topic Re: Empire Carpet Financing in Credit Cards

Empire Carpet Financing

Jasonc126 — Thu, 10 Mar 2016 01:29:20 GMT

Does anybodyy know what score you need to be approved for Empire Carpet FInacncing and do they approve people with bankruptcy?

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 02:17:05 GMT

who are they backed by? i haven't heard of it

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 02:22:37 GMT

@Jasonc126 wrote:
Does anybodyy know what score you need to be approved for Empire Carpet FInacncing and do they approve people with bankruptcy?

I don't have answers to your actual questions, unfortunately.

However, I would nudge you in the direction of area rugs. They're cheaper and easy to move around (and easy to remove when they get old/gross/stained/flooded/disintegrate and release dust into the air).

Plus, carpeting just generally strikes me as a low-priority, not-that-sensible thing to finance. Houses? Sure. Cars? Okay. Carpeting? Not so much.

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 02:39:15 GMT

When i did my carpet through empire they went thro synchrony bank. I had BK at the time, had no problems getting financed.

Re: Empire Carpet Financing

Kevin86475391 — Thu, 10 Mar 2016 03:14:47 GMT

@Anonymous wrote:
However, I would nudge you in the direction of area rugs. They're cheaper and easy to move around (and easy to remove when they get old/gross/stained/flooded/disintegrate and release dust into the air).

I agree, I'd go with area rugs over carpenting too, much easier to clean and replace.

Anyway, on a different note, a quick Google search indicates they might be backed by Wells Fargo.

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 06:51:51 GMT

I believe they are Wells Fargo now for the actual credit card financing but there's still a sync version too. I got an email from them today and it looks like when I just clicked it, the page asked for your city and state, it might be determined by that which one is used.

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 08:22:56 GMT

Here's the information I found online. http://www.empiretoday.com/specials/financing

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 14:09:42 GMT

Makes me thinking of that phone # and those TV ads...

Probably the only consistent ad I've heard for at leat 40 freaking years LOL

I'm late 40's and still remember these dudes from my big wheel and tricycle days

1-800-588-da-da -da

never bought anything from 'em but they were a constant in the background growing up

they're still kicking huh

Some things will never go out of business, guess carpets one of 'em haha

Re: Empire Carpet Financing

lindsaydruart — Thu, 10 Mar 2016 16:46:22 GMT

Don't do it. It's like a good 30% markup on the price. We used them in a rental property and almost paid double what we would have if we had went to Home Depot or Lowes. They are GRAVELY expensive.

Re: Empire Carpet Financing

Anonymous — Thu, 10 Mar 2016 17:42:47 GMT

Empire got changed from empire to empire today… lol… kind of like when Italian restaurant can't pay its bills and then it just becomes Antonio's Jr from papa tony's

Re: Empire Carpet Financing

Anonymous — Fri, 11 Mar 2016 03:49:45 GMT

They finance through Wells Fargo. I had hardwood floors put in through Empire Today and they use Wells Fargo. They are pretty hard to get. I just tried to get a CLI and was denied.

Re: Empire Carpet Financing

Anonymous — Fri, 11 Mar 2016 04:38:57 GMT

Is carpeting something most people finance?

It just strikes me as a low priority, and not something anyone should buy until they had quite a few other financial goals accomplished. In my book, that would mean a carpet buyer could pay for it outright. If you really need it in one room, just get it in the one room and pay for it outright.

I'm not a flipper, but I've helped out with several much-needed renovations. Carpeting is good for a few years, but then it becomes a negative. It lingers around and it takes a lot of effort to get rid of it. Financing carpet seems like marrying a dusty zombie.

There may be some sample selection bias here, though. I've seen more than my share of water/cat pee damage. Some people may find it economical to get carpets and have them properly cleaned and maintained...the cleaning's not cheap, though.

Re: Empire Carpet Financing

Anonymous — Fri, 11 Mar 2016 10:21:17 GMT

@Anonymous wrote:
Is carpeting something most people finance?

It just strikes me as a low priority, and not something anyone should buy until they had quite a few other financial goals accomplished. In my book, that would mean a carpet buyer could pay for it outright. If you really need it in one room, just get it in the one room and pay for it outright.

