Flooring Financing

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Flooring Financing With Acorn Finance

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Hardwood Flooring Financing

Acorn Finance gives you control when shopping for low rates on a loan to finance new flooring. We know home improvement loans like nobody else, and we let you compare personalized offers from lenders in our network with no impact to your credit score. That means multiple loan offers for your new flooring in seconds.

We’ll even help you check for pre-qualified flooring financing in seconds with our broad network of national lending partners. You can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. That means whether you’re looking for a loan to repair your home or plan to remodel in the future, Acorn has your back.

Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance your new flooring without the hassle.

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Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

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In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

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Flooring Financing Options for a New Hardwood Floor


If your home is in need of new flooring, but you don’t currently have enough funds to pay for the project upfront, you might think you’re out of luck. Fortunately, flooring financing makes it easy for almost anyone to get a floor they’ll love without paying for it all at once.


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The description of a house as being “four walls and a roof” might technically be accurate, but if one more item were added to that description, it’d likely be a floor.

We often take floors for granted, yet we walk on them from the moment we step foot inside our homes. Flooring spans from room to room — upstairs and down — and generally covers every square inch of a home’s foundation. For this reason, flooring also tends to be quite expensive.

What Is Flooring Financing?

Flooring financing is a financial arrangement in which a homeowner has a new floor installed but pays for it over the course of several months — or even years — rather than paying for it when the job is done. This type of arrangement makes a lot of sense for many homeowners, and numerous flooring finance companies exist to help such buyers.

Do flooring companies offer financing?

Some flooring retailers and companies may offer financing. It’s a good idea for flooring companies to offer financing as it makes their products more affordable and can encourage customers to spend more money. Some retailers may partner with lenders that can offer promotional 0% financing. However, you’ll most likely need good credit to qualify. If you use financing offered by a flooring company you should review the terms carefully. It may be a good idea not to mention that you need financing until you have negotiated the price of the products. If there are any finance fees the retailer may try to pass them along to you by selling products at a higher price. If you use a personal loan for flooring financing you will be considered a cash buyer and you may have more negotiating power.

What time of year does flooring go on sale?

The best time of year to buy flooring is different than many other home products. For example, if you are buying appliances the best time of year is usually on holiday weekends. However, with flooring the best time of year to purchase is usually around the New Year. Demand is usually lower around this time which means prices are lower too. If you can’t make the New Year work for flooring shopping, you may be able to find good deals mid to late May. Some retailers may get new products in around this time, thus encouraging them to get rid of old products. Sales may be slow around this time of year as well with many people focused on the upcoming Memorial Day holiday and graduation season.

What is the best month to buy flooring?

When it comes to getting a good deal, timing really is everything. If you are looking for the best deal on flooring, you should consider purchasing in January. Historically, prices go down in January for carpeting and flooring. As we mentioned earlier, mid to late May may also be a good month to purchase flooring. Keep in mind that the cheapest flooring is not always the best flooring. It’s important to shop for value – high quality flooring at a discounted price. Similar to most things, there can be a big variance in the quality of flooring based on price.

What is the cheapest flooring option?

One of the cheapest and most affordable flooring options is vinyl flooring. Vinyl flooring can be installed anywhere in your home and is known for being durable and waterproof. In addition, it’s very easy to maintain and can last as long as 25 years. If you want vinyl flooring to last you will want to make sure that it is properly installed. Vinyl comes in a variety of colors and styles and can mimic the look of various types of flooring. On average homeowners spend about $2 ro $12 per square foot for vinyl flooring and installation. You may even be able to watch some YouTube videos and install vinyl flooring on your own. If you are able to install vinyl flooring DIY style you can save about $1 to $2 per square foot. Vinyl flooring is recommended for kitchens, bathrooms, basements, family rooms, and laundry rooms. If you are looking to mimic the style of hardwood or stone for a more affordable price, you may want to consider laminate flooring. Laminate flooring is comparable to vinyl in terms of cost but may not be as durable. Homeowners should avoid installing laminate flooring in areas that are prone to water such as the kitchen and bathroom.

What flooring is in style in 2021?

Vinyl flooring is extremely popular for 2021. In addition, experts are confident that vinyl will be in style for quite some time. Vinyl is stylish, durable, and affordable. In addition, it’s offered in an overwhelming amount of styles and colors. In addition to vinyl flooring, tile, laminate, carpet, and engineered hardwood are also trending. Taking it one step further some trending colors are gray, blonde, white, cool tones, high variation, and black and white. Distressed, hand scraped, and wire brushed vinyl styles are predicted to be very popular for 2021. Stone-look vinyl tiles mimin the look of expensive stone and are very popular in 2021. When it comes to choosing flooring, you may be tempted to pick popular styles, patterns, and colors. If you are planning to sell it may be a good idea to pick timeless styles that are loved by many. However, if you are remodeling a space that you will live in a while, pick the flooring that you enjoy the most and fits in your budget.

Is it OK to have different flooring in different rooms?

