Install your floors now. Pay over time.

What is Wisetack?

Wisetack is a third-party lender we work with to handle financing. They run the loan, we coordinate the floor. That separation matters: you deal with a licensed lender for the money side, and you deal with the At Home Flooring team for everything else. Applying takes about two minutes and uses a soft credit check, so just checking your offers has no impact on your credit score.

0% APR — actually 0%

For qualified buyers, 0% APR means 0%. No deferred-interest tricks, no balloon payment at month 13 that tacks on back-interest if you miss it. Pay the flooring price divided by the number of months, and you’re done.

• 3 months

  0% APR

  Qualified buyers

• 6 months

  0% APR

  Qualified buyers

• 12 months

  0% APR

  Qualified buyers

• 24 months

  Small APR (varies)

  Based on credit profile

How it works

1. 1

   Apply online

   During or after your in-home consult, from your phone or laptop. Takes about two minutes.

2. 2

   See your offers in ~60 seconds

   Wisetack runs the soft check and shows you what you qualify for, including APR and monthly payment for each term.

3. 3

   Pick a term

   3, 6, 12, or 24 months — whichever monthly payment fits your budget.

4. 4

   Sign electronically

   And we schedule your install. No paperwork back-and-forth, no waiting on a mailed check.

Sample monthly payments

Sample payments assume approval at the 0% APR tier for 12 month and shorter terms. 24-month payments include a representative APR and will vary slightly based on your approved rate.

Financing FAQ

Does applying hurt my credit?

No. The application is a soft credit check. It's invisible to other lenders and has zero impact on your score. Only if you accept an offer and sign does it convert to a hard pull.

What if I don't qualify for 0%?

We can usually still get you a competitive rate through Wisetack on the 24-month term, or a longer term at a standard APR. The payment options you see after applying are the real ones — pick what works and move forward, or don't.

Can I pay the loan off early?

Yes. No prepayment penalty on any Wisetack term. If you get a bonus or a tax refund three months in, pay it off and you're done.

Do you take other payment methods?

Cash, personal check, and all major credit cards — all fine. Wisetack is for customers who want to spread the cost over time; it's not required. A lot of our customers put the deposit on a card for points and finance the balance.