Does Bath Fitters Offer Financing? All You Need to Know

Yes, Bath Fitters offer to finance for fitting a complete system in the bathroom. The interest rate for the initial two years amounts to 0%. However, a certain interest cost is payable on the balance outstanding after this.

It’s important to note that customized designs and features are installed for the different bathrooms. Hence, the price is different for each fitting. However, the system of payment schedule remains the same for all the credit customers.

Further, the cost of installation averages between $1200 and $9,500. The bath fittings with $1200 are basic and do not contain sophisticated designs and features. On the other hand, Bath Fitters with the price of $9,500 contains all the sophisticated features and technical design.

Another financing option available for Bath Fitter buyers is SNAP financing. In this type of financing, the repayment is spread over the next twelve months in a row. It’s a non-traditional way of financing where a good credit score is not a basic requirement for approval. Following is the process for snap financing.

  1. Making an application for the snap financing. The processing fee is also payable at this stage of application.
  2. You can opt for a flexible payment schedule depending on the availability of funds in your life. An alternate payment method can be paying 12 equal installments in the next 12 months.
  3. The application is approved at this stage of the application.
  4. After approval, you can shop using the snap financing facility.
  5. Once you shop from any other shop or Bath Fitters, the amount is deducted from the checking account linked with your snap financing account.
  6. There is no early payouts penalty for the liability. It means if you have arranged funds and want to pay back earlier than the set schedule, there are no related penalties for the same.

Why is snap financing better?

Snap financing is a quick, flexible, and friendly solution for payment processing. The company offers quick approvals at a reasonable rate and interest cost. Further, the customer support for snap financing is professional and supportive.

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The Snap financing company was founded in the year 2006 and provides financing in the United States and Canada. The company has facilitated transactions of more than one billion.

Characteristics of Snap financing

  1. The process offered by this financing facility is secured and confidential in nature.
  2. Payments can be made monthly and depending on your needs.
  3. The interest cost is basic. Further, it gives you various options for making payments.
  4. The rate of approval is higher for the application. It’s because a higher credit score is not required for approval. So, 90% of the applications qualify for approval.
  5. There are various financing options available under snap financing.
  6. There is no hidden cost to finance the purchase.

2- Personal loan

It’s a traditional source of financing. In a personal loan, the fitting bath company does not have any affiliation in the process. Personal loans can be raised from banks, credit unions, and online lenders. The borrowed money needs to be repaid within the time specified in the loan contract.

Generally, collateral is not required for a personal loan. So, approval of the loan is dependent on the strength of a credit score. If the credit score is higher, there are higher chances of loan approval. On the other hand, if the credit score is lower, the chances of credit approval decrease. In this case, a secure loan can be a good option.

3- Credit card purchase

Credit cards from the bank can be used to finance Bath Fitters. However, credit card companies usually charge higher interest costs. But, it’s a good idea to find some promotional cards that do not charge interest. Although, it may not be a viable option all the time.

Further, payment and other details for the credit card are reported to the bureaus. So, if you do not make payment on time, it can lead to adverse impacts on your credit score. It means a decision to purchase Bath Fitter with a credit card should be taken with due consideration.

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The cost of installing a new Bath Fitter and replacing it with the old one

The cost of replacing Bath Fitters is generally less than installing a new one. The cost of replacing the tub depends on the tub material’s quality. So, the price of a tub material can vary from $300 to $2,000.

Further, it’s important to note that basic tub installation is mostly recommended. It’s because it can be difficult to clean and maintain sophisticated marble tubs.

Hence, it’s recommended to purchase basic tubs that can be maintained and kept clean. Further, expensive and sophisticated marble tubs are exposed to scratches. Likewise, the weight of the marble tub is heavier. Hence, it’s advisable to use a basic tub.

Impact on a credit score for Bath Fitter financing

Snap financing company does not directly report to the credit bureau. So, there is no impact. However, if you have paid installments on time, you can report. It should lead to an increase in the credit score. Further, the lender of the snap financing does not check your credit score. Hence, there is no impact.

On the other hand, If you have opted for a personal loan, the lender will check your credit score. Hence, it has a negative impact on the credit score. Similarly, the payment for the interest has principal is reported to the credit bureaus. Likewise, if you enter credit card financing, it directly impacts your credit score.


Bath Fitters offer to finance for a complete system financing. In the initial two years, no interest is charged on the balance on this financing. However, if payment timing exceeds 24 months, the interest cost becomes payable. Other modes of financing include snap financing, personal loan, and credit card financing.

There has been increasing use of snap financing in Canada and the United States. The company has executed deals for the billions and streamlined purchase financing.

The registration with the snap financing needs to be done before purchasing. Further, a certain fee is payable for the registration, but there is no requirement for a higher credit score.

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Bath Fitters financing can also be made with personal loan and credit card companies. Personal loans are traditional finance sources. Generally, these loans are unsecured and require a strong credit score.

Likewise, financing for Bath Fitters can also be done with a credit card. The interest cost charged by credit card companies is usually higher. However, promotional offers can be used to raise finance with the credit card at zero interest cost.

Frequently asked questions

What is the cost of installation for a Bath Fitter?

Most of the time, the bath fitting companies provide services for fitting by visiting your place. These companies usually include fitting charges in the product price. So, the buyer does not have to incur the labor cost for fitting. Further, it’s important to note that manufacturing companies do not charge visiting fees. Likewise, they do not force to put undue pressure to buy additional products.

It’s because a complete package is provided for the fitting and installation. Although, fitting aspects can be different for the bath installations.

How much time does it take to install a Bath Fitter?

Usually, it takes around one day to install the Bath Fitters. 

What is the cost to refit the bathtub?

On average, the cost of refitting amounts to $480 per installation. And the typical range of the installation is between $335 and $629. The difference in cost is mainly on account of the material quality and size of the bathroom.

What is the cost of a tub for a Bath Fitter?

The cost of a bathtub varies between $800 and $3,500. The cost of fitting depends on the size of the bathroom and other aspects. If the condition of your bathroom is good, the fitting can be done with a lower amount. However, if there is a need to install valves and modify the structure, the cost may increase.