Short answer: Yes. THE BOSS offers promotional financing through Synchrony on flooring, fencing, decking and building supplies. You pay no interest if the purchase is paid in full within 12 months. Minimum monthly payments are required, and it's subject to credit approval. And if you want the project done before the family shows up, today is not "sometime." Today is 100 days out from Thanksgiving.
The short version, if you're skimming:
- You pay no interest if the purchase is paid in full within 12 months. Minimum monthly payments required, subject to credit approval.
- This is deferred interest — interest accrues from the purchase date and is only waived on full payoff inside the window.
- Divide your total by twelve and pay that, not the statement minimum. The minimum is not designed to pay it off in time.
- You can prequalify online in about two minutes with no impact to your credit score, and shop the same day if approved.
- A floor or fence needs about 10–12 weeks from first quote to finished — so start earlier than feels necessary.
Let's talk about a specific kind of stress – that we all know.
It's the second week of November. You're standing in your kitchen at 10 p.m. with a legal pad, working out where everybody sleeps. Your sister's flying in Tuesday. Your in-laws drive up Wednesday and they are early people. And somewhere between the headcount and the grocery list, your eye lands on it — the hallway floor. The one with the seam that's been lifting since 2023. The one you've been meaning to deal with.
And you think: not this year either.
Or it's the backyard. The fence that went gray and started leaning after that ice storm, the one with the picket your neighbor's dog keeps working on. You've stopped seeing it most days. But you'll see it when twenty people are standing in your yard holding paper plates.
Here's the thing nobody tells you: it's almost never the money that stops the project. It's the timing of the money. The floor costs what it costs. But writing one big check in October — when you've got tuition, and travel, and a Christmas list, and whatever the truck decides to do — that's what kills it. Every year.
That's the exact problem promotional financing solves. Not "can I afford this," but "can I afford this right now, all at once, in this particular month."
So let's talk honestly about how it works, what actually drives the cost of these projects in North Texas, and what 100 days really buys you.
What is this financing, exactly — and what is it not?
You buy your material today. You make minimum monthly payments starting right away. You pay no interest if the purchase is paid in full within 12 months.
It runs through Synchrony, which is the same lender behind a lot of home-improvement and furniture financing you've probably used before. You can check whether you prequalify online in about two minutes with no impact to your credit score, and if you're approved you get a temporary account number you can use to shop with us the same day.
Now here's the part I'd want a friend to tell me, so I'm telling you:
This is deferred interest, not forgiven interest. Meaning: the interest is sitting in a bucket the whole time, adding up from the purchase date. Pay the balance in full within the promo window and the bucket gets dumped and you owe nothing. Miss it — even by a little, even if you paid 90% of it — and that whole bucket of accrued interest lands on your statement.
Two more things worth knowing, because they trip people up. Deferred interest does not mean deferred payments — minimum monthly payments are required and they start immediately. And that minimum payment will usually not pay the purchase off inside the promo window. It is not designed to.
This is not a gotcha. It's just how the product works, everywhere, at every retailer. And it costs you nothing in interest if you do one thing:
Take your total, divide it by the number of months in your promo, and pay that number every single month. Not the statement minimum. Your own number.
Set the autopay the day you get home. Twelve payments later you're done, you paid exactly what the material cost, and you had the finished project for all twelve of those months instead of none of them.
The minimum payment the statement suggests is often lower than your own number. That gap is the trap. Ignore the minimum. Use your own math.
That's the whole strategy. It's not complicated. It just requires you to decide once and then not think about it again.
How much does a new floor or fence really cost in Dallas?
The single most useful thing to understand about home improvement pricing is that you're buying two completely different things, and only one of them is negotiable in any real way.
A wood fence. For a standard 6-foot privacy fence, most Dallas homeowners pay somewhere between $18 and $35 per linear foot installed, depending on species and style. A typical quarter-acre backyard — call it 150 to 200 linear feet — usually lands between $2,700 and $7,000 installed. Wood species and gate count are the biggest swing factors. We break the whole thing down in How Much Does a Wood Fence Cost in Dallas, Texas?
Flooring, per square foot installed, runs roughly: laminate from $2.25, entry-level LVP from $3.39, engineered hardwood from $5.00 for a good-tier product and $7.00–$13.50+ as wear layers get thicker and planks get wider. Carpet with pad and installation starts around $2.25 for polyester and climbs to $5.00–$9.50+ for premium nylon or wool. The full breakdown by product and tier is in How Much Does Flooring Cost in Dallas, Texas?
