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Drywall Financing

Request to prequalify for drywall financing through a local contractor in our network.
Drywall Financing
Refresh, repair, or renovate drywalls with professional installation, patching, and finishing. Renovate tries to connect you with drywall contractors in your area who may offer flexible and affordable drywall financing.
Ready to update your home’s walls without breaking the bank? Get started today!

How to Request Financing for Your Drywall Project

Step 1
Fill out our simple online request form by providing your personal, financial, and project details.
Step 1
Step 2
We will route your request. You may see preliminary results on your screen in a few minutes.
Step 2
Step 3
If connected, you may be prequalified for financing your drywall project.
Step 3
Step 4
If approved, you can start work with your contractor and repay your drywall installation loan in flexible installments.
Step 4

What Is Drywall Financing?

Drywall financing is a manageable way to pay for the installation or repair of drywall through monthly installments. In other words, it’s a home improvement loan that you can use to cover the costs of your wall renovation project without paying the lump sum upfront. This type of financing may also be referred to as a drywall installation loan or drywall repair financing. The loan amount and terms depend on your lender’s requirements.
What is a Drywall Loan?

Types of Drywall Projects

Contractors in our network may offer financing for various types of drywall. An experienced contractor can advise you on the best kind to use for your home. Here are the most common types of drywall:

  • Regular Drywall: Often called white board, this is the standard gypsum board used on most interior walls and ceilings. It is typically ½ inch thick and available in 4’ x 8’ sheets, with lengths up to 16’ for high ceilings. Regular drywall provides basic fire resistance and a smooth surface for finishing.
  • Mold-Resistant Drywall: This type features a thicker paper backing coated with wax and, in some cases, a non-organic fiberglass mesh to inhibit mold growth. It is ideal for moist environments, such as bathrooms, kitchens, and laundry rooms.
  • Plasterboard: Also known as blue board, plasterboard serves as a base for a veneer plaster finish. Its absorptive face allows thin coats of plaster to bond securely, mimicking traditional lath-and-plaster walls in historic restorations or high-end applications.
  • Soundproof Drywall: To achieve a higher Sound Transmission Class (STC), soundproof drywall incorporates extra gypsum, wood fibers, and polymers. This offers superior acoustic insulation for shared walls or media rooms. However, installation can be challenging due to its increased density.

What Is the Cost of Drywall Installation and Repair?

The average cost of drywall installation is between $1.50 and $3.50 per square foot. For a 12-foot by 12-foot bedroom, this amounts to approximately $580 to $1,800. This price typically covers materials and labor for hanging, mudding, and finishing the walls.

The price for your drywall installation depends on several factors, including the size of the area, the complexity of the job, and your location. The table below shows the average cost of drywall installation depending on common room sizes:

Room Size Average Cost
5’ x 8’ Bathroom $350–$800
12’ x 12’ Bedroom $550–$1,400
12’ x 20’ Bedroom $850–$2,100
16’ x 20’ Living Room $850–$2,500
20’ x 20’ Living Room $1,000–$3,000
1,000 sq. ft. Basement $1,500–$6,000
1,500 sq. ft. House $5,000–$21,000
2,000 sq. ft. House $8,000–$25,000
3,000 sq. ft. House $10,000–$35,000

Labor and material costs can also vary from state to state. Here are the average costs of drywall installation in a few states:

State Average Cost
Ohio $1,200–$1,600
Alabama $1,400–$1,800
North Carolina $1,400–$1,800
Texas $1,400–$1,800
Florida $1,500–$1,900
California $1,600–$2,000
Pennsylvania $2,100–$2,500
New York $2,100–$2,500

Common Drywall Problems

While drywall is a cost-effective and versatile interior wall solution, it can exhibit various issues over time. These problems can detract from your home’s appearance and signal underlying structural or environmental issues. Renovate’s reputable contractors can advise on the best methods to avoid these issues after the completion of your project.

