No Interest and No Payments for 12 MONTHS!

This convenient loan option lets you delay making any payments until next year (on approved credit)! Plus, as long as you pay off the entire loan within the 12-month period, all interest will be waived.
*Credit and loans provided by Regions Bank d/b/a EnerBank USA, Member FDIC, (650 S Main St, Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR, effective as of September 2022, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement.

Here is how it works


Apply online using the link above or a sales representative can help you apply at your Spanish Fork store using a tablet or by phone call.


Get approved.


Sign the loan documents, start the project.


Funds for your project are sent directly to Ogden’s Flooring and Design ( Spanish Fork store).

Frequently asked questions

What is QProPay Later?

QProPay Later is a finance program provided by Regions | EnerBank USA. Ogden’s Flooring and Design stores work with QProPay Later and EnerBank to provide a variety of unsecured loans — so your home is never used as collateral.

Why should I use QProPay Later payment options vs. credit card or cash?
Using our quick and easy application process to get a loan is the smart choice to pay for your flooring project because it gives you the flexibility to control your own finances. When you use the bank’s money, you can use your cash for whatever else you want and avoid risking your home as collateral as you would with a HELOC (Home Equity Line of Credit). Our payment options have high approval rates and generally offer a better interest rate than many credit cards.
How do I make a payment on my loan?

Pay online: Visit and click “How to pay” from the menu (there may be a $4.95 fee for debit card payment)

Mail a check: EnerBank USA, PO Box 26856, Salt Lake City, UT 84126-0856.

Pay by phone: 888.390.1220 option 1 (there may be a $4.95 fee for debit card payment)

When is my first payment due?

For loans that require a monthly payment, your first payment will typically be due 30 days after funds are distributed to your Ogden’s Flooring location. For more information, contact EnerBank Customer Service:

EnerBank Customer Service | 888.390.1220 M-F 9:00 AM to 7:00 PM ET

Who receives funds from the loan?

When EnerBank funds a loan, all funds go directly to your Ogden’s Flooring (Spanish Fork) location. No extra steps for you!

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