Now look at the split. On that fence, material alone runs about $10 to $20 per linear foot — against $18 to $35 installed. So roughly half of what you're paying is the wood, the posts and the hardware. Same story on floors. Which means the number on your quote isn't one price at all — it's a materials price and a labor price wearing a trench coat.
And here's what most people don't realize: when a contractor supplies your material, you're paying their markup on it. That's not villainy — it's a normal, disclosed part of how the trade works, and it covers their sourcing time and their risk if a box comes in wrong. But it's real, and it's rarely small.
The other thing that moves your number is the product itself, and this is where people get quietly overcharged. Two floors that look identical in a showroom can be built completely differently — wear layer, AC rating, first quality versus seconds, closeout versus current line. If you don't know what you're comparing, you can't tell whether a lower quote is a better deal or a worse floor. We wrote a whole guide on exactly that: How to Compare Flooring Prices the Right Way (Apples to Apples). Read it before you accept any quote — it's the difference between saving money and just spending less.
Can I buy my own material and just hire labor?
This is the part we're honestly qualified to talk about, because THE BOSS doesn't install anything. We sell material. That's the whole business. We have no dog in the fight over who swings the hammer, which means we can just tell you the truth about it.
You are allowed to buy your own flooring and fencing material and hire a contractor for labor only. Most good contractors in DFW will happily quote labor-only. Some prefer it — no material float, no sourcing headaches, no blame if a box comes in short. You just have to ask.
When you do it that way:
- You buy material at wholesale pricing instead of contractor-markup pricing
- You see exactly what you're paying for the floor and exactly what you're paying for the install
- You finance the material and pay labor separately
- You control the material choice — nobody talks you into the box they happen to have
A word of caution, because I'd rather you hear it here: if you supply the material, you own the material. So get the number right the first time.
Always have the person doing the actual install give you the measurements. Not a rough figure off a floor plan, and not your own tape measure — the installer. This matters most on carpet, where roll width and seam placement change how much you actually need, and a guess can cost you an entire extra roll. It takes one phone call, and it's the whole difference between ordering once and ordering twice.
If you want to sanity-check a fence quote before anyone comes out, the multipliers we use at the counter are simple: side-by-side takes about 2.17 pickets per linear foot, board-on-board about 2.7. Posts are your linear feet divided by post spacing, rounded up, plus one.
| Pickets per linear foot | 150-foot fence | Look | |
|---|---|---|---|
| Side-by-side | 2.17 | ~326 pickets | Clean and classic, pickets flush |
| Board-on-board | 2.7 | ~405 pickets | Overlapped, more privacy, premium |
That gets you in the neighborhood. It does not replace the installer's measurements — it just means you'll know whether a quote is in the right universe before you sign it.
Then order the overage on top of that. Ten percent for a straight-lay floor, fifteen for diagonal or a lot of cuts, and add extra fence pickets — always. Coming up four pickets short in week two is a genuinely miserable way to spend a Saturday, and dye lots on flooring don't always match across orders. Bring us the installer's numbers and we'll help you figure the count. We do it all day.
Also: confirm with your contractor before you buy that they'll install owner-supplied material and what their warranty covers. Most will warranty their labor but not the product itself — which is fair, and which is exactly why buying from a real supplier with real brands matters. If you're not sure what to ask, start here: 15 Questions to Ask Before You Hire a Flooring Contractor and 18 Questions to Ask Before You Hire a Fence Contractor.
How long does a floor or fence project actually take?
Whatever month you're reading this in, the honest answer is the same: a floor or fence takes about 10 to 12 weeks from the first quote to the last board. People consistently guess three weeks, and that gap is why projects miss the holidays.
Right now the math is unusually easy to picture. Today is August 18. Thanksgiving is November 26. That is 100 days, and it is not as much runway as it sounds like.
Here's what an honest project calendar looks like:
Weeks 1–2 — Decide what fits your life. Come look at material in person. Get real samples, take them home, look at them in your actual light at your actual hour of day. The right answer depends on your house, your pets, your kids and your patience — so it's worth reading up before you fall in love with a picture. Start with Laminate vs. Vinyl vs. Engineered Hardwood, decode the acronyms with WPC, SPC, LVP, LVT: What All Those Flooring Letters Actually Mean, and if bedrooms are in the mix, give In Defense of Carpet a fair hearing before you rule it out.
Weeks 3–4 — Get labor quotes and have them measure. Get three. Good crews in DFW book out, and they book out further the deeper you get into fall, because everybody has the same idea. This is also the moment to ask the questions that separate a good crew from an expensive lesson — 15 Questions to Ask Before You Hire a Flooring Contractor for floors, 18 Questions to Ask Before You Hire a Fence Contractor for fencing. And while they're out there, have them measure.
