A new roof from $180/month.
Approved in minutes with a soft credit check, no prepayment penalty — and we'll tell you honestly whenrepair now, replace later is the smarter budget play.
Soft check first
See your real terms before anything touches your credit report.
Fixed payments
No teaser rates that balloon in year two. The payment you see is the payment you make.
No prepayment penalty
Pay it off early whenever life allows. The balance is the payoff.
The math that actually matters
An actively leaking roof compounds damage into insulation, framing, and drywall at a rate that generally outruns interest. If your roof is failing now, financing beats waiting. If your roof has years left and you're planning ahead — a HELOC or cash may beat our lenders, and we'll say so at the kitchen table.
Estimate your project first →Financing questions, straight answers
What credit score do I need?
Our lending partners approve a wide band — mid-600s and up see the best terms, but there are programs below that. The application is a soft check first, so finding out costs your score nothing.
Is there a prepayment penalty?
No. Pay it off with a bonus, a refinance, or a good year — the payoff amount is the balance, full stop.
Is financing more expensive than paying cash?
The project price is identical either way — we don’t pad financed jobs. Interest is the real cost, and against an actively leaking roof, damage usually compounds faster than interest does. For a healthy roof replacement you’re planning ahead, cash or HELOC may beat our lenders; we’ll say so.
Can insurance and financing combine?
Frequently — financing covers your deductible and any upgrades beyond the insurance scope (better shingles, added ventilation) while the claim covers the rest.
Get your real number first.
Free inspection, fixed bid, then financing options against an actual price — not a guess.