Flooring Financing

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    Finance Your Flooring in New Jersey or Pennsylvania

    The right flooring contributes to the overall look and feel of your home, complementing your home’s interior and highlighting the function of each room. But when damage occurs or you want a new look, replacing the floors can be a major undertaking. Luckily, hiring our professionals can make the project easier and more cost-effective – and you don’t have to break the bank to get the job done.

    At SMART Carpet and Flooring, we strive to keep our flooring and carpet selection affordable for all homeowners, which is why we offer financing for qualified applicants. Learn more about our flooring financing options and services in New Jersey and eastern Pennsylvania.

    SMART Carpet and Flooring credit card mockup

    Get Your SMART Carpet and Flooring Credit Card Today

    Our credit card makes new carpet or flooring more affordable, allowing you to make monthly payments instead of paying the total balance at once. Additionally, with our easy financing options*, you can have your accrued interest forgiven. Sign up for our credit card and upgrade your home with budget-friendly flooring that you can enjoy now as you pay over time.

    Enjoy No Interest if Paid in Full Within 12 Months*

    SMART Carpet and Flooring now has special financing available.** Applying is easy! During your free estimate, your SMART Carpet and Flooring representative can help you complete our simple application. If approved, you won’t start being charged interest right away. Instead, we wait until installation day, saving you money.

    If you make a purchase with your SMART Carpet and Flooring credit card, we require minimum monthly payments. However, if you pay off your purchase in full within 12 months, we forgive any accrued interest to help you save more money in the long run.