There are no rules when it comes to picking flooring for your home. If you want different flooring in different rooms, go for it. If you want the same flooring in the whole house, go for it. However, most experts say there is no need to change flooring from room to room. When decorating your home you should try to create consistency and flow. With that being said, it may be best to keep flooring consistent. If you want to break up spaces you may want to consider one type of flooring for all the bedrooms, one type of flooring for hallways, and one type of flooring for the kitchen, laundry room, and bathrooms. If you are having a hard time imagining what your home would look like with different flooring you should be able to use online design programs to project a visual image of what your home could look like.

How do people afford new flooring?

Affording new flooring is easy when you use flooring financing. Whether you have good credit or bad credit you can qualify for a personal loan for flooring financing. Other ways people afford new flooring can include good old fashioned savings, credit cards, or home equity loans or lines of credit. Compared to personal loans credit cards usually have high interest rates and lower spending limits. While home equity loans usually have low interest risk, they are harder to secure and require collateral. Some flooring retailers may offer financing options as well.

Do You Need Good Credit to Finance New Floors?

If you’re considering financing a new floor, you might be wondering how your credit history factors into the arrangement and if you need to need to have good credit in order to get approved. In most cases, your credit record — and specifically your credit score — will play a role in determining whether or not you’re approved for financing. And if your credit score is less than stellar, yet you are still approved for flooring financing, bad credit could translate into higher interest rates and shorter repayment periods.

How Much Does It Cost to Install 1,000 Square Feet of Hardwood Floors?

The cost of hardwood flooring for your home can vary dramatically based on several factors, namely the type of wood you choose and the cost of living in your community. For instance, flooring made from cherry, walnut, or maple wood is typically more expensive than flooring made from oak or ash wood. And if you happen to live somewhere such as San Francisco, New York, or Washington, D.C., you can expect to pay significantly more for 1,000 square feet of hardwood flooring than you would pay in rural Indiana.

According to popular hardwood flooring cost calculators, the average cost to install 1,000 square feet of oak or ash wood flooring starts around $5,500 but could be as pricey as $15,000 based on where you live. And 1,000 square feet of the more expensive woods (i.e., cherry, walnut, and maple), can cost anywhere from $8,500 to $20,000 at the end of the day.

How Much Does It Cost per Square Foot to Install Hardwood Flooring?

Based on the above figures, the cost of hardwood flooring per square foot can range from $5 to $15 for oak or ash wood, and from $8 to $20 for cherry, walnut, or maple flooring. And although pricing remains relatively fixed throughout the year, the best time to buy hardwood floors is usually in the fall, when weather conditions in North America are more favorable for installation.

Which flooring option cost the most?

Marble natural stone flooring is among one of the most expensive luxury flooring options. Hard or solid wood floor is up there with marble in terms of price. However, hardwood flooring is more likely to have a better ROI. Stone flooring creates elegant vibes in a home. When we think of stone flooring most of us imagine a grand entryway, a fancy hotel, or a castle of some sort. One of the reasons stone is so pricey is because it’s extremely heavy and expensive to transport. In addition, quarrying for the stone is an expensive business. In some cases, they may need to quarry below ground which can be even more expensive. To top it all off, stone is pricey to install and usually requires the most labor hours. If you like the look of stone but it’s out of your budget, you could use porcelain tile. Porcelain tile is available in a variety of colors, sizes, and designs and can be made to look similar to natural stone flooring. An alternative for hardwood flooring are laminate flooring. You can find high quality laminate flooring that is much more affordable than real hardwood floors. In addition, laminate flooring is extremely durable.

How Do You Calculate How Much Hardwood Flooring Is Needed?

In order to find out roughly how much hardwood flooring you’ll need, all that’s required is a tape measure and perhaps a calculator. Start by measuring the length of a room, then multiply that number by the room’s width. Repeat for each room and add the totals up to get an estimate of the amount of flooring you’ll need.

What Is the Lowest-Cost Material for a New Floor?

If hardwood flooring is too rich for your blood, you’ll be happy to hear that there are numerous less-expensive options including laminate flooring, ceramic tiles, cork, and carpet. Perhaps the lowest-cost alternative, though, is sheet vinyl flooring, which can be as cheap as $0.50 per square foot.

What Is the Priciest Material for a New Floor?

If money is not an object and you only want the best material on the market, stone flooring is generally considered as good as it gets. Stone offers several advantages over other types of flooring, but it can also be near-impossible to repair a chip or crack should one occur.

Does It Matter If I Get Wood or Carpet Flooring?

The decision of wood versus carpeted flooring comes down to your personal taste and what you like to feel beneath your feet. Many people prefer hardwood flooring for its timeless appearance and ease of maintenance, yet others opt for the soft, cushiony feel of carpeting. Regardless of which type of flooring you choose, financing options will likely be available to you.

What Is Needed to Secure New Flooring Financing?

If you’re ready to secure new flooring financing, in most cases, you’ll simply need to fill out an application. These applications generally ask for personally identifiable information such as your name, address, and social security number, but you should be prepared to answer questions about your finances and your home’s dimensions.

Secure Flooring Financing Today with Acorn Finance

Hopefully, you now have a better understanding of what’s involved with financing your flooring. Ready to take the next step? Start comparing your options to find the best flooring financing company for you.

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