Financing Options for Whole-Home Filtration Systems

Basic point-of-use filter costs rarely need financing, but whole-home systems may warrant financing consideration.

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Key Takeaways
  • Point-of-use filters rarely need financing given their low cost.
  • Financing becomes relevant primarily for whole-home system installation.
  • Compare contractor financing against personal loan or credit options.
  • Starting with point-of-use filtration and scaling up later is a reasonable alternative to financing.

When Financing Becomes Relevant

Point-of-use filters are low-cost enough to rarely need financing; financing becomes relevant primarily for whole-home system installation.

Contractor and Manufacturer Financing

Many water treatment companies offer financing plans for whole-home systems — compare terms against general personal loan or credit options.

Editor’s Pick
ZeroWater 23-Cup Dispenser Ready-Pour 5-Stage Water Filter with 0 TDS Water Filter – IAPMO
ZeroWater 23-Cup Dispenser Ready-Pour 5-Stage Water Filter with 0 TDS Water Filter – IAPMO
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Starting Smaller and Scaling Up

If financing a whole-home system isn’t appealing, starting with point-of-use filtration and scaling to whole-home later (once budget allows) is a reasonable alternative approach.

PUR Plus Vertical Faucet Mount Water Filtration System, Lead-Reducing Filter, Great-Tastin
PUR Plus Vertical Faucet Mount Water Filtration System, Lead-Reducing Filter, Great-Tastin
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Running Cost Item
PUR CRF950Z Genuine Replacement Filter for Pitcher Water Filtration System (Pack of 2)
PUR CRF950Z Genuine Replacement Filter for Pitcher Water Filtration System (Pack of 2)

Replacement cartridges are the part of filtration people forget to budget for. Buying the 2-pack is the cheapest way to see your real per-year cost rather than just the sticker price of the pitcher.

2-packGenuine PUR cartridgeBudget line item
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Lowest Ongoing Cost
Brita Water Bottle Replacement Filters, BPA-Free, Replaces 1,800 Plastic Water Bottles a Y
Brita Water Bottle Replacement Filters, BPA-Free, Replaces 1,800 Plastic Water Bottles a Y

Bottle-style replacement filters are the least expensive recurring item in any of these setups, and the manufacturer framing, replacing roughly 1,800 single-use bottles a year, is the relevant cost comparison.

Replaces ~1,800 bottles/yrBPA-freeLowest per-use cost
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FAQ

Should I finance a whole-home system or start smaller?
Starting with point-of-use filtration and scaling to whole-home later, once budget allows, is a reasonable alternative if financing doesn’t appeal to you.

Important

Compare total financing costs against simply starting with point-of-use filtration and saving toward a whole-home system.

These statements have not been evaluated by the Food and Drug Administration. This information is not intended to diagnose, treat, cure, or prevent any disease. Content is for informational purposes only and is not medical advice; consult a qualified healthcare provider before starting any supplement. As an Amazon Associate we earn from qualifying purchases.

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