Flooring Financing for Flexible Payment Options 

At H & R Carpet  in Waco, TX, we understand that investing in new flooring—whether for a home or a commercial space—is a big decision. High-quality floors not only improve the look of your space but also increase its value and functionality. However, the upfront cost can sometimes be a hurdle. That’s why we offer flexible flooring financing options to help you get the floors you want now, without straining your budget.


As a family-owned business for three generations, we’re committed to making your flooring project as smooth and stress-free as possible. Our financing plans are designed to provide the flexibility you need to turn your dream floors into reality.

Financing for Flooring Products and Installation Services

We offer financing solutions that cover both flooring products and professional installation services for residential and commercial customers. Whether you’re looking for a small upgrade or a complete renovation, our financing options allow you to pay over time instead of all at once. Our financing is available for all the top brands we carry, including:

  • Armstrong Flooring
  • Daltile
  • Dreamweaver
  • Green World Industries
  • Mohawk
  • MSI
  • Shaw Floors
  • Smart Squares

This means you can choose from a wide variety of materials—like hardwood, luxury vinyl plank, carpet, tile, or laminate—without compromising on quality or style.

Gray tiled flooring with a dark square tile partially covering an adjacent tile, interior setting.

Benefits of Our Flooring Financing Options

When you choose financing through H & R Carpet, you gain more than just a payment plan—you gain flexibility, convenience, and peace of mind. Here’s what our financing can offer:

Budget-Friendly Payments

Spread the cost over time with manageable monthly installments.

Access to Premium Brands

Choose the flooring you truly want, not just what fits your immediate budget.

No Project Delays

Start your installation right away without waiting to save up.

Tailored Plans

Financing terms that fit your financial situation.

Full Project Coverage

Apply financing to both materials and professional installation.

How Flooring Financing Works at H & R Carpet

We’ve made the financing process as simple and straightforward as possible. Here’s how it works:

1.Select Your Flooring – Visit our showroom or schedule an in-home consultation to choose your preferred flooring material, style, and brand.

2.Get a Detailed Quote – We’ll provide a full estimate for materials and installation.

3.Discuss Financing Options – Our team will explain the available financing plans, terms, and payment schedules.

4.Apply and Get Approved – The application process is quick, and approvals are often immediate.

5.Schedule Your Installation – Once approved, we’ll schedule your flooring installation so you can start enjoying your new space sooner.

Financing for Residential and Commercial Flooring Projects

Our financing options aren’t just for homeowners—they’re also ideal for businesses looking to update their floors without impacting cash flow. Whether you run a retail store, office, restaurant, or rental property, our payment plans can help you maintain a professional, polished look while keeping your budget intact.


For homeowners, financing makes it easy to tackle large-scale renovations, replace outdated flooring, or upgrade to premium products that offer better performance and longer lifespans.

Why Financing Makes Your Flooring Project Valuable

Financing your flooring project can free up your resources for other priorities while allowing you to enjoy the benefits of new flooring immediately. Instead of postponing your project or settling for a lower-quality option, financing lets you invest in durable, beautiful floors that will last for years to come.


Plus, by upgrading your flooring now, you can increase the comfort, value, and appeal of your property sooner—whether you plan to stay for the long haul or prepare for resale.

Your Trusted Flooring Partner in Waco, TX

At H & R Carpet, customer care is at the heart of everything we do. From the first consultation to the final installation, we make sure every step of your project is handled with professionalism and attention to detail. Our financing options are just one more way we help our customers get the best service, quality, and value. Call us at (254) 826-3062 to schedule your free on-site estimate.