Quick Answer
Yes. Almost every national flooring retailer offers in-store financing. Home Depot, Lowe's, Floor and Decor, LL Flooring, Empire Today, and most independent stores work with Synchrony Bank, Wells Fargo, or Citi Retail Services to offer 6, 12, 18, 24, 36, or 60 month plans. Most are marketed as "no interest if paid in full," which actually means deferred interest, not true zero percent.
Read the small print. Deferred interest means if you miss the payoff date by one day, the full retroactive interest from day one (usually 26 to 30 percent APR) is added to your balance.
Common Offers in 2026
- Home Depot Project Loan: 6 to 84 months, true APR 7.99 to 19.99 percent.
- Lowe's Advantage Card: 6, 12, or 24 months deferred interest.
- Floor and Decor (Synchrony): 12 or 18 months deferred interest.
- Empire Today: 12 to 60 months, often advertised "no payments for 12 months."
- Independent dealers (Wells Fargo): 6, 12, 18, 24, 36, 48, 60 months deferred.
Deferred vs True Zero Percent
True zero percent: if you fail to pay off by the deadline, you simply continue paying the existing balance at 0 percent or roll to a low APR. Deferred interest: if you fail to pay off, you owe the retroactive interest that was accruing the entire promo period. Most flooring promos are the second kind.
How to Use Financing Safely
- Calculate the monthly payment needed to pay off before the promo ends, then set autopay 30 days early.
- Add 10 percent buffer. A missed payment can void the promo.
- Never use it as a credit lifeline. If you cannot afford the full price in 12 months, you cannot afford the floor.
- Compare to a 0 percent intro credit card. Chase Freedom Unlimited or Citi Diamond Preferred sometimes beat retailer promos.
Frequently Asked Questions
Does the answer change for tenants vs owners?
Yes. Tenants almost never see the same financing, removal, or warranty terms an owner gets. Most retailers will only sell to whoever is on title or has written landlord permission.
Is the price quoted in pounds the same in dollars?
No. UK and US flooring markets price differently: the UK quotes per square metre with VAT, the US quotes per square foot pre-tax. Multiply UK per metre by roughly 0.093 to compare per square foot.
Will the answer change in five years?
Probably. Tax thresholds, retailer line-ups, and warranty terms shift every year. Always confirm with the source before signing a contract.
Does the same apply for commercial buildings?
Mostly no. Commercial flooring carries different fire ratings, slip ratings, and depreciation treatment than residential. Anything you read here assumes a typical owner-occupied home unless stated otherwise.
Pro Tips
- Get the quote in writing. Verbal estimates from any retailer or contractor are worth nothing when disputes happen.
- Keep your receipts and lot numbers for at least the length of the warranty. Most claims are denied because the buyer cannot prove what was bought.
- Read the financing small print. Most "interest free" offers carry deferred interest, which means full retroactive interest if you miss the payoff date by one day.
- Ask about disposal fees up front. Removal of the old floor can add 1 to 3 dollars per square foot if not bundled.
Bottom Line
The right answer here depends on your home, your budget, and your local market. Use the numbers as a starting point, get at least two written quotes, and never sign on a contractor's clipboard at the door without 24 hours to read the contract.
Do Flooring Companies Offer Financing for Bad Credit?
Do flooring companies offer financing if your credit score is below 650? Some do. Snap Finance, Acima, and Progressive Leasing partner with independent flooring retailers to offer lease-to-own with no hard credit pull. The catch is the effective APR: equivalent rates of 90 to 150 percent are common after the early-payoff window closes.
Better Alternatives
A 0 percent intro credit card from Chase, Citi, or Wells Fargo at 0 percent for 15 to 21 months is almost always cheaper than retailer financing, and the issuer reports payments to all three bureaus. A home-equity line of credit (HELOC) at 7 to 9 percent beats every retailer plan over 24 months.
How to Compare Quotes Without Getting Burned
Get at least three written quotes broken out line by line: material per square foot, labour per square foot, removal of old floor, subfloor prep, baseboard handling, toilet pull, disposal fees, and warranty terms. A "total job" number from a single contractor tells you nothing about where the money is going, and you cannot compare it to anyone else.
Walk every quote against the others using the same measurements. Use the contractor's own square footage, not a guess, because room squareness varies. If one contractor's square footage is 15 percent higher than the others, ask why before signing.
Questions Most Homeowners Forget to Ask
Who is on the crew?
The salesperson rarely lays the floor. Ask for the lead installer's name and years of experience.
Is the install warranty written and transferable?
Most chain installers give a one-year labour warranty; specialist independents often give five.
What happens if my baseboards crack during pull?
Get the replacement policy in the contract, not in conversation.
How is moisture in the subfloor tested?
Concrete should be tested with a calcium chloride or relative humidity probe, not eyeballed.
What is the lead time on the planks I picked?
Special-order colours often run 4 to 8 weeks.