    Andrew S.
    I had an amazing experience with smartcarpet and Bill Hicks! He was extremely helpful and very honest regarding what would be the best options for my basement!
    He kept me in the price range that I was going for and gave me excellent recommendations. He took his time and I never felt pressured! I 100% recommend Bill and Smartcarpet!
    Linda D.
    The installers did a nice job. We love our new carpet.
    Michael F.
    Every step of the process to install, our carpet was smooth. I went online to put in information for a free estimate and someone called me within five minutes and gave me an appointment the following morning. Our estimator, Ruth, arrived early and was a pleasure. She has much experience, quickly calculated our square footage, and explained the different types of carpets. We struck a deal within 15 minutes. Our carpet was installed two weeks later by Sam, who called the night prior. He was friendly, arrived on time and had the job completed promptly. Smart Carpet is a very professional operation and I would certainly use them again.
    Xx
    Sales person Ruth K Tom's River NJ ,rep was extremely helpful w/ choosing the right carpet for us. Sam installed our carpet so perfectly! Easy process from beginning to end. I have used smart carpet for many years. I highly recommend them for any flooring needs.!
    Maureen F.
    I met with Jimmy Breslin and he was excellent in helping me get the perfect carpet and price! Fabian and his team arrived right on time and worked so hard and also did an excellent job. Thank you Smart Carpet!
    Yvonne D.
    Carpet looks beautiful. Louie, our salesman was very patient as I made my carpet selection. The installers and binder were excellent. Will use again!
    Michel R.
    They did a really good job in a short time. Recommended.
    Kim R.
    Calling Smart Carpet is the best decision I made. Drew, our salesman, was very knowledgeable about his products and very helpful assisting us in making a decision. Price was very reasonable. Scheduling installation was easy. The installers worked very hard, and we were glad that we did not have to remove the railing in the upstairs hallway. The carpet looks amazing. I'm very pleased and won't hesitate to call them for any upcoming flooring needs.
    Leah K.
    Just had carpets installed by Smart Carpet and Flooring. It was a great experience and our salesperson, Matt Connor was amazing! He was very professional and went above and beyond to help us get the perfect carpet for our house.
    Kevin N.
    Jim is an expert salesman! He was a delight to work with and he made the entire process enjoyable and simple. We will always go to him when the next project pops up.
    Dan N
    My experience with SMART Carpet and Flooring was terrific from start to finish. Bob was so helpful during the selection process in assuring that I found the perfect texture and color of carpet for my home. The timeline for install was ahead of schedule and the installers did a flawless job. Couldn't be happier!
    Thomas M.
    We met with a couple companies and Louie stood out. Super professional and knowledgeable. Had so many more options of carpets than any other. They came in and installed everything perfectly. Highly recommend using Smart Carpet Flooring. Only issue we had was a lot of paperwork. In a digital world that part needs to be easier.
    Ronkymore A
    My family had a great experience with Smart carpet and flooring. Right from getting the quotes from Matt( the sales man) until installation. Matt was very professional, knowledgeable and courteous. We'll definitely be back for our next installation. I promise, you'll not be disappointed. Thank you!!!
    Emily P.
    We worked with Bob for our new carpet and he made the process so easy. From the initial meeting and measurement until the installation. He even checked in to make sure the job went well. We are very happy with our final product!
    Denise J
    I am very satisfied with my carpet! Shayne in the Mercer county area was very helpful and professional. The installers did a great job. Thank you!
    Wesley P.
    Had to have a tile floor removed and used SMARTcarpet to remove that floor and put down a beautiful hard wood floor! From Bill the salesman to the installers everyone was excellent and professional. I won’t be shopping elsewhere when I need other floors replaced I will be using SMARTcarpet and would recommend them to anyone!
    Robert C.
    The installers did a great job. Professional and courteous. Mat called during the installation to make sure the job is done right.
    Lisa H.
    Louie was great to work with, nice selection in our price range and installers did an excellent job. Highly recommend! We are in Union County.
    Billy S.
    I highly recommend Smart Carpet and Flooring when looking to have carpets installed. The rep we worked with (Louie) did an excellent job working within our budget and suggesting our best options. The final product look and feel exceeded expectations!
    Leonard B.
    Guys did a great job. John was very helpful in selecting material.
    Kathleen W.
    Ryan was a super helpful and patient sales person. Prices are much more reasonable than several local flooring stores with the same or similar products. Would highly recommend. We have used them in two different homes now for three different jobs and always excellent service.
    Mike and Carol K.
    We had a great experience with SmartCarpet. They replaced wall-to-wall carpets in the living room/dining room/hall with Vinyl flooring and put a new carpet in the family room. The house is completely transformed! All the installers were top-notch and made sure the work was done to our satisfaction. Communication was fast and thorough. Highly recommend!
    Guy G.
    Had the family room in our home replaced with LVP. Smart carpet had put down laminate flooring over 10 years ago and it was time for a change. They came in and did a great job from start to finish including Louie our salesman!
    Kristen V.
    Easy process and seamless installation!
    Lara B.
    We just has carpet installed in two bedrooms and are very happy with results. The whole process was simple and convenient. Our salesman, Otto helped us find a great carpet at a competitive price. Scheduling was fast and our installer did a great job moving furniture, installing and cleaning up. If you need carpet, Smart Carpet is a much better value than the big home improvement stores.
    Karl D
    Very happy with the job SmartCarpet did in my home!
    Brenner D.
    Our experience with SmartCarpet was amazing. We needed our flooring installed in a timely manner due to our move in date and Otto delivered. He worked with us on style and price to get us exactly where we wanted to be. The install teams showed up on time and did an amazing job! We will definitely recommend them going forward!
    Michael P.
    We replaced carpet with hardwood flooring in 3 rooms in our house. Ryan was very knowledgeable about all the different options and worked with us to make sure we found what we were looking for. He also helped us decide on a color that went well with the other hardwood flooring in the house. Victor and his team did a great job on the install. They were very efficient and finished all 3 rooms in 1 day, including moving around furniture and ripping up the old carpet/hauling it away. Ryan even stopped by during the day to check-in. When we had a few questions after the install, Victor came back within a few days to address. He had great advice on hardwood maintenance too. Overall, we’re very happy with how the job turned out. We’d definitely recommend Smart Carpet and Flooring!
    Levy S.
    Working with Shayne at Smart Carpet was a pleasure. From start to finish, everything was professional and completed with quality. We are based in Monmouth County and needed new carpets for a few rooms + a stair runner - Shayne was wonderful to work with and very reasonable in price. Great service, great install and we are very happy with the results!
    Matthew L.
    We used Smart Carpet for our stair runner and could not be happier with the service. Louie was incredibly helpful and easy to work with. We are in Union County and can’t recommend Louie and Smart Carpet enough!
    Merle R.
    Shayne was helpful and accommodating. We were in a hurry to replace some carpeting and he made it happen in just a few days.
    Danielle K.
    Smart carpet was a great choice for our Monmouth County home! Building our nursery and they had just what we wanted. Shayne was fantastic to work with and the team was professional and efficient. Highly recommend!!
    Janice M.
    Louis Marrs was polite and very patient. He explained very thing and talked about pricing. The installer was on time, neat and friendly.He also did a great job. I am very happy.
    Meredith J.
    We had a great experience with Smart Carpet through Costco. Shayne in Hunterdon County was super patient and helpful and made sure we were happy throughout the entire process. Great job!
    Deborah B.
    From walking in and receiving help in choosing my flooring ( Brenden) to measuring ( Jim) and installing ( Victor) this made my day!! Old carpet out and new engineered oak planking in !! I’m in love!!! Thank you isn’t enough for the great service I received dealing from Smart Carpet ! If I could get down I’d roll all over ! It will be a breeze to keep clean. Thank you for the professionalism shown by all. A very satisfied customer.

