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.

    SMART Carpet and Flooring
    Excellent
    4.8
    Based on 1137 reviews
    review us on
    Erica M.
    Erica M.
    Shayne was great to deal with. Way easier to have in home samples to make a choice from. Thanks!
    Megan W.
    Megan W.
    We had an amazing experience with smart carpet and flooring starting with their representative, Joe Orlando and all the way through to the installation team. They were friendly, helpful and professional. Mr Orlando explained the process in full detail and was very essential to us picking out our best carpet type and color. I highly recommend them.
    Timmie P.
    Timmie P.
    Shayne was great in exposing everything about the material and install. Everything was on time and looks great. The best and most reliable in Monmouth county.
    Sandra K.
    Sandra K.
    Working with Smart Carpet has been a wonderful experience from the minute Le Louis Marra , the sales person came to our home to The installers who did an incredible job in one day, putting in a lot of square foot of carpeting. We’re thrilled with the carpet thrilled with the customer service i And theoverall experience, and we’ve already recommended it to our neighbors. We live in an adult community and hopefully LouisMarra and Smart Carpet Will receivea lot of business from it
    Lisa Z.
    Lisa Z.
    Great experience and our Salesman was very helpful, Ryan Ogorzalek, highly recommend.
    Andrew F.
    Andrew F.
    I am so pleased I used SMART Carpet to install new carpeting in my home. I worked with Nicole Bonner, who was the absolute best and so knowledgeable and responsive to my questions. The installers were fabulous - very professional, and did a flawless job installing the carpeting. They also cleaned up after themselves and did a fairly big job in a single day. I strongly recommend them!
    Juliana S.
    Juliana S.
    I got my stairs carpeted and had a great experience with Smart carpet and flooring. Louie was very helpful throughout the process and the got the job done within a couple hours. Would definitely recommend!
    David M.
    David M.
    Competent and responsive to our needs. From first contact to finished installation was 10 days. Impressive and professional service from our Morris County sales rep and the installation team.
    Leia L.
    Leia L.
    We had an awesome experience from picking out our carpet to installation! And it was fast - they did such a great job too !
    Joanne W.
    Joanne W.
    We worked with Louis he was very helpful and knowledgeable, very easy to talk to. He really took his time and explained and answered all my questions. The guys that laid the carpet were also very nice and did a great job.
    Pamela K.
    Pamela K.
    From the initial appointment, selection, quality to the careful installment as promised-absolutely delighted!
    Joey S.
    Joey S.
    Worked with smart carpet thru costco and had an incredible experience. Jay was extremely professional, thorough, and took his time explaining everything to us. Definitely recommend smart carpet and ask for Jay!
    Kristina N.
    Kristina N.
    Ruth was absolutely amazing! Carpet beautifully installed as well
    Lisa W.
    Lisa W.
    Jay was a pleasure to work with. He took the time to help me find the perfect product and value.
    Mike C.
    Mike C.
    Excellent quality! Workers came and finished quickly and neatly. My laundry room is really nice now. Wish I had done this sooner
    Shaimon A.
    Shaimon A.
    Excellent job done by the smart carpet, my stairs look awesome. Also the sales rep Mr.Matt cooperates a lot to give a fair price for the job.
    Kimberly B.
    Kimberly B.
    Louie was our Smart Carpet sales representative for our home in Somerset County. Louie was extremely helpful in helping us decide on the best option for our carpet needs. He was extremely knowledgeable on all of the products that were offered and explained everything in great detail and made great recommendations. Louie went the extra mile in contacting the warehouses to ensure that the selection that we made was available and could be installed in a timely manner. The installation team that arrived a few days later to install the carpet was meticulous with their work and the carpet came out perfect. Louie followed up with us every step of the way including after the carpet installation to make sure that we had no issues even days after the installation. We will be contacting Louie in the near future for our additional carpet needs and we highly recommend using Smart Carpet for your carpet needs.
    Ranae B.
    Ranae B.
    Selection was great and service was fast!
    Mehul S.
    Mehul S.
    We used their services (Somerset County) and couldn’t be more pleased. Louie, our prinary contact, was great. He coordinated the whole process and today we got the carpet installed, which was done on time and met our expectations.Overall, we were very happy with the entire process (service, pricing) and would recommend their services to anyone looking for carpeting services.
    Debbie M.
    Debbie M.
    Jim was an excellent salesman. He explained the different carpets and padding. The installers were efficient and got the carpets down in no time. Jim came the day of installation to check and make sure I was happy.
    Susan R.
    Susan R.
    Hired Smart Carpet to install new carpeting in the common areas of one of the buildings in our condo association. Couldn’t be happier with the results. These folks wet incredibly easy to work with. Within a week or so after accepting the proposal, the installers were there. Incredibly hard workers. I was concerned about damage to the somewhat newly painted walls and baseboards, but this was not an issue. I would like to mention too that the salesman, Adam, was a pleasure to work with. I highly recommend this company! One last thing, the proposal could not be beat by another carpet company.
    Ray S.
    Ray S.
    Jim was very informative, professional and friendly with our purchase! The installers were also professional and friendly. Cleaned up the area very well! Highly recommend Jim and his team at smart carpet!
    Jillian T.
    Jillian T.
