HomeExterior House Painting

Exterior Painting Financing

Finance your exterior painting project with competitive loan options from trusted contractors in our network.
Exterior Painting Financing
Ready to add some color to your world? Renovate will try to connect you with contractors offering flexible exterior painting financing solutions.
Explore house painting financing options near you.

How to Get Financing for Painting Your House

Step 1
Fill out the form with your personal details, financial information, and painting needs.
Step 1
Step 2
We’ll review your request in real-time and present a pre-qualified offer, if available.
Step 2
Step 3
Select an offer with terms that fit your budget and complete the paint job financing application.
Step 3
Step 4
If approved, the contractor can start working on the project immediately while you repay the loan in installments.
Step 4

What Is Exterior House Painting Financing?

Exterior paint financing allows homeowners to repaint their home’s exterior without a high upfront cost. Painting loans can cover expenses such as paint, labor, and surface preparation, so you can brush up your curb appeal and pay for your project over time.

Renovate partners with skilled contractors who provide flexible and affordable financing options for your project. Loan rates, amounts, and terms vary depending on your credit profile and the contractor offering financing.

For example, if your house painting project costs $7,000 at an APR of 8% over 36 months, you would pay about $219 per month. Your total cost to repay the loan would be around $7,884.

What is a Exterior House Painting Loan?

Types of Exterior House Painting

Our network of professional contractors specializes in applying various types of exterior paint that suit your home’s needs and climate. Here are the most common types of paints you can use on your home:

  • Oil-based paints: These paints are durable and adhere well to surfaces, so they’re particularly effective in regions with extreme weather conditions. Oil paints have a smooth, glossy finish, making them a great option for exterior trim and doors.
  • Latex paints: Eco-conscious homeowners often opt for latex due to its water-based formula and quick-drying properties. It is a practical choice for modern homes in moderate climates because it prevents cracks from temperature changes.
  • Acrylic paints: If you are drawn to vibrant colors, acrylic paint is versatile and known for retaining its hue over time. The paint is UV-resistant, so it is well-suited for homes in sunny areas whose exterior is prone to fading and discoloration.
  • Epoxy paints: With a tough, durable finish, epoxy holds up against weather, chemicals, and environmental damage. This type of paint is ideal for garage exteriors, utility buildings, or any high-traffic areas susceptible to heavy wear and tear.

How Much Does Exterior House Painting Cost?

Painting the exterior of a two-story, 2,500-square-foot home will cost $3,750 to $10,000, or about $2.40 to $4.50 per square foot. Professional exterior painting costs depend on the size of the home, paint type, and your local labor costs. Homes with three stories can exceed $12,000.

You should also budget for additional costs associated with painting projects, such as preparation work required and whether you decide to revive the trim, doors, gutters, and soffits at the same time.

Cost Estimates by Home Size

Home SizeCost Estimate
1,000 sq. ft.$1,500–$3,500
1,500 sq. ft.$2,250–$5,800
2,000 sq. ft.$3,000–$7,700
2,500 sq. ft$2,750–$10,000

Cost Estimates by Paint Type

Paint TypeCost Per GallonCoverage Per GallonEstimated Cost for 2,500 sq. ft. Home
Oil-based$30–$70350–400 sq. ft.$4,500–$6,000
Latex$20–$60250–350 sq. ft.$4,080–$5,000
Acrylic$30–$80300–400 sq. ft.$4,300–$5,500
Epoxy$50–$120300–400 sq. ft.$5,000–$7,000

Common Painting Problems

Over time, your home’s curb appeal will fade and discolor, warranting a refresh. Here are some of the common painting problems Renovate’s exterior painting professionals can help fix for you:

  • Fading due to sun exposure: UV rays can cause colors to lose vibrancy over time, especially if the home is covered in lower-quality paints or it was improperly applied.
  • Chipping caused by weather or poor surface prep: If the surface isn’t cleaned, sanded, or primed, the pain can chip (and flake) sooner as it is continually exposed to temperature fluctuations, rain, or high winds.
  • Peeling from moisture infiltration: Moisture that gets trapped under the paint can cause it to peel and bubble. Worn gutter systems and cracks in the surface can allow water to seep under the paint and should be addressed before applying a new coat.
  • Toxins from certain paint types: Paints with certain pigments or older brands with higher levels of volatile organic compounds (VOCs) can be toxic. Newer paints, as well as low-VOC or eco-friendly brands, can help reduce this exposure.
  • Cracking due to aging or improper application: Over time, improperly applied or aged paint can crack. If not treated, this can lead to peeling and water damage.
  • Streaking or uneven coverage: Poor paint application can result in streaks or inconsistent finishes. Your painting contractor may use a sprayer to apply an even coat on the walls and large rollers or brushes for the edges.

Factors to Consider Before Starting Your Exterior Painting Project

Painting your home’s exterior involves more than selecting a color. Here are some important considerations our reputable contractors may walk you through, so you can make the most of your exterior painting project:

Paint Type and Finish

Paint Type and Finish

The type of paint and finish you choose impacts both durability and appearance. Oil-based paints withstand weathering, making them a good choice for harsh climates, while latex paints dry quickly and are environmentally friendly. If you’re after a subtle look, consider a matte finish, or use a satin or gloss finish if you want a shinier look that’s easier to clean. Consult with your painting contractor for suggestions on the best type of material for your home.