I'm not a flipper, but I've helped out with several much-needed renovations. Carpeting is good for a few years, but then it becomes a negative. It lingers around and it takes a lot of effort to get rid of it. Financing carpet seems like marrying a dusty zombie.

There may be some sample selection bias here, though. I've seen more than my share of water/cat pee damage. Some people may find it economical to get carpets and have them properly cleaned and maintained...the cleaning's not cheap, though.

Re: Empire Carpet Financing

Anonymous — Fri, 11 Mar 2016 20:39:15 GMT

@Anonymous wrote:
Is carpeting something most people finance?

It just strikes me as a low priority, and not something anyone should buy until they had quite a few other financial goals accomplished. In my book, that would mean a carpet buyer could pay for it outright. If you really need it in one room, just get it in the one room and pay for it outright.

I'm not a flipper, but I've helped out with several much-needed renovations. Carpeting is good for a few years, but then it becomes a negative. It lingers around and it takes a lot of effort to get rid of it. Financing carpet seems like marrying a dusty zombie.

There may be some sample selection bias here, though. I've seen more than my share of water/cat pee damage. Some people may find it economical to get carpets and have them properly cleaned and maintained...the cleaning's not cheap, though.

People finance carpet, cars, furniture, and many more things. How do you know they need the carpet in one room? What if they're getting carpet put in their rental property? Just food for thought.

Re: Empire Carpet Financing

Anonymous — Sat, 12 Mar 2016 00:58:23 GMT

@Anonymous wrote:
@Anonymous wrote:
Is carpeting something most people finance?

It just strikes me as a low priority, and not something anyone should buy until they had quite a few other financial goals accomplished. In my book, that would mean a carpet buyer could pay for it outright. If you really need it in one room, just get it in the one room and pay for it outright.

I'm not a flipper, but I've helped out with several much-needed renovations. Carpeting is good for a few years, but then it becomes a negative. It lingers around and it takes a lot of effort to get rid of it. Financing carpet seems like marrying a dusty zombie.

There may be some sample selection bias here, though. I've seen more than my share of water/cat pee damage. Some people may find it economical to get carpets and have them properly cleaned and maintained...the cleaning's not cheap, though.
People finance carpet, cars, furniture, and many more things. How do you know they need the carpet in one room? What if they're getting carpet put in their rental property? Just food for thought.

My carpet was 6800 that i had installed at the time from empire was like a 36 mo same as cash or something like that. So i did the finacing.

My current house I did the pergo my self for a fracton of the price of what i was qouted for carpet. Had helped my buddy do his, was super easy.

Re: Empire Carpet Financing

Anonymous — Sat, 12 Mar 2016 01:12:43 GMT

@Anonymous wrote:
@Anonymous wrote:
Is carpeting something most people finance?

It just strikes me as a low priority, and not something anyone should buy until they had quite a few other financial goals accomplished. In my book, that would mean a carpet buyer could pay for it outright. If you really need it in one room, just get it in the one room and pay for it outright.

I'm not a flipper, but I've helped out with several much-needed renovations. Carpeting is good for a few years, but then it becomes a negative. It lingers around and it takes a lot of effort to get rid of it. Financing carpet seems like marrying a dusty zombie.

There may be some sample selection bias here, though. I've seen more than my share of water/cat pee damage. Some people may find it economical to get carpets and have them properly cleaned and maintained...the cleaning's not cheap, though.
People finance carpet, cars, furniture, and many more things. How do you know they need the carpet in one room? What if they're getting carpet put in their rental property? Just food for thought.

I simply suggested that if OP really wanted carpeting, reducing the scale of the installation might be worth considering.

As far as putting it into a rental unit? Maybe that's something renters demand in some markets, but IME (mostly upper-middle-income residences/apartments in southern CA) the return isn't there. It's a big capital outlay for the owner and would only make sense as part of a very long-term lease. Renter tastes vary, and making a big financial commitment to a non-essential feature of a property doesn't make sense IME since it's unlikely to justify a higher rent. Maybe OP's market is different (if it is indeed for an income property).

Or maybe the floor underneath is just really, really ugly. That could be it.

Re: Empire Carpet Financing

Chris679 — Sat, 12 Mar 2016 05:14:03 GMT

Could easily be particle board under the carpet. A lot cheaper to just put new carpet in vs installing hardwood floors.

