Remodel Financing in Louisville, KY & Florence

FINANCING AVAILABLE
Low- and No-Interest Financing
Get the kitchen or bath you want now and pay over time. Builders Surplus offers low- and no-interest financing for qualified buyers through our partner, Hearth — and checking your options won’t affect your credit score.
Book a Free Design AppointmentCall Louisville 502-968-8858Call Florence 859-261-3111

How Financing Works

1Design & price your projectMeet with a Builders Surplus designer — free — to plan your kitchen or bath and get a clear price.
2Apply with your designerIn store or with your designer, check your options through Hearth in minutes. Pre-qualifying uses a soft credit check.
3Pick your plan & get startedCompare low- and no-interest offers, choose the monthly payment that fits, and start your remodel.

Why Finance Your Remodel with Builders Surplus

  • Low- and no-interest options for qualified buyers
  • Compare multiple lenders through Hearth and choose the best fit
  • No impact to your credit score to check your options
  • One simple monthly payment instead of paying all at once
  • Already 40–60% below big-box prices — financing makes it even easier to get started

What You Can Finance

Get Started with a Free Design Appointment

Tell us about your project and a Builders Surplus designer will reach out to schedule your free appointment. We’ll price your project and walk you through your financing options.

Financing — Frequently Asked Questions

What financing does Builders Surplus offer?

Builders Surplus offers low- and no-interest financing options for qualified buyers through our financing partner, Hearth. Hearth lets you compare offers from multiple lenders so you can choose the plan and monthly payment that fit your budget.

Will checking my financing options affect my credit score?

Pre-qualifying through Hearth uses a soft credit inquiry, so checking your options will not affect your credit score. A full credit check happens only if you choose an offer and move forward with a lender.

How do I apply for financing?

Apply in store or with your Builders Surplus designer. We will design and price your project first, then help you apply and compare your financing options in a few minutes.

What can I finance?

You can finance your remodel with Builders Surplus — kitchen cabinets, countertops, bathroom vanities, flooring, tile, doors, windows, and more. Ask your designer what can be included in your project.

Who qualifies for no-interest financing?

No-interest and low-interest offers are available to qualified buyers and are subject to credit approval. Rates and terms vary by lender and by your credit profile.

Do I need to finance my whole project?

No. You can finance all or part of your project, and many customers combine financing with a down payment to keep monthly payments low.

Financing is subject to credit approval. Rates, terms, and availability vary by lender and credit profile. Hearth is a financing marketplace; Builders Surplus does not issue loans. See store for details.

Visit Builders Surplus

Louisville Store

5600 Poplar Level Road, Louisville, KY 40228

502-968-8858

Hours: Mon–Fri 9–5:30 · Sat 9–5 · Sun Closed

Get directions →

Florence Store

6825 Burlington Pike, Florence, KY 41042

859-261-3111

Serving greater Cincinnati & Northern Kentucky

Hours: Mon–Fri 9–5:30 · Sat 9–5 · Sun Closed

Get directions →

Selection, pricing, and availability vary by location and are subject to change. Limited quantities — while supplies last. Call your nearest store to confirm current inventory.