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Financing

Financing

Express Flooring offers flexible financing plans through several partners to allow our customers an easier way to make payments over time and focus on the design of their new floors, rather than requiring the entire balance all at once.

Our focus is simple— to provide flexibility for our customers to create the home of their dreams. From deferred interest promotions to affordable budget-minded options, financing programs are an easy and convenient way to pay for any home improvement project.

Applying is quick, easy, and can be done at home with your Design Consultant. Approval status is given in minutes after the application is received.

How Does The Application Process Work?

Step 1: Schedule a free design consultation with one of our flooring experts and choose the perfect floors for your home.

Step 2: Submit a simple application and credit decisions will be provided in seconds; approved customers receive an agreement from the loan provider.

Step 3: Enjoy your new floors and set up easy payment options with your provider when the job is complete.

FINANCING FAQs

Financing a project allows you to conserve savings, and typically offers a lower interest rate than a typical credit card. The financing options available have many promotional offerings with deferred interest benefits, but without your having to pay out of pocket all at once. 

We work with several lenders who offer unsecured loans with fixed interest rates. Some offer credit cards specifically designed for home improvement projects that have promotional offers and an open credit line that can be used for future purchases. Since options vary depending on credit rating, current interest rates, and the size of your project, our team will walk you through options so that you can decide on the best fit for your situation. 

It’s simple – pay online or by phone, or schedule automatic payments to be drafted from your bank account. The choice is yours. And there is never a penalty for paying off your loan early. 

Subject to qualifying credit approval. Interest is typically billed during the promotional period but all interest is waived if the purchase amount is paid in full within 12 months. When applying, these terms will be made clear. 

Depends on your plan. Many deferred interest plans don’t require a payment during the promotional period. The first payment on a budget-minded plan is typically due approximately 30 days after the first purchase, but these terms will be fully explained to you so there is no confusion. 

You'll have the opportunity to accept or decline the offer. If you accept the offer, additional information and terms will be provided to you and you can proceed to complete the purchase. If you decline the offer, you can proceed with your order using a different form of payment. 

Greensky Plans

GreenSky® is a loan program name for certain consumer credit plans extended by participating lenders to borrowers for the purchase of goods and/or services from participating merchants/providers. Participating lenders are federally insured, federal and state chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender or familial status. GreenSky® is a registered trademark of GreenSky, LLC. GreenSky, LLC and its wholly owned subsidiaries service the loans on behalf of participating lenders. Plan 2521 – 12 months No interest, No Payments: Subject to credit approval. 2. Rates range from 15.85% - 21.19% APR (interest rates range from 17.99% - 24.99%). Loan amount and rate will vary based on your income and creditworthiness. 12 month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are not required during the Promo Period. Any unpaid balance and amounts owed after Promo Period will be paid over 84 monthly payments. For example, assuming the full credit limit is used on loan approval date and no payments are made during Promo Period, for every $1,000 financed at a fixed interest rate of 24.99%, 12 monthly payments of $0 followed by 84 monthly payments of $28.29. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms. Financing for the GreenSky® consumer loan program is provided by Equal Opportunity Lenders. GreenSky® is a registered trademark of GreenSky, LLC, a subsidiary of Goldman Sachs Bank USA. NMLS #1416362. Loans originated by Goldman Sachs are issued by Goldman Sachs Bank USA, Salt Lake City Branch. NMLS #208156. www.nmlsconsumeraccess.org Plan 2832 – 12.99% for 120 months: 1. Subject to credit approval. 2. Loan term is 120 months at fixed rate of 12.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 12.99% APR, 120 monthly payments of $14.90. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms. Financing for the GreenSky® consumer loan program is provided by Equal Opportunity Lenders. GreenSky® is a registered trademark of GreenSky, LLC, a subsidiary of Goldman Sachs Bank USA. NMLS #1416362. Loans originated by Goldman Sachs are issued by Goldman Sachs Bank USA, Salt Lake City Branch. NMLS #208156. www.nmlsconsumeraccess.org

Synchrony Bank

Synchrony is a premier consumer financial services company delivering customized financing programs across key industries. Synchrony works with thousands of businesses large and small, helping national chains and local merchants offer credit cards with budget-friendly financing. Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. No Interest If Paid In Full Within 12 months on qualifying purchases with your Synchrony HOME Credit Card. 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreements for their applicable terms. Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase. Data fees may apply.

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