    Also had a super experience with carpet installation in bedroom .. and rounding out the experience was window treatments ( Hunter Douglas) !! The highlight. Swift installation. Friendly staff. Otto was the absolute best in helping with choosing treatments … his expertise was amazing. I felt extremely comfortable having him help me.
    Dawn S.
    Salesman was Very Informative & Helpful !!!!!
    Installers were On Time,Curtious & Cleaned up after Themselves !!!!!
    Very Happy Customer 😊
    Great Job SMART Carpet and Flooring.......
    Marilyn P.
    The installers did a fabulous job. They were very neat and cleaned up all of the mess. They lined up the seams to match our hallway perfectly .
    lisa F.
    From start to finish the process was so easy. Jim was a pleasure to work with. He brought us a ton of samples to choose from. The carpet came in quicker than we expected and it was installed all in one day! This was the 3rd time we used Smart carpet and it won’t be the last.
    Beee B.
    Great experience from start to finish.sales Representative Marr was do easy to work with. He did
    not pressure me into buying more expensive carpets . He listened and helped me pick the best carpet to suite my needs at a fair price. Installers were great. They worked hard and the carpets look great. I couldn’t ask for more. I definitely recommend Smart Carpettp all.
    Robert N.
    Joe made it a very easy and a positive experience for my wife and me. He was very knowledgeable and patient throughout the process.
    Michele L.
    I just had carpeting, installed by Smart carpet. My representative Joe Orlando was very thorough, professional, and gave me a great price on carpeting for my 2 bedrooms!! I’m very happy with the end result!
    Sheila V.
    I am so pleased with my installation crew from Smart Carpet! Johnathan and his team were professional, neat, prompt and precise. We had a flood situation and there was furniture everywhere! They walked into a total mess - but when they left - our home looked beautiful! They were meticulous with their installation and made sure that moulding was perfect. They also needed to install linoleum and it came out beautiful! I would highly recommend working with the team and Smart Carpet!
    Jeff M.
    Outstanding Job By Ryan The Crew The Whole Process Was Outstanding The Marinelli's Of Brick
    Rocco P.
    Everything about our experience with Smart Flooring was great. Shane was most accommodating and knowledgeable during the selection and ordering phase. The install was scheduled within a short time. The installers were on time, neat, polite, and did a great job. My wife and I are very happy we chose Smart Flooring for our home.
    Carole & Rocco Palmieri
    mars R.
    Great Company! My carpet looks great and Andrew the salesman very nice and patient with you to pick your carpet. Installers were so pleasant and very good workers. I will definitely use them again!
    Jodi H.
    Jay Carter was an absolute pleasure to work with! So knowledgeable, helpful, and a genuine fantastic person. I would not hesitate to call him for our next project and recommend to anyone who is thinking about new carpet or flooring.

