"Can we finance this?" comes up in almost every conversation we have in the showroom, usually right after someone falls in love with a hardwood or LVP they hadn't originally budgeted for. The short answer is yes - we work with Synchrony to offer 0% APR financing on approved credit. The longer answer is what this post is actually about, because financing terms are one of those things nobody explains clearly until you're already signing something.
What the Financing Actually Covers
This isn't a materials-only promo where labor gets tacked on separately. When you finance through Synchrony with us, the approved amount covers your entire project as quoted - product, installation, and old-floor removal. Whether you're doing a full hardwood refinish-and-replace, a whole-house LVP job, or new carpet on the stairs and bedrooms, the number you're approved for is the number that gets applied to the job, start to finish.
How Approval Works
The application is short - basic personal and income information, submitted either online or right in the showroom on 9W - and most people get a decision in a matter of minutes. Once you're approved, that credit line is available to use against your project total. There's no obligation to finance the whole job either; some homeowners put part on a card, part on financing, and split the rest with a deposit. We'll walk you through the options during your estimate rather than after.
Why All-Inclusive Pricing Makes Financing Simpler
A lot of flooring companies quote a low number to win the job, then add subfloor prep, disposal fees, or "labor adjustments" once the crew is already in your house - which is a nightmare if you've already locked in a financed amount. We quote one all-inclusive price after measuring your rooms in person, so what you're approved to finance is what the job actually costs. No surprise invoices halfway through, no awkward call asking for more money mid-install.
Who It's a Good Fit For
Financing tends to make the most sense for homeowners who need floors replaced now - a move-in deadline, a sale closing, or simply floors that are past the point of waiting - but would rather spread the cost over several months than pull it all from savings at once. It's also popular for larger multi-room projects where the total is significant enough that 0% APR meaningfully changes the monthly math.
- Homeowners on a move-in or listing deadline
- Multi-room or whole-house projects with a larger total
- Anyone who'd rather pay monthly at 0% than deplete savings
- Combining financing with a partial deposit or credit card
The easiest way to find out what you'd qualify for and what your project would actually cost is a free in-home estimate - we measure, bring samples, and give you real, financeable numbers before you decide on anything. See more about how we run our jobs on our About Us page, or read what customers say about the whole process on our reviews page.