    Customer service was great. Installation was so quick and looks absolutely amazing. Matt was awesome! Very knowledgeable and personable. He even came after both of the carpet installations to make sure everything went well and that we were happy.
    Shannon A.
    Shannon A.
    Smooth process from start to finish! Personable in-home consultation and follow-up with our sales manager, Andrew. Quick and efficient installation.
    Pete M.
    Pete M.
    Matt, was great, helped pick out a great style and color of carpet for my home office. Installation was smooth an done quickly, arrived on time they were in and out, and cleaned up great. Would absolutely use Matt and team again.
    Sharon S.
    Sharon S.
    Friendly sales by Ruth Kennedy, Expert installation By Sammy, and professional follow up by Adam Forbes . Would highly recommend to friends and family
    Sheetal P.
    Sheetal P.
    Worked with SmartCarpet as they are the authorized dealers who work with Costco. My estimate was done by John who was great. He reviewed all the options and was professional and through. I did have some issues during my installation but was contacted by SmartCarpet once I gave the feedback. We discussed some areas of improvement and Jude reviewed the process and offered solutions along w/ a direct number for further communication.
    Michele H.
    Michele H.
    Installers were quick, friendly, and cleaned up nicely!
    Joyce K.
    Joyce K.
    Bob was so knowledgeable & helped me pick a great kitchen floor. I just love it!
    Joe S.
    Joe S.
    Smart Carpet and Flooring did an excellent job installing our new carpet in Monroe County! Installation was a clean process and the team handling the service were great and efficient! Our representative Louie was great at walking us through all of our best options and working within our budget. I couldn’t recommend them more!
    Diedra W.
    Diedra W.
    I just had carpet put in all bedrooms. I really love it. The installation guys was very polite and made sure I was satisfied. I would definitely refer Smart Carpet to everyone. Also my representative would came to my home was fantastic.Thanks Bob
    Mary L.
    Mary L.
    Five years ago Smart Carpet put down an engineered floor throughout my new condo, five rooms. It became apparent that the flooring was not holding up well. Smart carpet addressed the issue by replacing parts of the floor. But addition issues kept cropping up. I spoke with John N, my sales rep, who came and examined the floor. He came up with a plan to replace the flooring in my entire condo after five years of use!! He replaced it with a totally new flooring that eliminated all the pitfalls that were associated with the previous product. It has now been six months since my new floor was put down. There are absolutely no issues. The installation is fabulous. I waited this long to write the review so I could see if issues developed. There are none. I couldn’t be happier. The only cost to me was the difference in the cost of the original flooring to the new flooring, minor indeed. The bottom line is that Smart Carpet stands behind their products and their installers. They value their customers!!
    Bet C
    Bet C
    Great service!
    Holli G
    Holli G
    Louie and the carpet installers were fantastic! Really went above and beyond on helping me pick out carpeting and the installers were quick and got the job done! Thank you! From Warren county
    Arif K.
    Arif K.
    Easy initial appointment and at home sales call. No pressure to purchase.Installers arrived on scheduled time and completed the work professionally. Carpet looking great.
    George C.
    George C.
    Ruth was great to deal with, would highly recommend!
    Eve C.
    Eve C.
    What an amazing carpet company! My third floor is a whole new place! I can’t say enough for Andrew and our installation team! Thank you!
    Jack N.
    Jack N.
    Matt did a very professional job. He guided us and gave excellent suggestions. Would highly recommend Matt and Smart Carpet!
    Lynn N.
    Lynn N.
    Bob from Smart carpet was terrific. Explained everything about install. Thanks Bob
    Susan B.
    Susan B.
    Bob Dolan came to my home to measure my for installation as well as show me a range of carpet choices…I found him to be patient and knowledgeable:..he really took his time in helping to educate me about the different qualities without ever making me feel pressured…he was very helpful also in showing me to how to optimize placing seams in the least intrusive location while utilizing the least square footage…I would highly recommend Bob and I would use him again in the future…
    Andrea D.
    Andrea D.
    We had a great experience with Michelle the sales rep, as well as the installation crew. It was an incredibly easy and hassle-free experience for the biggest remodel we ever did!
    Amanda B.
    Amanda B.
    Our new floors were just installed, and we absolutely love them! Price was great and installation went seamlessly! Our salesman Jay was there every step of the way to ensure we were happy! Highly recommend!
    Sanjay P.
    Sanjay P.
    Smart Carpet (Louie, John and Adam )very professional and doing great job. I highly recommends for installation of wood floor with them.
    Haley Y.
    Haley Y.
    I am thrilled that I chose this company to replace the carpet in my basement. Not only was my salesman Louie incredible, but the installer was as well. They both made this process so easy for my family and had my basement looking beautiful. I am located in Sussex county and will contain to use this company for any further installations I may need. 10/10 recommend.
    Sara C.
    Sara C.
    Had the best experience! Steve, our salesman, was so thoughtful and considerate. He spent so much time with us making sure that we were thinking through our options and making the best choices for our space. The installation was incredibly smooth and easy. The installers came on time and worked considerately all day. They cleaned up impeccably and even helped us put some stuff away. I would highly recommend Smart Carpet!
    Kathy G.
    Kathy G.
    From the first meeting for estimate to carpet install day Jim was helpful and easy to work with. The installers did a great job as well. Very happy with the new carpet! Highly recommend
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    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.

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    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