Flooring Financing

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Flooring Financing With Acorn Finance

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Hardwood Flooring Financing

Acorn Finance gives you control when shopping for low rates on a loan to buy new flooring. We know home improvement loans like nobody else, and we let you compare personalized offers from lenders in our network with no impact to your credit score. That means multiple loan offers for your new flooring in seconds.

We’ll even help you check for pre-qualified flooring financing in seconds with our broad network of national lending partners. You can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. That means whether you’re looking for a loan to repair your home or plan to remodel in the future, Acorn has your back.

Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance your new flooring without the hassle.

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New Flooring Financing With Acorn Finance

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Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

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In some cases, you can receive your funds in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

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Flooring Financing Options for a New Hardwood Floor


If your home is in need of new flooring, but you don’t currently have enough funds to pay for the project upfront, you might think you’re out of luck. Fortunately, flooring financing makes it easy for almost anyone to get a floor they’ll love without paying for it all at once.


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The description of a house as being “four walls and a roof” might technically be accurate, but if one more item were added to that description, it’d likely be a floor.

We often take floors for granted, yet we walk on them from the moment we step foot inside our homes. Flooring spans from room to room — upstairs and down — and generally covers every square inch of a home’s foundation. For this reason, flooring also tends to be quite expensive.

What Is Flooring Financing?

Flooring financing is a financial arrangement in which a homeowner has a new floor installed but pays for it over the course of several months — or even years — rather than paying for it when the job is done. This type of arrangement makes a lot of sense for many homeowners, and numerous flooring finance companies exist to help such buyers.

Do You Need Good Credit to Finance New Floors?

If you’re considering financing a new floor, you might be wondering how your credit history factors into the arrangement and if you need to need to have good credit in order to get approved. In most cases, your credit record — and specifically your credit score — will play a role in determining whether or not you’re approved for financing. And if your credit score is less than stellar, yet you are still approved for flooring financing, bad credit could translate into higher interest rates and shorter repayment periods.

How Much Does It Cost to Install 1,000 Square Feet of Hardwood Floors?

The cost of hardwood flooring for your home can vary dramatically based on several factors, namely the type of wood you choose and the cost of living in your community. For instance, flooring made from cherry, walnut, or maple wood is typically more expensive than flooring made from oak or ash wood. And if you happen to live somewhere such as San Francisco, New York, or Washington, D.C., you can expect to pay significantly more for 1,000 square feet of hardwood flooring than you would pay in rural Indiana.

According to popular hardwood flooring cost calculators, the average cost to install 1,000 square feet of oak or ash wood flooring starts around $5,500 but could be as pricey as $15,000 based on where you live. And 1,000 square feet of the more expensive woods (i.e., cherry, walnut, and maple), can cost anywhere from $8,500 to $20,000 at the end of the day.

How Much Does It Cost per Square Foot to Install Hardwood Flooring?

Based on the above figures, the cost of hardwood flooring per square foot can range from $5 to $15 for oak or ash wood, and from $8 to $20 for cherry, walnut, or maple flooring. And although pricing remains relatively fixed throughout the year, the best time to buy hardwood floors is usually in the fall, when weather conditions in North America are more favorable for installation.

How Do You Calculate How Much Hardwood Flooring Is Needed?

In order to find out roughly how much hardwood flooring you’ll need, all that’s required is a tape measure and perhaps a calculator. Start by measuring the length of a room, then multiply that number by the room’s width. Repeat for each room and add the totals up to get an estimate of the amount of flooring you’ll need.

What Is the Lowest-Cost Material for a New Floor?

If hardwood flooring is too rich for your blood, you’ll be happy to hear that there are numerous less-expensive options including laminate flooring, ceramic tiles, cork, and carpet. Perhaps the lowest-cost alternative, though, is sheet vinyl flooring, which can be as cheap as $0.50 per square foot.

What Is the Priciest Material for a New Floor?

If money is not an object and you only want the best material on the market, stone flooring is generally considered as good as it gets. Stone offers several advantages over other types of flooring, but it can also be near-impossible to repair a chip or crack should one occur.

Does It Matter If I Get Wood or Carpet Flooring?

The decision of wood versus carpeted flooring comes down to your personal taste and what you like to feel beneath your feet. Many people prefer hardwood flooring for its timeless appearance and ease of maintenance, yet others opt for the soft, cushiony feel of carpeting. Regardless of which type of flooring you choose, financing options will likely be available to you.

What Is Needed to Secure New Flooring Financing?

If you’re ready to secure new flooring financing, in most cases, you’ll simply need to fill out an application. These applications generally ask for personally identifiable information such as your name, address, and social security number, but you should be prepared to answer questions about your finances and your home’s dimensions.


Hopefully, you now have a better understanding of what’s involved with financing your flooring. Ready to take the next step? Start comparing your options to find the best flooring financing company for you.

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