Week 5 — Buy material. This is where the financing does its job. Material is in your possession, your price is locked, and you're paying it down over the promo window instead of all at once.
Weeks 6–8 — Acclimate. This one gets skipped and it's the number one cause of floors that fail. Wood and laminate need to sit in the room where they'll live, boxes open, for 3–5 days minimum before install. North Texas humidity swings hard between seasons, and a plank that goes down at the wrong moisture content will cup, gap or buckle by February. Nobody's warranty covers that. It's also worth knowing how your floor is going down before the crew arrives — float, glue down, loose lay and nail down behave very differently over a Texas slab, and we broke all four down in How Is Flooring Installed?
Weeks 9–12 — Install.
Weeks 13–14 — Buffer. Because something will run long. It always does. And you want the buffer to absorb it instead of your holiday.
Add it up and you land in mid-November with a couple of weeks to spare. Start in October and you are hoping. Start now and you're just doing it.
There's a second reason to move now, and it's the weather. Fall is the best fence-building window in North Texas — the ground is workable, the crews aren't melting, and concrete sets in reasonable conditions. Post holes in Texas clay in August are punishment. Post holes in October are a job.
What does this mean if you're a flipper or an investor?
You already know the flooring number. Let's talk about the part that isn't on the spreadsheet.
Financing your material is cheap leverage against a short hold. If your typical hold is 4–7 months, you're financing material through the entire renovation and selling before the promotional window closes. The payoff comes out of the HUD at closing. You never touched your cash reserve.
That reserve is what lets you make an offer on the next property while this one's still on the market. The constraint on most flipping operations isn't margin — it's how many deals you can have in the air at once, and that's a cash-availability problem, not a profit problem. Anything that lets you carry material cost without carrying it in cash directly increases your deal capacity.
A practical note: buy material for multiple properties on one account. Flooring for two houses, fence material for a third. Wholesale pricing on volume, one payment stream to track, and your capital stays liquid.
And on flips specifically — laminate and engineered are usually the right answer, and not because they're cheaper. Buyers in this market read them as finished and current. Solid hardwood on a flip is often money you don't get back. If you're deciding between them, Laminate vs. Vinyl vs. Engineered Hardwood lays out how each one holds up to water, wear and traffic.
What does this mean if you're a contractor?
You know the squeeze. Material's due at purchase. Your draw is due after the phase completes. You're floating the gap out of your own operating account, on every job, all the time.
Financing your material moves that gap off your cash and onto a 12-month clock — and your draw arrives long before the balance does.
Which means:
- Take the second job you'd otherwise have to turn down because your cash was tied up in the first
- Stop letting material timing dictate your schedule
- Buy in volume across jobs at wholesale pricing instead of buying job-by-job at retail
- Keep your operating cash for payroll, where it belongs
Slow season is exactly when this matters most. When the phone's quieter, the instinct is to tighten up and buy less — but the crews you'll need in October are available in September, and the material you buy in September is material you're not scrambling for when everybody wakes up at once. The businesses that come out of a slow season strongest are usually the ones that used it to get positioned instead of just waiting.
What does THE BOSS stock?
We're a supplier on Harry Hines — wholesale pricing, no retail markup, and it's in the building, not on a truck from somewhere:
Flooring — engineered hardwood, laminate, luxury vinyl, and carpet by special order from Mohawk, Shaw, Anderson Tuftex, COREtec, Stanton and Engineered Floors. Underlayment, trim, transitions and moulding to finish it out.
Fencing — cedar pickets including pre-stained, pressure-treated pine, posts, rails and hardware. Not sure which way to go? Cedar vs. Pressure-Treated Pine walks through how each one holds up in North Texas.
Decking — composite decking and the fasteners that go with it.
Also — supplies needed for the jobs.
A note on pre-stained cedar, since people ask: staining pickets before they're on the fence gets you full coverage on all four sides, including the edges that touch — which is where rot actually starts. You cannot reach those faces once the fence is built. It's also the difference between a project weekend and two project weekends. If you're doing the work yourself, this is the single easiest upgrade to justify.
Frequently asked questions
Is this 0% financing? It's promotional financing, and you pay no interest if the purchase is paid in full within 12 months — that qualifier is doing real work, so we won't drop it. Interest accrues from the purchase date and is only waived if you pay the promotional balance off in time. Minimum monthly payments are required, and it's subject to credit approval. Apply online or at the store at 10850 Harry Hines Blvd., Suite 100.
Is it actually free, or is there a catch? It costs you nothing in interest if you pay the promotional balance in full within the promotional period. This is deferred interest financing: interest accrues from the purchase date and is waived only on full payoff within the window. Divide your total by the number of promo months, pay that amount on autopay, and you'll pay no interest.
