst pipe repair | $250–$1,000 |
| Pipe leak repair | $250–$900 |
| Toilet repair | $200–$450 |
| Sewer line replacement | $1,300–$5,100 |
Common Plumbing Problems
We can help you avoid common plumbing problems by connecting you with a licensed contractor dripping with knowledge. Here are some of the common issues that impact your plumbing system they can guide you through:
- Clogged drains and pipes: Drains and pipes become clogged with debris over time and require routine cleaning to avoid larger problems. Multiple clogs could indicate sewer line issues, which require a professional to locate and diagnose.
- Leaking pipes and fixtures: Damage at the pipe joints, corrosion, cracked seals, and clogs can all cause leaks at your sinks and fixtures and/or within the piping system. A professional can determine whether a repair or replacement is needed to resolve the issue.
- Broken pipes: A particularly stubborn clog and weather-related freezes are the main causes of broken pipes. Older piping is also more susceptible to damage.
- Low water pressure: Often a symptom of a bigger plumbing issue, such as pipe corrosion, drain or sewer clogs, cracked sewer lines, or water leaks, a plumber can help find ways to improve your water pressure.
- Water heater issues: A plumbing issue can cause your water heater to stop warming water, distribute rusty water, or reduce water pressure. In these instances, it’s best to call a plumbing professional instead of an electrician or water heater contractor.
- Sump pump failure: The most common causes of sump pump failure are clogged piping, improper sump pump installation, and excessive amounts of water after a storm. Systems older than 10 years are more susceptible to failure.
Factors to Consider Before Updating Plumbing
Understanding all the cost factors and requirements for residential plumbing systems can quickly become overwhelming. That’s why we only partner with plumbing companies and contractors who know the ins and outs of your bathtubs, faucets, toilets, and more.
Here are some aspects they’ll flush out with you before starting an installation or repair:
Pipe Material
The type of pipes you choose for your project depends on its purpose and application, such as whether it’ll be used to supply water or gas, or as a vent. Ensure you select the right piping material for your project needs (our network of experienced plumbers has the know-how you need to help make this decision).
Copper, PEX, and CPVC are the most common types of plumbing pipes, and there are pros and cons to each material. For example, PEX piping is often more affordable and easier to install, but copper piping lasts longer. PVC pipes are used for cold water applications only.
Permitting and Code Requirements
Most larger plumbing jobs, like replacing a water heater or installing a gas line, require a permit. Smaller jobs like repairing a toilet or adding a garbage disposal typically do not require a permit to get started. Check with your local building department or hired contractor to see if a permit is necessary for your project.
In addition, you may want to conduct an inspection to ensure your work is up to code. Not only can our reputable plumbers help you determine whether you need to pull a permit before starting any upgrades or repairs, they can also help ensure the work is done according to local building requirements.
Plumber Expertise
The more experience your plumber has, the higher their labor rate. Licensing for plumbers is based on experience level, ranging from apprentice to journeyman to master plumber. Though these levels and requirements can change depending on the state, contractors generally must pass an exam and complete a certain number of professional training hours to advance through the ranks.
Consider your project’s complexity and budget when hiring a plumbing contractor. Consider leveraging Renovate’s network of experienced professionals to locate the right plumber for your needs.
Benefits of Plumbing Financing with Renovate
Renovate helps turn pipe dreams into realities by finding plumbers that offer financing near you. Here are some additional benefits of requesting preapproval for plumbing loans with Renovate:
No Additional Costs
It’s free to use our financing request form and connect to reputable contractors. From spouts to pressure hoses, we’ll link you up with best-in-class plumbers who offer flexible payment plans that meet your budget and project size.
Competitive Loan Rates
Renovate strives to connect homeowners with varying credit profiles to reputable, pre-screened plumbers and direct financing options. Our large, inclusive lender network taps into more opportunities for plumber financing, so you can get started on repairs quickly.
Faster Funding and Approval
With Renovate, you may get a pre-qualification offer in minutes. Submit your request using our online form, and we’ll connect you with contractors who offer plumbers financing that makes upgrading your system quick and easy.
