Financing

Why Finance

A High Quality Roof Shouldn't Have to Wait

We understand a roof replacement is a significant investment often $8,000 to $15,000 or more depending on your home size and materials. Most homeowners don't have that sitting in a checking account, and that's completely normal. Our financing options through trusted lending partners make it possible to protect your home right now before a small problem becomes a $30,000 structural repair. You get the roof your home needs. We handle the paperwork. You pick a monthly payment that works for your budget.
  • $0 down payment required
  • 100% project financing available
  • Fast, easy credit approvals
  • No prepayment penalty, pay off any time
  • 18 month deferred payment options available
  • Fixed monthly payment plans
  • Multiple term lengths to choose from
$0
Down 100% Financing Available
Financing Plans

Choose the Plan That Fits Your Budget

We offer three financing tiers to match your project size and monthly payment goals. All plans are available through our trusted lending partners.
Basic Plan
0%
Interest for 12 Months
Short Term, Zero Interest
Ideal for smaller projects up to $10,000. Pay nothing extra if you clear the balance within 12 months. No hidden fees, no surprises.
  • 0% interest for first 12 months
  • Best for projects up to $10,000
  • No prepayment penalty
  • Fast approval process
Get this Plan
Most Popular
2.9%
Over 36 Months
Preferred Rate
Our most requested plan. Low monthly payments spread over 36 months with a competitive fixed rate. Ideal for full roof replacements and larger exterior projects.
  • 2.9% fixed rate
  • 36 month term
  • Low, predictable monthly payments
  • Most homeowners qualify
Get this Plan
Extended Plan
4.9%
Over 60 Months
Maximum Flexibility
For larger projects or homeowners who prefer the lowest possible monthly payment. 60 month term keeps costs manageable without sacrificing the quality your home deserves.
  • 4.9% fixed rate
  • 60 month term
  • Minimum monthly payments
  • Ideal for larger project bundles
Get this Plan
Our Lending Partners

Trusted Partners.
Real Financing.

We work with established financing programs so you get real loan products. Our lending partners have helped thousands of homeowners across the US protect their homes without upfront costs.
Enhancify
Enhancify is a financing platform that lets contractors offer instant home improvement loans to their customers, making renovations affordable through monthly installments while helping businesses close more sales.
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How It Works

Simple 4 Step Process

Free Inspection
We schedule a no cost roof inspection to assess the current condition of your roof and determine exactly what your home needs.
Detailed Estimate
You receive a fully transparent quote with all material and labor options clearly itemized, no vague pricing, no surprises.
Credit Approval
Apply through one of our lending partners in under 5 minutes. Most customers receive a decision within 24 hours, often faster.
We Get to Work
Once financing is approved, we schedule your project and get started. Your home gets protected. Your budget stays intact.
Eligibility

Who Qualifies?

Our lending partners work with a wide range of credit profiles. Most homeowners qualify. The application takes under 5 minutes and won't impact your credit score to check your options.

Proof of Homeownership

You must own the property where the work will be completed. Renters are not eligible for most programs.

Credit Score as Low as 580

Standard financing programs work with credit scores starting at 580. Ygrene’s PACE program has no minimum credit score the approval is based on home equity.

Basic Income Verification

A basic income check confirms your ability to make monthly payments. Most applicants qualify without extensive documentation.

5 Minute Application

The entire application takes under 5 minutes. You’ll receive a decision in as little as 24 hours, sometimes within minutes.

Common Questions

Frequently Asked

The initial check to see what you qualify for is a soft pull, it does not affect your credit score. A hard pull only occurs if you move forward and formally accept a loan offer.

Yes. Financing is available for all of our services: roofing, metal roofing, seamless gutters, siding, windows, and exterior services. You can bundle multiple services into a single financing plan.

We offer the Ygrene PACE program specifically for homeowners with credit challenges. Ygrene approval is based on your home equity, not your credit score, so there is no minimum credit score requirement.

No. There is no prepayment penalty on any of our financing plans. You can pay off your balance in full at any time without any additional fees.

Most applicants receive a decision within 24 hours. In many cases, approval comes through in minutes. Once approved, we schedule your project right away, no waiting.

Yes. If your insurance covers part of the project, financing can cover your deductible or any remaining balance not covered by your policy. We assist with insurance claims and can walk you through how both work together.

$0 Down, 100% Financing Available

Start with a free inspection. We'll walk you through your financing options at no cost and no obligation. Call us or request a quote online.