Affiliate Disclosure: EasyPayQuick may earn a commission when you click links on this page, at no extra cost to you.
New flooring (hardwood, LVP, tile, carpet) for an average home runs $3,000-$15,000+ including materials and installation. Home Depot, Lowes, Floor & Decor, and Empire Today all offer bad-credit financing options. Here are the best paths in 2026.
Verdict
Best for: Bad-credit homeowners needing new flooring with manageable payments
Skip if: Cash buyers who can wait for major sales or do DIY installation
Best flooring retailers for bad credit
| Retailer | Best Option | Term |
| Home Depot | Synchrony 24-mo deferred OR Progressive | 24-60 months |
| Lowes | Synchrony 24-mo deferred OR Progressive | 24-60 months |
| Floor & Decor | Synchrony or Affirm | 12-60 months |
| Empire Today | In-house financing | 12-72 months |
| Costco | Citi Costco card | Promo periods |
Strategy 1: Synchrony cards at major retailers
Home Depot and Lowes Synchrony cards offer 24-month deferred-interest financing on flooring. APR 29 percent if not paid off in time. Best for fair-to-good credit (650+).
Strategy 2: Progressive Leasing
For shoppers below 650 credit, Progressive Leasing at Home Depot or Lowes provides income-based approval. 12-month lease with 90-day same-as-cash buyout.
Strategy 3: Empire Today in-house financing
Empire Today (national flooring installer) offers financing through their own programs with terms up to 72 months. Easier approval than store credit cards. Hard credit pull.
Cost example
A $6,000 flooring project: Synchrony 60-mo deferred-interest paid off = $6,000. Synchrony NOT paid off = $6,000 plus 29 percent back-applied = roughly $8,500. Empire 60-mo at 14 percent = roughly $8,400.
Compliance note: Approval and rates depend on the lender and your credit profile. Subject to credit review.
Related
- Home Improvement Loans
- Window AC Financing
- Roof Financing
- HVAC Financing
How to finance flooring with bad credit
Financing flooring when your credit isn’t perfect is very doable — the trick is picking the right type of financing and knowing the true cost before you commit. Most no-credit-check paths fall into three buckets:
- Buy-now-pay-later apps (Affirm, Klarna, Afterpay) split the cost into installments and often approve with only a soft credit check.
- Lease-to-own is the most accessible route without good credit, but you pay more overall than the retail price.
- Store or brand financing may offer a promo — just confirm whether it’s true 0% APR or deferred interest.
- A secured credit card won’t cover a big purchase alone, but it steadily builds the credit that unlocks cheaper financing later.
What to watch for
Two traps cost people the most. First, deferred interest: if a “no interest” promo isn’t paid in full by its deadline, all the interest is charged retroactively. Second, the gap between the monthly payment and the total cost — lease-to-own especially can add up well above the sticker price. Compare the full amount you’ll pay, look for an early-payoff discount, and only finance flooring if the payment fits your budget every cycle.
Frequently asked questions
Can I finance flooring with no credit check? Often yes — lease-to-own and many buy-now-pay-later plans approve without a hard credit check, though they cost more than paying cash.
What’s the cheapest way? Paying cash, then a 0% buy-now-pay-later plan you pay on time. Lease-to-own is the accessible-but-priciest option.
This is general information, not personalized financial advice.