Pay over time at BuildDirect

BuildDirect sells hardwood, vinyl, laminate and tile flooring plus project supplies online. We confirmed Flex Pay by Upgrade here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Flex Pay by Upgrade

APR
0% to 36%
Credit check
Soft check only

Checked Nov 12, 2026 The store’s website says it offers Flex Pay by Upgrade

Store offer, minimum and plan lengths are from BuildDirect’s website. APR and credit check are Flex Pay by Upgrade’s general terms.

What a plan could cost

Example: Taylor Resolute Unlimited Moisture Vapor Barrier, Hard-Set, Elastomeric Adhesive at $354.99 (price on Nov 12, 2026), paid monthly over 12 months with Flex Pay by Upgrade financing, where the store offers it.

APRMonthlyTotal paidInterest
0%$29.58$354.99$0.00
19.99%$32.88$394.59$39.60
36%$35.66$427.96$72.97

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at BuildDirect

  1. Add what you want to your cart on builddirect.com.
  2. Apply for Flex Pay by Upgrade at checkout or on the store’s financing page.
  3. Flex Pay uses a soft credit check, which doesn't affect your score.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about BuildDirect financing

Does BuildDirect offer financing?

Yes. We confirmed Flex Pay by Upgrade at BuildDirect on Nov 12, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at BuildDirect affect my credit score?

Flex Pay by Upgrade uses a soft credit check only, which doesn't affect your score. Loans are reported to the three credit bureaus.

Can I use Flex Pay by Upgrade in a BuildDirect store?

We checked online shopping at BuildDirect only. If the store has physical locations, ask there whether financing is available.

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