You can pay for a bathroom repair with a home equity loan, a personal loan, a credit card, or even by refinancing your mortgage. The rates and terms of most personal loans are both set and variable. You can borrow against your home’s equity with a HELOC and pay much lower interest rates. Minor remodels can be paid for with credit cards, but at higher interest rates; larger projects can be paid for by refinancing your property and rolling the price of the redesign into your mortgage. Based on your finances and goals, weigh each choice.