We offer financing up to $150,000 through our partners at Nelnet Bank.
You can pre-qualify for a loan and only pay interest on what you use.
1Fill out this short form online to see your offers. It only takes a few minutes and won’t affect your credit score.
2Choose the home remodel loan amount and monthly payment that fits your budget. You’re in control the whole way.
3Once you’re ready, sign the documents and your funds are available. Use them for your down payment, mid-project work, or final invoice—it’s totally flexible.
4Go with low monthly payments or pay it off early and avoid interest altogether. It’s your remodel, your pace.
Buildertrend Financing powered by Nelnet Bank gives you options that fit your timeline and your budget.
*Loans offered through Nelnet Bank. Subject to credit approval and terms. See full disclosure.
Borrow up to $150,000 and only pay interest on what you use.
See your offers in minutes.
Fast, straightforward approvals.
Low monthly payment plans from 5–15 years.
Pay in full within 6 months and pay no interest.
Apply now, use it only if you need it.
6 mo. No Interest or Monthly Payments
Enjoy the flexibility of arranging payments anytime within 6 months of receiving the loan. Interest accrues at 24.99% APR, but is waived if paid in full within 180 days.*
Apply Now
Starting at 7.49%
Break your project up into manageable monthly payments with no prepayment penalty. No down payment required. Available with the full range of 7.49%-11.99% APR.*
Apply Now*Loans offered through Nelnet Bank. Subject to credit approval and terms. See full disclosure.
Buildertrend Financing, powered by Nelnet Bank, allows you to apply in minutes and see your options with no credit hit. It’s a smart, no-pressure way to keep your remodel moving and your budget flexible.
No. The prequalification uses a soft pull and won’t impact your score.
There’s no fee or penalty. You can apply, reserve funds, and only use them if needed.
Yes—some clients use it for cabinetry, others for contingency.
Written by: Paul McManus
Paul is owner and President of McManus Kitchen and Bath Remodeling in Tallahassee, FL. He also speaks regularly on remodeling best practices at conferences across the country and Co-hosts the Design Build Remodel Podcast.
For many of our Tallahassee clients, a home remodel loan is what helps them move forward confidently—without scaling back their plans or dipping into emergency savings. So what exactly is it, and how does it work?
Let’s break it down.
A home remodel loan gives you flexible access to money for your renovation. But unlike refinancing or home equity loans, some options (like the Buildertrend Financing we offer) are unsecured—meaning you don’t need to use your home as collateral.
You can get prequalified in minutes with no hard credit check. And if you’re approved, you only pay interest on what you use.
Think of it more like a line of credit that sits in your back pocket: available when you need it, but with no pressure to use it all.
We don’t recommend remodeling if you’re moving in the next couple years. A quality remodel is an investment—one that pays off when you plan to stay.
If you’re planning to stay put, a home remodel loan can help you:
And with some loan options, you can even take advantage of interest-free “Same As Cash” offers—as long as you repay the balance within a set time.
We’ve partnered with Buildertrend Financing, powered by Nelnet Bank, because it’s designed specifically for remodels. That means:
No hard credit check to view your offers
No appraisals or liens on your home
Fast, flexible approval
Use funds for any stage of the project
You’ll see your offers right away, and if it’s not a fit? No problem. There’s no obligation to move forward.
Remodeling your kitchen or bathroom isn’t just a cosmetic upgrade—it’s about making your home work better for how you live now. With the right loan in place, you don’t have to compromise on layout, function, or finish quality.
You can start with the right design, the right team, and the right timeline—knowing you have options to make it work.
McManus Kitchen and Bath is a full service remodeling company with an in-house design team and showroom right here in Tallahassee, FL.
We work exclusively with homeowners to help them remodel their home using a design-build approach that saves time, avoids confusion and creates better results.
*Loans offered through Nelnet Bank. Subject to credit approval and terms. See full disclosure.
Our remodeling estimates aren't guesses or "good starting points." They're based on real material numbers and historic costs, and include a design consult in our showroom.
This is the right way to start: with a realistic budget and a clear remodeling plan.
If you're struggling with an outdated kitchen or bathroom, schedule a call with the owner, Paul McManus, to discuss options and see if we can help.