Financing
Spread the cost, see the math
Most floors are paid for in one go, but a whole main floor doesn't have to be. Financing is offered through an independent consumer lender on approved credit. Here's how the plans work, in plain language.
Payment plans
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Option 01
12 equal payments, 0% interest
For jobs over $2,500, on approved credit. Your total is split into 12 equal monthly payments with no interest, as long as payments are made on time.
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Option 02
Fixed-rate plan, 24 to 60 months
A fixed monthly payment for larger projects. The rate depends on the lender's credit decision; recent approvals have ranged from about 7.99% to 19.99%.
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Option 03
Pay as we go
No financing at all: a 30% deposit to order material, and the balance on the day we finish. Cash, debit, e-transfer or credit card.
Payment example
Change the amount, the term or the rate and the arithmetic updates. It's an example to plan with, not a credit offer: your rate comes from the lender.
Monthly payment
$258.10
- Monthly rate: 9.99% ÷ 120.8325%
- Payment = P x r ÷ (1 − (1 + r)^−n)$258.10
- Total of 36 payments$9,291.60
- Interest paid$1,291.60
Example only. Actual rates, fees and approval are set by the lender. Read their agreement before you sign.
The plain terms
- Your quote is the same price whether you pay cash or finance.
- Financing is offered by the lender, not by us, and is subject to their credit approval.
- Read the lender's terms before you sign. Ask them directly what happens if a payment is late.
- Applying takes about ten minutes and gives you a decision the same day in most cases.
Questions
Does financing change the price of my floor?
No. The quote is the same whether you pay cash, by card or through the lender.
Does applying affect my credit score?
Ask the lender before you apply. Many start with a soft check that doesn't affect your score and only run a full credit check if you accept the offer.
Can I pay it off early?
On the plans we offer, yes, with no penalty. Confirm it in the lender's agreement before you sign; it should say so in writing.
When do I apply?
After your written quote, so you're applying for the real number. Approval usually comes back the same day.
Free within 45 km of Kingston
Start with the real number
Financing works best on a written quote. Book the free in-home measure and you'll have one within two business days.
Rather talk it through? Call (613) 555-0146. Priya answers weekdays, 8 to 5.