A new floor is a real investment, and most homeowners would rather not write one large check for it. We offer financing for qualified customers through GreenSky and Synchrony, and most decisions come back within minutes. The two paths people choose between are "same-as-cash" and a longer fixed-rate plan. They solve different problems.
12-month same-as-cash
Same-as-cash means you spread the cost over a promotional window - in our case 12 months - and if you pay the balance in full before that window closes, you pay no interest. It is the right fit when you have the money but would rather keep it working elsewhere for a year, or when a bonus or tax refund is coming and you want to time the payoff. The key word is discipline: the interest savings only happen if the balance is cleared inside the promo period.
60 to 84-month fixed-rate
A fixed-rate plan stretches the project over five to seven years at a set monthly payment and a set interest rate. It is the right fit when you want the lowest possible monthly number and predictable budgeting rather than a fast payoff. You pay interest over the life of the loan, but you know exactly what the payment is every month from day one.
Which one fits you
- Can clear the balance within a year and want to avoid interest: 12-month same-as-cash.
- Want the smallest, most predictable monthly payment: 60 to 84-month fixed-rate.
- Not sure: we can walk through both against your project total at the estimate.
Financing is offered for qualified customers and the exact terms depend on the lender and your application. The takeaway is simple: the price of the floor and how you pay for it are two separate decisions, and you have options on both.