0% APR options available
Financing your bathroom the smart way.
We partner with Enhancify and GreenSky to offer 0% deferred interest, 24-month fixed, and up to 12-year term loans. Soft pull only for pre-qualification.
Get Your Free Bathroom Estimate
On-site quote, firm number, no high-pressure sales. Response within 1 business day.
Licensed & Insured
Nassau County & Suffolk
NKBA Certified
Certified Bath Designer
4.9 / 5.0
163+ reviews
640+ Bathrooms
Since 2012
Program options
Five programs. Match yours.
Rates and terms shown are illustrative. Actual rate depends on credit profile. Soft pull for pre-qualification doesn't affect your credit score.
6-Month Deferred Interest
0% APR
Best for: Quick projects under $15K
Pay-in-full within 6 months and pay zero interest. If you know you have a bonus, tax refund, or planned liquidity coming, this is the lowest-cost option.
12-Month Deferred Interest
0% APR
Best for: Most hall bath projects
Same structure, 12 months to pay in full. Ideal for mid-size projects where you want to spread cash flow over a year without interest cost.
24-Month Fixed
~8.99% APR
Best for: Master bath + shower projects
Fixed monthly payment, no prepayment penalty. Predictable for budgeting.
7-Year Fixed
~12.99% APR
Best for: Large master + ADA projects
Longer terms reduce monthly payments. Still no prepayment penalty — pay off early with any extra cash.
12-Year Fixed
~14.99% APR
Best for: Full gut + multi-bathroom
The lowest monthly payment option. Best for homeowners balancing multiple priorities.
How it works
Pre-qualify in 60 seconds. Fund same day.
Request your estimate
Tell us about your project. We'll schedule an on-site walk and send a firm itemized quote within 48 hours.
Soft-pull pre-qualification
After you accept the quote, we run a soft pull with Enhancify or GreenSky — no impact on your credit score. Takes under 2 minutes.
Pick your program
See 3–5 pre-approved offers with monthly payment shown. Pick the one that fits your budget. Hard pull only if you proceed.
Fund and schedule
Loan funds hit within 1–2 days. We start your bathroom as soon as permit clears.
Fine print.
Soft pull for pre-qualification does not affect your credit score.
All lending decisions made by Enhancify and GreenSky, not Island Bath Studio.
Interest rates vary by creditworthiness. Rates shown are illustrative only.
No prepayment penalties on any program.
Loans are unsecured — no lien on your home.
Ready when you are
Let's start your bathroom.
Free on-site estimate. Firm quote within 48 hours. No high pressure, ever.
640+
Bathrooms Completed
4.9★
163 Google Reviews
1 day
Callback Window
Get Your Free Bathroom Estimate
On-site quote, firm number, no high-pressure sales. Response within 1 business day.