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 1166 reviews
    review us on
    Pretty GMom A.
    Pretty GMom A.
    My husband and I highly recommend Smart Carpet for your flooring needs. Great company, quality materials and knowledgeable sales consultants. We’re on our second flooring project with this company. We want to personally that Jay who was knowledgeable and patient with us. He presented great options and products to achieve our desired outcome. Oh, on a side note, I understand the owner is a diehard Philadelphia Eagles fan and so are we!! We are forever customers now! We get tons of compliments on our flooring. We can’t wait for the new stairs, hallway and master bedroom flooring to be installed. Thanks again Jay and Smart Carpet!
    Michele D.
    Michele D.
    Extremely professional company from start to finish. Salesman Bob negotiated a convenient time to come and give me an estimate. He answered all my questions and was very thorough with all information. Installation was easy and quick. Carpet looks and feels great. Excellent company to work with.
    april C.
    april C.
    Matt was awesome with setting up the installation for my kitchen floor. The carpenter was on time and completed my kitchen floor in a timely fashion. I'm loving on my kitchen again. I have used Smart carpet before 3 years ago, Smart carpet did an awesome job installing my hardwood flooring in my living room and dining room. I also had carpet put in my bedroom hallway and steps. Loving ❤️ it all. Durable long lasting and the prices are reasonable. Thanks Matt😄 Thank you Smart Carpet. I'm truly a satisfied customer 🥰
    Cindy A.
    Cindy A.
    Bill Hicks was phenomenal!! Very responsive & brought what we were looking for.Bill is our 1st & only call when we need flooring!!
    Michelle B.
    Michelle B.
    Highly recommend. Would give 10 stars. High quality flooring at a reasonable price. Quickly and professionally installed. My floors are gorgeous. Thank you Smart Carpet! And a special thank you to Bob who we felt gave us great advice and did such a wonderful job helping us decide on our flooring.
    Gerry R.
    Gerry R.
    Ruth our sales representative is awesome, had great suggestions! The installation team were very nice and did a great job. They also left the place spotless
    Julie J.
    Julie J.
    Smart Carpet did an excellent job. Dependable and efficient.
    Tom P.
    Tom P.
    Very happy with the project. Bob was the sales person we worked with, very knowledgeable and helpful. Thank you, Smart Carpet.
    DN
    DN
    We contacted Costco carpeting to check out carpeting options for our entire home, and Smart Carpet and Flooring reached out to us. They responded immediately and put us in touch with Louis. He came by with the carpet samples and armed with his thorough professional knowledge helped me to narrow my selection.After that, he immediately got involved hands on and was able to get us dates, within a couple of weeks despite our date restrictions and the installation date depending on availability and shipment.The team arrived and got to work very swiftly and efficiently. Despite the large job involving removal of old carpet in the entire house and moving large furnitures and working around that, in about 2 days they complete the entire house and even moved most of the items back. Louis was in touch with us before, during and after the installation and went the extra mile to insure we have minimal disruption. Overall, a very satisfying experience.
    Jamie L.
    Jamie L.
    Great follow through to make sure we were happy with the end result!
    Jessica D.
    Jessica D.
    Smart Carpet was super easy to work with and I’m happy with the quality of work on both my stair runner and area rug.I have a weird shape area and they were able to create a custom area rug that fits the spot perfectly.Highly recommend Smart Carpet if you need carpeting done in your home.
    Meow
    Meow
    WOW! I give Louie(sales consultant) along with Johnathan and his guys(installers) 6 stars!Louie was a absolute pleasure to work with. He is personable, honest and really goes beyond to help. Louie truly cares to make sure his client is well taken care of. Jonathan and his guys do amazing work, are very respectful and detail oriented. Could not be more pleased and will definitely recommend them without hesitation😇
    Candyce S.
    Candyce S.
    I was very pleased with the sales end and installation. Andrew helped me pick out the carpet that was right for me and gave me a great price! On the day of installation they were very punctual and did a great job installing and cleaning up afterwards. BRAVO!!
    Caryn N.
    Caryn N.
    Everything about this job from sales to install were great!
    Kristin M.
    Kristin M.
    Had my carpet put in about 6 months ago and didn’t see to be installed correctly on the stairs. It was coming off in the corners and fapping in the middle . I called smart carpet and they sent a gentlemen over by the name of Samy. He looked at the work and said this was not put in correctly we need to fix this. After speaking with smart carpet again , they offered to take the carpet off the stairs and redo the stairs again for me. Samy came to re do the stairs and it looks amazing . I am so pleased with the customer satisfaction and the quality of service I received from the sales team and the installer . Would definitely recommend and use again if I need floors or carpet installed .
    Kristal W.
    Kristal W.
    Highly recommend this company. Everything went smooth from start to finish. Bob the salesman was very knowledgeable, personable and patient with us. Sam the installer was friendly, efficient and did a wonderful job installing the carpet. If you choose this company for your flooring needs, you will not be disappointed.
    Jill V.
    Jill V.
    We are so incredibly happy with our new floors! Our salesman, Robert Dolan was wonderful with helping us decide the best flooring for our needs. He was always available for us when we had questions, and made us feel very comfortable with our purchase. I would absolutely have him help us again. The install team was very friendly, knew exactly what to do, and worked non-stop to provide us with the best install possible. The flooring is exactly what we wanted, and we can’t be happier. I will definitely be using Smart Carpet again. Thank you all!
    Anthony F.
    Anthony F.
    Jay our salesman is excellent. Very responsive and always willing to help.
    Gayle T.
    Gayle T.
    I had a good experience with Smart Carpet. Salesman/Estimator Louie was very friendly, polite and respectful. He explained everything to me and gave me his cell number in case I had any questions. Then he stopped by to see how the job was going during the install.The installers were very nice and did a great job on my kitchen floor putting down a luan base and vinyl sheet flooring.I am very happy with the end result.
    Alan C.
    Alan C.
    Smart Carpet did a great job for us in Galloway Township.Our sales representative, Joe Orlando, helped us pick the right flooring product, and the installation process included moving the heavy furniture and hauling off the old flooring, all at a competitive price.We are a repeat customer since 2005, wow, 20 years ago!
    Arnavaz P.
    Arnavaz P.
    Worked with Smart Carpet for an entire house floor project. Went from 4 different floors with multiple trip hazards to one seamless floor. Shayne provided knowledge and options. The teams were very professional, on time, and very diligent with the details.
    Julie Z.
    Julie Z.
    I’m getting my carpet replaced by Smart Carpet and Flooring. My contact is Louis Marra. He is very knowledgeable, patient and responsive to questions. His team is also very skilled at carpet work. I highly recommend their services!
    fran F.
    fran F.
    John, our salesman, came to our home. He measured the area and brought up samples of different carpets. He was very knowledgeable and very honest. John helped us choose what was best for our home. Within a week’s time the carpet with padding was installed by Sam. He was on time and did an excellent installation job. He was friendly and followed all the rules for our condo building.I would definitely recommend Smart Carpet. Everything went smoothly and we are very happy with the team at Smart Carpet.
    Deborah B.
    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.
    sharon A.
    sharon A.
    Polite and professional
    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!
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    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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    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