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.

    Ashley H.
    My sales rep Louie was five stars!
    Pasquale A.
    If you're thinking of flooring look no further than Smart Carpet; an excellent company to deal with that has a wide inventory, very fair pricing and excellent workmanship. Simply put, outstanding!
    Marianne D.
    Louie and installer were great, quick and easy process
    Sherrie S.
    Excellent experience with Smart Carpet! Louie and his installers did a great job in our home. Highly recommend them!
    Diana K.
    100% satisfied from beginning to end. Louie came to our house, measured and talked to us about what we expected from the product.
    Bringing in the samples which made it easy to make a final decision. Received a call the next day to make the appointment for installation. Jonathan and his partner removed the old carpets, moving furniture, putting down the padding and then laying down the carpet. These guys were courteous, polite and professional. From the room flooring to the closets, every corner and cut is precise. Absolutely love the carpet. Thank you for bringing brightness to our rooms.
    Embria S.
    Ruth and the staff went over and beyond assisting my family with our floors and carpet concerns…Keep up the good work…
    Patricia C.
    I'm so glad I chose Smart Carpet for my recent installation! Their team was incredibly helpful in guiding me to pick the perfect carpet for my home. The installers did an absolutely great job; they were highly professional and meticulous. My husband was especially happy that they managed to install everything without scuffing his freshly painted stair treads. Everyone involved was professional and did a fantastic job from start to finish.
    Debbie E.
    Great experience with Shayne in Ocean County. We wanted a mixture of floor and carpet to spruce up our basement. Shayne shared different options with us. He made it so easy to make our choices in our own home! Installers for both floor and carpet were professional, friendly and got the job done right! Shayne also helped us previously with carpet for LR and stairs!! I’m sure we will reach out to Shayne again in the future!
    Arielle M.
    From beginning to end a great experience. Louis was personable, accurate and professional. The install crew worked diligently to do an exemplary job, cleaned up and moved furniture back in place without hesitation. A+
    krista C.
    I couldn’t be happier with the new linoleum floor installed by Smart Carper through Costco! From start to finish, the team was professional, punctual, and incredibly easy to work with. Otto helped me choose the perfect style for my space and budget, and the installation was done quickly and with great attention to detail. The floor looks absolutely fantastic and it made a huge difference in the room. I highly recommend Smart Carpet to anyone needing to freshen up their space!
    Sonia M.
    We just had our kitchen flooring installed. Ulysses and Carlos did a beautiful job!! They were very professional and competent young men. We are very happy customers, and highly recommend the Smart Flooring through Costco.
    From the first meeting a very competent salesperson Michelle to the final installation we had a great experience. Thank you!
    R M.
    On time, very professional and clean up was satisfactory. Would use them again.
    Tom P.
    I was very pleased with the whole experience. Smart Carpet did a great job on my son’s home, so I used them in mine. Louie made great carpet suggestions and followed through on the entire install. Installation went very well also! I’d use them again.
    Gail L.
    Outstanding sales person and installers. The installers did a fabulous, they were pleasant, professional and left the house immaculate. I Definitely would recommend this company.
    Jeff C.
    I needed carpet for my new office. They came out when they said they would and the installation went smooth. Recommend ! Thank you Rima !
    Jody C.
    We were very pleased with our experience working with Smart Carpet. From start to finish, representatives were generous with their time, quick to respond to inquiries and continually asked if we were satisfied. The new carpet look great. We only have good things to say about Smart
    Michelle L.
    Louie from Smart Carpet was great! Knowledgeable and helpful. Met with him on a Wednesday and had my new carpets installed 2 weeks later.
    Judith M.
    A great experience. Ryan made it an efficient and pleasant visit. Came back when I changed my mind. They look great!
    Percita S.
    The sales representative Michele was extremely helpful and knowledgeable assisting pick out what would look best in my space. The installer are fast and efficient. I would definitely recommend their services.
    Kim H.
    Team was very professional and on time. They completed the job in a timely manner it looks beautiful! Jim, checked in to see how they were doing! He is great to work with!! I will be calling him in the winter for my next install. Thank you!!
    JoAnn L.
    I am so happy with my new floor. The guys that came and installed them were awesome. They moved all my furniture and put it all back. They were in and out in no time.
    My sales guy Andrew was awesome, he explained everything to me in detail and there were no surprises. Honestly this is the first time in a long time that I had work done in my house with no problems. I would recommend this company to anyone that wants to redo their floors. I am just so happy
    Brian C.
    This was a superior company. The person that came out and estimated the work did a fantastic job. The workers that came out and put down the rug did an unbelievably good job. The Costco company negotiated the best possible deal pricewise with this company on top of all that they gave me a $900 shop card with Costco. Unbelievable.
    Karen L
    Have used them many times. Ryan was our salesman and was great. Smooth installation and very happy with final product.
    Charna G.