Here are some of the common drywall problems homeowners face:

  • Cracks in the Walls: Hairline to wider cracks often appear at seams or corners due to natural settling, temperature swings, or insufficient jointing compound application. To repair these, you typically need to clean the joint, apply mesh tape, and spread multiple thin coats of compound.
  • Holes and Dents: Everyday activities, such as moving furniture, door knobs striking walls, or accidental bumps, can leave unsightly holes in drywall surfaces. Over time, these imperfections can collect dust and moisture, leading to larger weak points or even small tears in the panels.
  • Water Damage and Mold: Moisture from leaks or high humidity can soften gypsum cores. It also causes discoloration and warping and fosters mold growth. A reputable contractor mitigates this by installing moisture-resistant boards in vulnerable areas and ensuring proper sealing and ventilation to keep walls dry.
  • Popped Fasteners: Nail or screw pops occur when wood framing shrinks or expands, forcing fasteners out of the gypsum and leaving visible bumps or cracks on the finished surface. These protrusions often appear a year or more after installation, signaling inadequate fastener depth or spacing during hanging.
  • Sagging or Bowing Panels: Drywall ceilings or walls can sag when panels are unsupported or exposed to prolonged moisture. This can lead to drooping sections that compromise structural safety. A professional contractor will use the correct board length, adequate screw spacing, and moisture-resistant materials to ensure flat, secure surfaces that last for years to come.

Factors to Consider Before Starting Your Drywall Project

To make sure your drywall project runs smoothly, take into account the following factors before you start:

Project Scope and Budget

Project Scope and Budget

Determine how large your drywall project will be and set a realistic budget. The bigger the project, the higher the cost, so understanding the scope helps you prepare financially. Working with a professional contractor to get an estimate will help you have a clear idea of the expected expense.

Also, consider adding a small financial cushion for unexpected expenses. Sometimes, opening up a wall reveals hidden damage that needs to be fixed. Plan your budget so that you can confidently cover all expected and unexpected project costs.

Timeline and Preparation

Timeline and Preparation

Plan for how long the project will take and prepare your home accordingly. Since joint compound needs to dry between coats, installing and finishing drywall can take several days to over a week. During this process, expect dust and disruption. Move or cover furniture in the work zone, and use plastic sheeting to confine dust to that area.

If your drywall project includes multiple rooms, plan to limit the use of those spaces until the work is done and the dust has settled. Coordinate with your contractor to determine the schedule so you know what to expect each day.

Materials and Finish Quality

Materials and Finish Quality

Work closely with your contractor to select the appropriate type of drywall and finish for your specific needs. Standard drywall panels are suitable for most spaces, but areas with high moisture levels may require moisture-resistant boards. Garages or ceilings may require fire-rated drywall, as per code.

Also, consider the finish level you want. A basic tape-and-sand job might be fine for a utility area, while a central living space will benefit from a smooth finish ready for paint. High-grade materials or more detailed finishing can increase the cost, but drywall financing lets you afford those better-quality results by spreading the expense over time.

DIY vs. Professional Installation

DIY vs. Professional Installation

Decide whether to tackle some drywall work yourself or hire a professional. Minor repairs, such as filling a tiny hole or a hairline crack, can often be handled as DIY tasks with basic tools and patch kits. Larger projects — hanging full drywall sheets, taping and mudding seams, or sanding for a flawless finish — are better left to professionals.

Keep in mind that fixing mistakes in drywall installation can be costly. Renovate offers access to experienced and licensed contractors who offer top-notch expertise for any type of drywall project.

Benefits of Drywall Financing with Renovate

Renovate streamlines the process of exploring financing for your drywall project. Many customers choose us because of the benefits we offer, including:

No Additional Costs

No Additional Costs

Using our service is free of charge. You can review an offer at no cost and with no obligation to accept. If you’re approved for drywall financing, your lender will communicate the associated costs and fees in the loan agreement.

Wide Lender Network

Wide Lender Network

Renovate partners only with reputable lenders across the country. We aim to connect homeowners with various credit profiles to financing options. Our extensive lender network can help you break down your drywall renovation costs into affordable payments.

Fast Funding and Approval

Fast Funding and Approval

With Renovate, exploring your drywall financing options is quick and easy. There’s no long waiting period before you and your contractor can begin work on your walls.

Apply for a Loan

Apply for Your Drywall Loan Now

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Drywall Financing FAQ

For most standard projects, professional drywall installation costs between $580 and $1,800. However, this estimate can fluctuate depending on the project size, materials, and local costs.

Yes, it’s common to finance a drywall repair and the subsequent painting as one combined project. For more specialized painting projects, you can also request exterior house painting financing separately.

The cost of drywall installation and repair is influenced by several interrelated elements, most notably:

  • Project size and complexity
  • Local labor market
  • Material costs
  • Site preparation
  • Geographical location

Consumers with all credit types are welcome to submit a drywall financing request. When reviewing your request, some lenders may take into account your current income and employment history. Keep in mind that every lender will perform at least a soft credit check. While terms and conditions are subject to the lender, drywall financing for those with a lower credit score may incur higher interest rates.

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