Find out what you qualify for in two minutes.
Before you decide on a floor, you can see what monthly payment options are open to you. It takes about two minutes, it will not affect your credit score, and nobody calls you about it.
No effect on your credit score
Honey Oak, New Mountain
How it works
Four steps, and you can stop after any of them.
1
Check your options
A short form on Acorn Finance's site. It is a soft credit check, so it will not affect your credit score, and you are not applying for anything yet. About two minutes.
2
Compare what comes back
You see the offers you pre-qualify for from 9 lenders side by side, rather than whatever one bank decides. You pick, or you walk away.
3
Choose an offer
Only now does the lender run a full credit check, and only with the one you picked. Everything up to here is yours to walk away from.
4
We lay your floor
The lender pays you, you pay us the way you would have anyway, and the job runs exactly as it would have without any of this.
If you have been turned down before, this is not the same thing.
A single bank gives you one answer. The headline offers you see advertised around Metro Detroit are usually written for the strongest credit, and if yours is not that, the answer is no and that is the end of it.
This is a panel of 9 lenders with different rules. Some of them consider credit scores in the 500s. That is not a promise that you will be approved, and we are not the ones deciding. It does mean one no is not every no, and finding out costs you two minutes and nothing else.
The plain facts
- Rates start from 6.49% APR
- For the strongest credit. Your own rate depends on your credit and on which lender you choose, and rates change, so treat this as a starting point rather than a quote.
- Loans up to $100,000
- Far more than a floor costs, so the size of the loan is rarely the thing that decides what you can do. It does mean you can do the stairs and the hallway at the same time instead of coming back to them.
- Checking does not affect your credit score
- The first step is a soft credit check. A hard check only happens later, if you choose an offer and decide to go ahead with that lender.
- It costs you nothing to look
- There is no fee to check, no obligation to take an offer, and no cost to us either, so there is nothing for us to recover in your price.
What we do and do not decide
We install floors. Acorn Finance runs the financing and the lenders make the decisions. We do not see your credit file, we are not told why an answer went the way it did, and we are not paid by the lender for sending you.
It is here because the question comes up on nearly every estimate, and because finding out early is better than finding out after you have fallen for a floor.
Or check your options first, below.
Spread the cost over time
A new floor does not have to come out of savings all at once. You can check what monthly payment options you qualify for before you commit to anything.
See my payment optionsFinancing is arranged by Acorn Finance with third-party lenders. The Floor Guys is not a lender and does not decide who qualifies.
Rates and lender details read from Acorn Finance on 2026-09-25. Lenders set their own rates and terms and can change them at any time.