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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.