    A very positive experience. The gentleman in the showroom was very patient and informative. I picked out a couple of rugs I liked and he arranged for the mobile showroom to come to my home. Ryan, with the mobile showroom, showed me the samples in my home, which was invaluable. He measured, answered questions and helped me make some decisions. He was a pleasure to work with. Delivery followed a couple of weeks later. I’m very happy with my choice. It was a painless and reasonably priced experience.
    dennis F.
    Nice price, great service and professional installation. Sales Tech Ryan was very helpful and friendly.
    Sandy P.
    Joe helped us pick out the perfect carpet for our needs. Would recommend Smart Carpet!
    Jeanette B.
    Bill Hicks was absolutely outstanding! He helped me navigate my carpeting needs with professionalism, patience, and efficiency. The installer, Sam, was also equally excellent.
    David B.
    I’ve used Smart Carpet several times over the years - this time around we got Louie for our sales rep and he was great! Very personable, patient and helpful. We made several changes during our renovation and Louie gave us fantastic support - even came back to the house more than once to make sure we were satisfied with our selections. The installation teams were phenomenal. FAST, CLEAN and courteous (they wore slip on shoes so they could remove them and keep the new carpets pristine!)
    Paulyn H.
    This is my fifth time working with Smart Carpet. Rima listened to what I needed and provided me with multiple options based on my descriptions. She helped me narrow it down to my final choice. The whole sales experience was no pressure and she went out of her way to answer any questions I had. Installation was exactly as expected. Sammy was a professional craftsman, and took great care to install the padding and then the carpet in the correct direction (it's a herringbone pattern) and ensure I was satisfied with the results. Everyone was great from start to finish. And j wouldn't hesitate to work with them again if needed.
    Barry K.
    Had a carpet installed in a basement bedroom and staircase. Louie from sales gave us the quote and was really good to work with as far as picking the best padding and carpet for our space. The price was fair and the installation went very well. We liked the communication with Louie and the company. Would use them again in the future. Communication was the key.
    Stephanie D.
    Great service and knowledgeable crew! I needed a quick turnaround and they absolutely delivered. Their recommendations were on point, they came prepared, exceeded all expectations and were a pleasure to work with.
    Christopher G.
    Excellent service! Great pricing!
    Laura G.
    Louie was extremely knowledgeable about the products. He really listened to what I wanted and went the extra mile to order samples for me. He was good with follow up and a pleasure to work with.
    John C.
    Smart Carpet provided a quality installation of my wood flooring. Matt Connor was courteous and informative about the planning and installation procedure. I would highly recommend to others.
    Ryan W.
    We are very pleased with Smart Carpet and Flooring. John came to our home to present options and gave us a fair estimate. The installers were professional and did quality work. Communication and customer service were great throughout the process.
    Denise R.
    Team was awesome. They communicated their timing and kept to it.
    Jennifer G.
    My experience with Smart Carpet couldn’t have been better! Andrew gave us a great consultation and estimate. He was honest, helpful and informative. I needed installation in an extremely short amount of time for my daughter’s room, and he made it happen! Sam came to install my carpet. He was friendly, quick and efficient. The carpet looks beautiful and we are very pleased with the quality. Looking forward to future projects with Smart Carpet.
    Michael G.
    I’ve used Shayne for the second time now in our second Monmouth county home and he’s continued to exceed our expectations with our carpet and flooring needs. He’s very thorough and responsive in helping us.
    lori W.
    What a wonderful experience! Our sales rep Louie was so knowledgeable and helpful in guiding us to the best flooring for our needs. His follow up to make sure job was completed was exceptional customer service. I highly recommend Louie and Smart Carpet for your flooring needs.
    Bre S.
    This is my second time using Oscars Carpet One in Williamstown. The staff is very sweet and helpful. Highly recommended!!
    Paul S.
    Excellent job all around from sales to installation! Very efficient and neat installers.
    Tina S.
    Jim was excellent helping us pick Core-Tec flooring. He was on time, on target and informative, educated and knowledgeable in his profession. Jim was Very patient, he took his time and really demonstrated the "CARE" factor.
    The installers were prompt, professional, courteous and very skilled. They never stopped working until the work was done. Excellent work ethic. They were also very very neat with an attention to detail that goes above and beyond.

    Michael Shymko
    Celeste G.
    Our representative was Bill Hicks. We had a great experience with Bill. He was a true professional and explained everything well. Bill was a pleasure to work with. We would recommend your company and Bill Hicks to everyone. Overall we had a great experience. The installation process was also great and the carpet is beautiful.
    Billy D.
    Overall top notch experience. Our saleswomen Ruth was a professional and I couldn’t be more happier with the ease of the installation process.
    Michael D.
    Installers were on time did a nice job they vacuumed and cleaned up and took care of everything I needed done they left the house cleaner than when they got there I'll be using them again
    Dagney K.
    We had Louis come out today to measure our house for carpet. He was a pleasure to work with. He was very professional and gave us some great advice. Smart carpet is a big company, but Louis gave us small company attention with great attention to detail. He also creatively came up with a plan that suited our needs perfectly. Thanks again Louis! 🙂

    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