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 1202 reviews
    review us on
    Kristen V.
    Kristen V.
    Easy process and seamless installation!
    Lara B.
    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
    Karl D
    Very happy with the job SmartCarpet did in my home!
    Brenner D.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    Beee B.
    Great experience from start to finish.sales Representative Marr was do easy to work with. He didnot 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.
    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.
    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.
    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.
    Jeff M.
    Outstanding Job By Ryan The Crew The Whole Process Was Outstanding The Marinelli's Of Brick
    Rocco P.
    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.
    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.
    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.
    Michelle J.
    Michelle J.
    Our salesman Ryan was very knowledgeable and there was no pressure to purchase. The communication for the installation was excellent and most importantly, the installer was very skilled. Overall, we are extremely satisfied with our purchase.
    Tammy O.
    Tammy O.
    Our sales agent, Ryan worked with us to match the color of our existing carpet so we could recarpet our stairs. He helped us pick the right carpet to hold up to the wear and tear. The installation was great, on time and very fast. They cleaned up after themselves. Very happy with the whole experience. We will be using smart carpet again in the future!
    Christian
    Christian
    Fabulous product and installed all 4 bedrooms very quickly - came out even better than expected All employees were fabulous!
    JoAnn B.
    JoAnn B.
    Excellent customer ServiceInstallation was very goodCarpet quality is very good
    gary R.
    gary R.
    Shayne in New Egypt was very professional and great to work with. Provided helpful suggestions and information which made the decision process easy. Installation went smoothly.
    JW B.
    JW B.
    Lou was detailed and thorough during the sales process. He visited my home during installation to ensure there were no issues.Adriano, Juan and Darwin did an excellent job installing the product and cleaning up.My family is very happy with the new flooring.Jeff Bradley
    Thimothy A.
    Thimothy A.
    This guys are so good. The supervisor and the team are nice people. I will definitely call again for the entire house carpet.
    Melissa R
    Melissa R
    Could not be happier with the service from start to finish. Louis was a fantastic sales person, very happy with the choices we made and installation was great. Carpet looks and feels fantastic. 10 out of 10 highly recommend!
    Robert V.
    Robert V.
    Thank you Smart Carpet for a great experience. My wife and I have been using Smart Carpet since 2007. We finally did hardwood floors in the upstairs bedrooms and hallway in our home in New Egypt, NJ. Shayne H helped us pick our flooring and measured our home. Top notch service.
    Leigh B.
    Leigh B.
    Smart Carpet did a great job. Ruth was very helpful. Everyone was professional in the store. Happy with the carpet and installation, too.
    Meghan B.
    Meghan B.
    Nicole B was great to work with! Met me at the house with samples and was super responsive and helpful!Ty!
    George m
    George m
    Smart carpet and flooring did a great job! Louie came out to our house in Hunterdon county and got our measurement for 4 bedrooms. He clearly described the estimate and what will happen. He was showed us great options. We had an early due date and he came through. The installation went smoothly and they were professional and did great on the seams. Very happy customer!
    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!
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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