A whole-home flooring project, or a kitchen remodel that pairs new floors with countertops and cabinetry, is a meaningful investment - and paying for it entirely out of pocket isn't realistic, or necessary, for most Las Vegas homeowners. That's exactly why we partner with Wells Fargo and America First Credit Union to offer flexible financing, letting you get the project done on your timeline and spread the cost into manageable monthly payments.
Who Financing Typically Helps Most
We see financing used most often by two groups: growing families who need durable, larger-scale flooring throughout a home right away rather than piecing it together room by room over several years, and homeowners tackling a full kitchen or bathroom remodel where flooring, countertops, and cabinetry are all being replaced together. In both cases, waiting to save the full amount in cash often means living with a worn or disliked floor for years longer than necessary, while financing lets the project happen on a timeline that matches how the family is actually using the home right now.
Why We Offer Financing
We hear it constantly: a homeowner loves a certain hardwood, tile, or quartz countertop, but assumes it's out of reach without financing. Spreading a project's cost over time through financing means you don't have to compromise the material or scope of your remodel just to keep it within this month's budget - you can choose the floor, counters, and cabinets you actually want and pay for them over a term that fits your household.
Choosing Between the Two Financing Partners
We work with both Wells Fargo and America First Credit Union rather than a single lender because homeowners' preferences and existing banking relationships vary. Some clients prefer to finance through a bank they already use daily; others qualify for a stronger rate or term through the credit union. Rather than picking one program for you, our team lays out both options side by side during your estimate so you can compare the actual terms and choose whichever fits your situation better.
How Wells Fargo and America First Financing Works
Both partners offer straightforward application processes that can typically be completed in our showroom or from home, with decisions often coming back same-day. Terms and promotional rates vary by partner and by time of year, so we always recommend confirming current offers - like promotional low- or no-interest windows - directly with our team when you come in for your estimate, since these details change periodically.
What to Have Ready Before You Apply
Financing applications through either partner typically ask for basic identifying and income information, similar to any consumer credit application. Having a rough sense of your desired project scope ahead of time - which rooms, roughly what materials - helps our team recommend an appropriate financing amount rather than guessing at a number that's either too conservative for the project you actually want or larger than necessary. We're happy to walk through this with you before you formally apply, so there are no surprises in the process.
Financing a Full Remodel, Not Just One Room
One advantage of financing through a full-service showroom like ours is that it can cover an entire project scope at once - new flooring, stone countertops, and custom cabinetry - rather than forcing you to finance each surface separately through different vendors. That matters especially for kitchen and primary bathroom remodels, where flooring, counters, and cabinets are usually planned and installed together for the best result.
When Financing Makes the Most Sense
Financing tends to make the biggest difference for two kinds of projects: larger whole-home flooring jobs where paying cash would mean significantly downgrading the material, and combined kitchen or bathroom remodels where flooring, countertops, and cabinetry are all being replaced at once. In both cases, spreading the cost over a term lets homeowners choose the product and finish they actually want the first time, rather than settling for a lower grade now with plans to upgrade again later - which usually ends up costing more in total over time.
Budgeting for Monthly Payments
Before you apply, it helps to have a rough sense of your total project cost and how a given term length affects your monthly payment. Our team will walk you through real numbers during your free in-home estimate - not vague ranges - so you can see exactly what a specific floor, counter, or cabinetry package would cost per month before committing to anything.
- Get your in-home estimate first so financing conversations are based on real, itemized numbers.
- Ask about current promotional terms - these change throughout the year.
- Consider financing the full project (flooring plus countertops and cabinetry) rather than piecing it out over separate purchases.
- Bring your questions about approval timelines; most decisions come back quickly.
Ready to see real numbers for your project?
Schedule your free in-home estimateStart With a Free Estimate
Financing conversations are always easier once you have an actual quote in hand. Book a free in-home estimate and we'll measure your space, walk you through material options, and give you a written price - then help you explore Wells Fargo or America First financing if you'd like to spread the cost over time. Read what other valley clients have said about the process on our reviews page.
