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system
home renovations are expensive.. should i only pay cash for them?
user
is it a safety thing?  if the heat pump goes out you replace it immediately, if your floor looks bad but you aren't tripping, i would suggest saving.  use the extra time to find a great deal and educate yourself on your options.  maybe even take a class and learn to do it yourself. in these rough times, anything i can save for and pay cash i would.  the exception is if you can finance with 0% interest for a period of time and you have enough money to pay that off. the last consideration i can think of is if you plan to sell the home soon?  for that you might be getting more value than the loan and a real estate agent would be probably know best.
assistant