Financing
Build the shower you want. Pay over time.
Approved monthly payment plans through our partner lenders. Soft-pull pre-qualification, transparent terms, and no surprises at signing.
Why finance
The right assembly is the right investment.
A correctly built shower system lasts the life of your home. A poorly built one fails in five years and costs twice as much to remediate as it did to install. The difference in cost between a properly engineered system and a shortcut job is typically $4,000 to $10,000 on a primary-bath shower — the same range as one to two monthly car payments at a 36-month plan.
Financing exists so you can make the right call on the assembly without having to compromise on waterproofing, certified labor, or the tile finish you actually want. The system you install this year is the one you live with for the next twenty years. Pay for the right one over time rather than paying for the wrong one twice.
Our process is straightforward: you get a fixed, itemized proposal first so you know exactly what you are financing, then we send the application link after approval. No pressure, no commitment until you have seen the numbers.
Available plans
Financing options we offer.
Flexible monthly payment plans are available through our partner lenders. We don’t publish rates or terms here, because the numbers that matter are the ones the lender puts in front of you — those are based on your application, your project scope, and current lender programs.
Pre-qualification is a soft pull and won’t affect your credit. You’ll see your exact rate, term, and monthly payment before you commit to anything.
All plans subject to credit approval. This is not an offer of credit. Final terms and rates are set by the lender at the time of application.
Process
From estimate to first payment.
01
Get your quote
Book a consultation or use the online builder to configure your system. We produce a fixed, itemized scope so the financing application covers the exact project amount.
02
Receive the application link
After your proposal is signed, we send a secure application link to our partner lender. The initial check is a soft pull — no credit score impact to see your options.
03
Review & accept terms
The lender presents your approved plan options. You review the APR, monthly payment, and term before committing. A hard pull only happens at acceptance.
04
Build starts
Once financing is confirmed, your project schedule is locked and we begin. Monthly payments start per the lender schedule — we collect our draws on the construction timeline.
Estimate your payment
See what your project might cost per month.
Use our interactive payment estimator — adjust the project amount and term to see a monthly payment range before you even talk to us.
Open the Estimator →FAQ
Common questions.
Does applying for financing affect my credit score?
No — the initial application is a soft pull, which does not impact your credit score. A hard pull only occurs if you accept an offered plan. The lender discloses the terms and the impact before you commit.
What project sizes qualify for financing?
Most Luxive scopes qualify — walk-in showers, wet rooms, heated systems, full primary-bath builds, and luxury tile projects. Very small add-on projects below our minimum financing threshold are typically more efficient to pay directly. We flag this during the proposal stage.
Is there a prepayment penalty?
Most of our partner plans have no prepayment penalty. You can pay off the balance early without additional fees. Specific terms are disclosed by the lender at approval — we encourage you to review the payoff clause before signing.
Who is the lender?
We work with established home-improvement financing partners that specialize in residential remodel projects. We share the lender details when we send your application link after the proposal — the partner is matched to the project scope.
What we build
Ready to check your options?
Book a consultation. We’ll spec your system, build a fixed-scope proposal, and send the financing link — you’ll have a soft-pull pre-qual in minutes.
Estimates shown are example calculations only and are not an offer of credit. Actual rates, terms, and approval are determined by the lender at application.