Financing Your New Roof: Frequently Asked Questions
How do I know if I qualify for roofing financing?
Most homeowners with a fair-to-good credit score qualify for one of our programs. The application process is simple, requires no paperwork, and provides an instant decision during our initial roof inspection.
Do I need a large down payment?
Not necessarily. While a down payment can lower your monthly costs, we offer $0 down options for qualified homeowners. This allows you to get your roof replaced immediately without touching your savings.​​
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How does financing work with an insurance claim?
Financing is a great tool for covering your deductible or for "upgrading" your roof beyond what the insurance company covers. For example, if insurance pays for basic shingles, you can finance the difference to upgrade to a premium Designer Shingle or Metal roof.​​
What are the current interest rates?
Rates vary based on the specific plan you choose and your credit profile. We offer everything from 0% interest "Same-as-Cash" short-term plans to low-interest, long-term options that keep your monthly payments roughly the same as a utility bill.​
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Can I pay my roof off early?
Yes. Most of our financing partners have no pre-payment penalties. If you decide to pay off your balance early to save on interest, you are free to do so at any time.
Does applying affect my credit score?
Our initial financing check uses a "Soft Credit Pull," which means you can see what you qualify for without it impacting your credit score. A hard inquiry only occurs once you move forward with a specific loan agreement.​​