    Awards and Accreditations

    SMART Carpet and Flooring mobile showroom van

    Disclaimer

    Offer applies only to single-receipt qualifying purchases. The required minimum monthly payments may or may not pay off the purchase by the end of the promotional period, depending on the purchase amount, the promotion length, and your payment allocation. Regular account terms apply to non-promotional purchases and the promotional balance after the promotion period ends. For new accounts, the purchase APR is 28.99%. Existing cardholders should see their credit card agreement for their applicable terms. Credit cards are subject to credit approval.

    What Can You Finance?

    At SMART Carpet and Flooring, our dedication to customer satisfaction means we offer a vast selection of flooring options from industry-leading brands, such as COREtec, to ensure your floors withstand the test of time. Additionally, as a mill-direct buying service, we don’t factor overhead costs into our customers’ prices. Everything is included with us, from the measuring, layout, padding, and expert installation. We’ll even move your furniture for you. Our customers can save up to 50% off the usual store price on our flooring inventory.

    Our upfront pricing and free in-home estimate mean you’ll know how much your flooring project will cost before you commit. Upgrade your home with our selection of affordable flooring options that you can finance, including:

     

    • Carpet: Our selection of cost-effective carpet upgrades living rooms, bedrooms, and hallways add sound absorption and soft warmth beneath your feet.
    • Hardwood: Create a timeless look and effortless complement to your style with luxurious hardwood floors. We offer engineered, bamboo, and solid hardwood floors to upgrade your den, bedrooms, hallways, and foyer.
    • Hybrid vinyl: This flooring is an ideal cost-effective and lasting alternative to hardwood or tile that removes the extra maintenance without sacrificing the look of natural stone or hardwood.
    • Luxury vinyl: Our luxury vinyl plank-tile (LVP) flooring is available in various styles and colors so you can customize your floors to fit your style. LVP imitates the appearance of stone and wood but is a low-maintenance alternative.
    • Sheet vinyl: This reliable and easy-to-clean flooring is ideal for high-traffic areas like kitchens and foyers. It consists of four durable layers printed to reflect the look of tile or hardwood.
    • Tile: Tile flooring is a common choice for bathrooms, entryways, and kitchens. This durable flooring resists wear and tear and is great for heavily trafficked areas.
    • Laminate: Laminate flooring offers a smooth surface, luxurious look, and warm feel combined with simplified maintenance and a budget-friendly price. Our wide selection of patterns, styles, and colors match your vision for any room.
    • Waterproof flooring: Protect your flooring from leaks and stains with our inventory of durable waterproof flooring. These easy-to-maintain options are comfortable and great for kitchens, basements, and bathrooms.
    • Pet-friendly flooring: We offer a wide selection of carpet, vinyl, laminate, and hardwood flooring that holds up against damage from pets.


    At SMART Carpet and Flooring, we understand the disappointment of getting your new flooring home and realizing it’s not what you envisioned after it’s installed. We take great strides to prevent this outcome, eliminating this concern with our mobile flooring showroom. This allows you to view thousands of our flooring samples in each room of your home, so you can see how it looks with your existing decor. Once you select from our full line of products, our team will provide you with a free estimate using our transparent pricing.

    Explore Our Flooring Financing Options for Your Renovation

    When you’re ready to update the flooring in your home, choose SMART Carpet and Flooring. Our locally owned company has provided top flooring options to homeowners in New Jersey and eastern Pennsylvania since 1995. With almost 30 years of experience, along with respected awards and accreditations, we take the hassle out of the installation process and leave you saying, “Wow! That was easy!”

    To learn more about our flooring financing options and current deals, or to schedule a free, in-home estimate, contact us or fill out our online form today.

    Gold emblem that says “100% satisfaction guaranteed”

    Awards and Accreditations

    GET A FREE ESTIMATE TODAY

      By submitting this form, I provide my consent to be contacted via text message. I understand that I can revoke this consent at any time.

      Or Call us at