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View all →Hardwood vs. Luxury Vinyl Plank: Which Is Better for Your Home?Comparison·12 min readHow Much Does Flooring Installation Cost in 2026? Complete Price GuideCost Guide·11 min readBest Flooring Options for Kitchens, Bathrooms & BasementsBuying Guide·10 min readTop Flooring Trends for 2026: What Homeowners Are ChoosingTrends·9 min read
Financing Options
Flexible Flooring Financing
Beautiful new floors do not have to wait. With affordable monthly payments and no money down, you can start your project today.
Check If You Qualify
No impact to your credit score — powered by Hearth
Monthly Payment Examples
See how affordable your flooring project can be.
Project Total
$5,000
As low as
~$209/mo
for 24 months
Ideal for a single-room hardwood or LVP installation
Project Total
$8,000
As low as
~$167/mo
for 48 months
Perfect for a main-level flooring upgrade
Project Total
$12,000
As low as
~$250/mo
for 48 months
Whole-home flooring transformation
Payment examples are estimates based on approved credit. Actual rates and terms may vary. Ask your estimator for a personalized quote.
How It Works
Three simple steps to affordable new floors.
01
Apply
Fill out a quick application during your in-home estimate or online through Hearth. The process takes about two minutes and uses a soft credit pull that will not affect your score.
02
Get Approved
Most applicants receive a decision within minutes. Your estimator will walk you through your approved terms, monthly payment, and available promotional rates.
03
Start Your Project
Once approved, we schedule your installation at your convenience. No money down — your first payment is not due until after your new floors are installed.
Why Finance With Us
No Money Down
Start your project without any upfront payment. Your first payment is due after installation is complete.
Competitive Rates
Access promotional rates including 0% APR for qualified applicants. Multiple rate tiers available based on credit profile.
Quick Approval
Get a credit decision in minutes, not days. Soft credit pull during pre-qualification will not impact your credit score.
Flexible Terms
Choose from 12, 24, 36, 48, or 60-month repayment terms to find a monthly payment that fits your budget.
Financing FAQ
What credit score do I need to qualify?
Most financing programs require a minimum credit score in the mid-600s. However, we work with multiple lending partners to accommodate a range of credit profiles. The best way to find out is to apply — the soft credit pull will not affect your score.
Is there really no money down?
Yes. Approved applicants can begin their flooring project with zero upfront cost. Your first monthly payment is typically due 30 days after the project is completed and you have signed off on the work.
Can I pay off the balance early without penalties?
Absolutely. There are no prepayment penalties on any of our financing plans. You can pay off your balance at any time without incurring additional fees.
How long does approval take?
Most applicants receive a decision within minutes. In rare cases where additional verification is needed, it may take up to one business day. Your estimator can help you through the process during your in-home appointment.
What if I am not approved?
If you are not approved through our primary lending partner, we can explore alternative options including secondary lenders with different qualification criteria. We want to help you find a solution that works.
Financing subject to credit approval. Terms and conditions apply. Ask your estimator for full details during your free in-home estimate. VM Power Flooring is not a lender. Financing is provided through Hearth and their lending partners.
Ready to Get Started?
Schedule a free in-home estimate and ask about financing during your appointment.
Ready to Talk Floors?
Free in-home estimate. No pressure. No obligation. No salesperson — just an honest conversation about your project.
Had a bad experience with another contractor? We get it. That's why every installer is our own certified, background-checked employee.
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