Re: Empire Carpet Financing

thom02099 — Sat, 12 Mar 2016 19:09:25 GMT

@Chris679 wrote:
Could easily be particle board under the carpet. A lot cheaper to just put new carpet in vs installing hardwood floors.

Not always. Really depends on the situation. And one also needs to consider return on investment.

If it's a rental property in "flyover states USA" (meaning other than left coast and east coast), owners typically will put in cheap(er) carpet. Or cheap(er) hardwood or laminate flooring. They expect it to last XX number of years, and then have to replace it. Cheap carpet gets really nasty in just a few years; hardwood/laminate not so much.

If it's for a primary residence, where one is going to stay awhile, or higher end rental, it's cheaper to go with hardwood versus carpet. As someone pointed out above, they paid $6800 for carpet (presumably including pad and installation). I put in a high quality bamboo hardwood floor in all but the kitchen/dining area in my ranch style home for a LOT less than $6800. And I did do some comparison shopping on hardwood vs carpet, the hardwood won out with every comparison. I purchased my flooring from Lumber Liquidators (real, not erzatz hardwood), and paid my contractor neighbour to install it. Bamboo hardwood flooring is very durable, easy to clean, and looks great. I agree with CarefulBuilder, consider hardwood flooring and add in area rugs. These can be changed out periodically, giving a room a whole new look. Go with a patterned rug, for example, for a while, then maybe change out to a colourful/floral rug at a later time. Much more flexibility that way.

Specifically regarding Empire, when I was researching, their "good" prices were on just a select few choices of carpet, and there was "encouragement" to upgrade to a different, more expensive carpet. As always with any purchase, whether paid in full or financed, YMMV. I did in fact finance my purchase with LL with their card (0% interest for 24 months) paid it off in 1/3 the time allotted and closed the card. Suited my needs.

Re: Empire Carpet Financing

Chris679 — Sat, 12 Mar 2016 23:52:58 GMT

@thom02099 wrote:
@Chris679 wrote:
Could easily be particle board under the carpet. A lot cheaper to just put new carpet in vs installing hardwood floors.

Not always. Really depends on the situation. And one also needs to consider return on investment.

If it's a rental property in "flyover states USA" (meaning other than left coast and east coast), owners typically will put in cheap(er) carpet. Or cheap(er) hardwood or laminate flooring. They expect it to last XX number of years, and then have to replace it. Cheap carpet gets really nasty in just a few years; hardwood/laminate not so much.

If it's for a primary residence, where one is going to stay awhile, or higher end rental, it's cheaper to go with hardwood versus carpet. As someone pointed out above, they paid $6800 for carpet (presumably including pad and installation). I put in a high quality bamboo hardwood floor in all but the kitchen/dining area in my ranch style home for a LOT less than $6800. And I did do some comparison shopping on hardwood vs carpet, the hardwood won out with every comparison. I purchased my flooring from Lumber Liquidators (real, not erzatz hardwood), and paid my contractor neighbour to install it. Bamboo hardwood flooring is very durable, easy to clean, and looks great. I agree with CarefulBuilder, consider hardwood flooring and add in area rugs. These can be changed out periodically, giving a room a whole new look. Go with a patterned rug, for example, for a while, then maybe change out to a colourful/floral rug at a later time. Much more flexibility that way.

Specifically regarding Empire, when I was researching, their "good" prices were on just a select few choices of carpet, and there was "encouragement" to upgrade to a different, more expensive carpet. As always with any purchase, whether paid in full or financed, YMMV. I did in fact finance my purchase with LL with their card (0% interest for 24 months) paid it off in 1/3 the time allotted and closed the card. Suited my needs.

I'm saying it's cheaper to replace existing carpet vs installing hardwood floors. I'm not talking about ROI, I'm not talking about bamboo flooring which is not hardwood and I'm not talking about cheap laminate which is also not real hardwood flooring. You can buy carpet for $.75 a square foot. You can't sniff hardwood flooring for less than $3 a square foot. For what it is worth I 100% agree with you about carpet sucking which is why I just put in 3/4" solid maple in the first floor of my house.

Also, if there is existing carpet it is almost certainly safe to assume that you can just replace it w/o having to mess with the sub floor. If you have to rip up particle board to install hardwood flooring then you may have to beef up the sub floor like I did.