Painting Add-ons

Painting Add-ons

Painting your home includes more than just the siding. Addressing features like trim, doors, gutters, and soffits will help achieve a more cohesive refresh — they also require special attention. For example, you may need to opt for different materials and finishes to coat trim, gutters, and doors with something that will last. When discussing the project with your painting contractor, be sure to ask about the costs of common exterior house painting add-ons.

Condition of Existing Siding

Condition of Existing Siding

Cracked, aged, or damaged siding may need repairs, sanding, or priming before adding a new coat of paint. Ignoring these steps can lead to peeling or uneven application, and you may have to touch up the exterior sooner than planned. Our network of seasoned contractors can help identify areas that need extra attention and address them to ensure your paint lasts for years to come.

Surface Preparation

Surface Preparation

A well-prepared surface is the foundation of a lasting paint job. In some cases, your painting pro will need to remove windows and pressure wash the exterior to remove dirt and grime before starting a project.

Other prep work includes scraping off old paint and sealing cracks and gaps with caulk. If your home is more than one-story, the contractor may also need to rent lifts to access higher surfaces. Renovate’s experienced contractors can walk you through some of the prep work required to ensure the paint adheres well and prevents peeling.

Climate and Timing

Climate and Timing

The weather and time of year you choose to paint your house can impact its success. Paint adheres and dries differently in high-humidity climates and extreme temperatures, for example. Many painting professionals consider early summer to early fall the best time of year to paint a house. The contractors in our network have years of experience painting homes and can recommend a schedule that suits your region’s climate.

Benefits of Exterior House Painting Financing with Renovate

Renovate simplifies the process of finding financing options for your exterior painting project. Here are some additional benefits of using Renovate to connect with a qualified contractor:

No Additional Costs

No Additional Costs

It’s free to use our financing request form and connect with professional contractors who may exterior painting financing solutions. Renovate strives to match you with experienced painters who offer flexible payment plans so you can start your project without a large upfront cost.

Competitive Loan Rates

Competitive Loan Rates

Our network of lenders offers competitive interest rates, flexible loan amounts, and repayment terms designed to meet various budgets. With Renovate, you’ll find inclusive financing solutions that make adding a splash of color to your home more affordable.

Fast Funding and Approval

Fast Funding and Approval

With Renovate, you may receive pre-qualified offers in minutes. Our streamlined online request form helps you connect with contractors offering painting financing, allowing your project to begin without unnecessary delays.

Apply for a Loan

Apply for a Exterior House Painting Loan

Check Other Home Renovation Loan Options

Exterior House Painting Financing FAQ

Exterior house painting financing allows you to break up the total cost of your painting project into manageable monthly payments. Financing options include working with a private company offering financing, taking out a loan, or using a credit card. For private financing, you’ll submit a request and then receive prequalified offers if approved. The contractor will begin the work once the loan is finalized while you repay the loan in installments.

Monthly payments for exterior painting financing vary depending on the loan amount, interest rate, and repayment term. Typically, the lowest payments are given to applicants with excellent credit. The terms of your loan and the payment amounts will depend on your creditworthiness.

A competitive interest rate for house painting loans typically falls between 6% and 15%. This depends on the borrower’s creditworthiness, the lender, and the terms.

A high credit score is not required to qualify for house painting financing. Many lenders work with homeowners with varying credit profiles, but the terms and eligibility will differ according to factors such as income, employment, and banking history.

Repayment periods usually range from two to 15 years, depending on the lender and the amount borrowed.

Painting the exterior of the home is generally not considered a capital improvement unless the painting project is part of a larger home renovation that is considered a capital improvement. For example, if the painting is part of a restoration, it may be considered a capital improvement.

The cost of house painting reflects several factors, including labor, paint quality, surface preparation, and the size of your home. Extensive prep work, like repairing siding or priming surfaces, can increase expenses.

Dive Deeper Into Exterior House Painting Financing

How to Implement the 30% Rule in Home Renovation

August 22, 2024
10 minutes to read

What Happens if You Remodel a Home Without a Permit? 

October 9, 2024
14 minutes to read

Finance a Home Renovation

July 15, 2024
16 minutes to read
   
Renovate.com is a financial service technology provider specializing in connecting merchants and consumers with our network of independent lenders and contractors. While we host an application process on our platform, we are not a lender and do not make credit decisions. Our role is to facilitate the connection between consumers and potential lenders. This platform does not constitute a solicitation by Renovate.com to offer loans; all loan solicitations, terms, and conditions are provided by our independent lending partners.
The content provided on this Site is for informational purposes only and should not be construed as legal, business, financial, or commercial advice. You should conduct your own research and consult with professionals where appropriate before taking any actions. You assume responsibility for evaluating the merits and risks associated with the use of any information or other content on the Site before making any decisions based on such information or other content.
Advertiser Disclosure

The offers that appear on Renovate.com are from companies from which Renovate.com receives compensation. This compensation may impact how and where (including the order in which) offers are presented to consumers. Renovate.com does not make loan offers but instead pairs potential borrowers with lenders and lending partners. We are not a lender, do not make credit decisions, broker loans, or make short-term cash loans. We also do not charge fees to potential borrowers for our services and do not represent or endorse any particular participating lender or lending partner, service, or product. Submitting a request allows us to refer you to third-party lenders and lending partners and does not constitute approval for a loan. What you may be presented is not inclusive of all lenders/loan products and not all lenders will be able to make you an offer for a loan.