Do I have to make payments during the promo period? Yes. Minimum monthly payments are required and start right away — deferred interest does not mean deferred payments. And the statement minimum will typically not pay the purchase off within the promo window, so pay more than the minimum if you want to avoid interest entirely.
Can I buy my own flooring or fence material and just hire someone to install it? Yes, and it's one of the most reliable ways to cut a project cost. On a wood fence, material runs about $10 to $20 per linear foot against $18 to $35 installed — so roughly half the quote is material, and contractor-supplied material carries a markup on top. Most DFW contractors will quote labor-only. Confirm they'll install owner-supplied material before you buy, and order overage since you own the material.
How much does a wood fence cost in Dallas? Most Dallas homeowners pay between $18 and $35 per linear foot installed for a standard 6-foot privacy fence, or roughly $2,700 to $7,000 for a typical quarter-acre backyard of 150 to 200 linear feet. Species and gate count are the biggest swing factors. Full breakdown: How Much Does a Wood Fence Cost in Dallas, Texas?
How much does flooring cost in Dallas? Per square foot installed, laminate starts around $2.25, entry-level LVP around $3.39, engineered hardwood around $5.00 for a good-tier product, and carpet with pad and install around $2.25 for polyester. Better and best tiers climb from there. Full breakdown by product: How Much Does Flooring Cost in Dallas, Texas?
How do I know if a flooring quote is a good price? Compare the products, not just the numbers — wear layer, AC rating, first quality versus seconds, and what's included in the labor. Our guide How to Compare Flooring Prices the Right Way walks through exactly what to look at.
Is it too late to get a new floor or fence before the holidays? No, but the window is real. As of mid-August you have 100 days until Thanksgiving. A typical project needs 10–12 weeks including quoting, material acclimation and a buffer. Starting in October means hoping; starting now means planning.
Does THE BOSS install flooring or fencing? No. THE BOSS is a supplier — we sell material at wholesale pricing to contractors, investors and homeowners. We don't install, which is also why we can give you straight answers about installation.
Do I need a permit for a fence in Dallas? Usually yes for a new fence, and the rules vary by city and by HOA. Check with your municipality and your HOA before you buy material, particularly for height and for which side the finished face has to point.
Keep reading before you buy
- How Much Does a Wood Fence Cost in Dallas, Texas? — per-foot and whole-yard numbers, and what moves them
- How Much Does Flooring Cost in Dallas, Texas? — installed pricing by product and tier
- Cedar vs. Pressure-Treated Pine — which fence is right for your Dallas home
- How to Compare Flooring Prices the Right Way (Apples to Apples) — what actually drives a flooring price
- Laminate vs. Vinyl vs. Engineered Hardwood — how the three compare on water, wear, feel and cost
- WPC, SPC, LVP, LVT Decoded — the luxury vinyl acronyms in plain English
- How Is Flooring Installed? — float, glue down, loose lay and nail down over Texas slabs
- In Defense of Carpet — where carpet still wins
- 15 Questions to Ask Before You Hire a Flooring Contractor
- 18 Questions to Ask Before You Hire a Fence Contractor
The bottom line
The floor and the fence aren't going to fix themselves, and next year you'll be standing in the same kitchen with the same legal pad thinking the same thing.
Twelve months to pay without interest doesn't make the project cheaper. It makes it possible now instead of eventually. That's a different and much more useful thing. Pay it down by twelfths, get the work done while the weather's on your side and the good crews still have openings, and let October be about the guest list instead of the hallway.
We're on Harry Hines in Dallas, and we sell to homeowners, contractors, remodelers and investors across DFW — Dallas, Plano, Frisco, Irving, Garland, Richardson, Carrollton, Addison, Farmers Branch, Arlington and Fort Worth.
Come see us. Bring your measurements or a rough guess — we'll help you get to a real number, and you'll know in a few minutes what your monthly looks like. Or see if you prequalify online right now, with no impact to your credit score.
THE BOSS
10850 Harry Hines Blvd., Suite 100, Dallas, TX 75220
(972) 255-9900
Monday–Friday 7:30 a.m.–5 p.m. · Saturday 8 a.m.–12 p.m. · Closed Sunday
Floor it. Fence it. Like a Boss.
Written by the flooring and fencing team at THE BOSS in Dallas. We quote material for Dallas-area contractors, builders, investors and homeowners six days a week — and because we don't install, our advice about installation costs has nothing riding on it.
Promotional financing offer: no interest if the purchase is paid in full within 12 months, made with a Synchrony credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.