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How to Pay for an Epoxy Garage Floor

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How to Pay for an Epoxy Garage Floor

Prep your garage for spring with a durable epoxy coating by spreading the $1,400 cost over 15 months without interest.

VoAtlas editorial Updated · 3 min read
Typical cost $1,400 before anything else
Across the 0% window $93.33/mo 15 months, no interest

How we got that: $1,400 spread evenly across the 15-month introductory window on the Discover it® Cash Back. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Your garage floor takes a beating from salt, oil, and hot tires. An epoxy coating stops the concrete from dusting and makes the space feel like a finished room rather than a cave. Most crews can finish the job in about three days. Booking in early spring is the move because you avoid the high summer humidity that can mess with how the coating cures.

We looked at the costs for a standard two-car setup, which usually lands around $1,400. To handle that cost without draining your savings, you can use a specific card window to pay it off in small chunks. It makes a big project feel a lot smaller on your monthly budget.

The 0% intro APR for 15 months on purchases and balance transfers is a firm deadline. If you still have a balance when that period ends, the standard variable interest rate will apply to the remaining amount. It is not free money, just a tool to buy you some time.

The steps

  1. 01

    Get three quotes

    Prices for epoxy vary based on how much prep the concrete needs. Ask contractors if they diamond-grind the floor or just use an acid wash. Grinding is more work but helps the epoxy stick for years longer.

  2. 02

    Clear the space

    You need the garage completely empty for about four days. If you have too much gear to move into the house, rent a small portable storage container for the week. Factor that $100 to $200 into your total budget.

  3. 03

    Use the 15-month window

    Put the $1,400 project on your Discover it® Cash Back. It offers 0% intro APR for 15 months on purchases and balance transfers. This lets you pay for the floor over time while your cash stays in your own bank account.

  4. 04

    Set your monthly payment

    To zero out the balance before the interest kicks in, pay $93.33 every month. Set this up on autopay so you don't have to think about it. You'll be done with the debt before the following summer starts.

  5. 05

    Pick a dry week

    Check the forecast before the crew arrives. Humidity is the enemy of a good bond. If it's going to be a rainy, damp week, ask to push the start date so the floor doesn't peel later.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Discover it® Cash Back carries the date a person verified it against Discover and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Discover it® Cash Back terms →

Common questions

Is the DIY kit worth it?

Home center kits are cheaper but the epoxy is much thinner. They often peel under hot tires within a few years. Professional-grade materials are thicker and much more durable.

How long until I can park on it?

You can usually walk on the floor after 24 hours. Wait at least three to five days before parking a car on it to prevent the tires from pulling up the new coating.

Does epoxy make the floor slippery?

It can be very slick when it gets wet. Ask your contractor to add an anti-slip additive, often called shark grip, into the final topcoat for better traction.

Will it fix my cracked floor?

Epoxy will hide small hairline cracks. If your garage floor has major structural shifts or deep pits, the contractor needs to use a specialized filler before the coating goes down.