Financing a home improvement project doesn’t have to be complicated. But you do need to do your research.

The greatest mystery behind the home renovations on HGTV and Instagram isn’t the paint color or the sofa brand. Instead, it’s that all-important question: How are they paying for all that?

Many influencers and TV stars can lean on brand sponsorships to cover the cost of their new kitchen. But, of course, that’s not an option for most people.

So we’ve rounded up a few different ways you can bankroll the renovation of your dreams.

Pay for renovations in cash.

If you can’t get a cushy brand sponsorship, this is the next best thing. Make a plan, save your money, and pay in cash. Paying in cash means no interest payments or confusing loan paperwork. It also comes with the immense satisfaction of writing a hefty check and being done with it.

But saving up that much cash can take time. Some repairs can’t wait. And sometimes, you don’t want to wait. In that case, cash may not be the right choice.

Another thing to consider: If paying cash will deplete your emergency fund, don’t do it. The world’s most beautiful kitchen will not rescue you in a time of crisis. Make sure you’ll still have enough money to cover an emergency before you consider paying in cash.

Take out a Home Equity Line of Credit (HELOC)

You can borrow money against the equity you have on your home with pretty low-interest rates. You usually need at least 20% equity in the home before you qualify for a cash-out refinance, but this can be a great option.

Keep in mind that there are usually some of the associated fees, such as appraisals.

Apply for a Home Improvement Program (HIP) Loan.

Some local governments in the United States offer Home Improvement Program (HIP) loans at very low-interest rates.

There are some limitations on what types of remodeling projects qualify and how much money one can borrow. Do some research and make sure you understand all the loan terms.

But if you qualify, it’s tough to beat the interest rates of a HIP loan.

Get a loan from your bank.

Interest rates on small personal loans can be pretty high, so tread carefully.

Talk to a banker, explore your options, and don’t be afraid to shop around. Banks will have different offerings, so you may consider building a relationship somewhere new. As always, do your research, read the fine print, and make sure you understand the loan terms.

And, of course, have a plan for paying it off, so you don’t get hit with massive interest rates.

Use a credit card.

A credit card is always an option but do proceed with caution. Do your research carefully and read every word of the fine print. Look around for credit cards that offer a few months of 0% APR.

Make a plan to pay it off as soon as possible, and stick to it. If you put it off and miss your window, the interest rates can be devastatingly high. Don’t take this route if you have any concerns about paying off a credit card on time.

A credit card can be an option, but only with extensive research and an airtight plan.

When it comes to paying for home renovations, you have many options. Take the time to do your research and get clear on what you can afford to finance a home improvement project.