$0-Down Financing
A New Roof Now, Payments That Fit
A roof rarely fails on payday. That's why we offer $0 down and financing from around $89 a month for qualified buyers — so the roof gets fixed on the roof's schedule, not your savings account's.
The Money Part
From Application to First Shingle
Apply in Minutes
A short application, online or over the phone with us on the day of your inspection. No paperwork marathon.
Soft Pull First
The initial decision uses a soft credit check, so finding out what you qualify for doesn’t touch your score.
Pick Your Term
Shorter term and less interest, or longer term and a smaller payment — you choose the shape of it, we’ll show you the trade-offs honestly.
Build Now, Pay Monthly
Once you’re approved and the terms look right, we schedule the build — most approvals land the same day you apply, and the payments start after the roof is on.
The Fine Print
How Financing Works
We’re roofers, not a bank — financing runs through established third-party lending partners who specialize in home improvement projects. You borrow from them, we build your roof, and your agreement is directly with the lender.
Terms and rates vary with your credit profile and the size of the project, which is why the application starts with a soft credit check: you see real numbers for your situation before anything hits your credit report. We’ll walk through the options with you line by line — monthly payment, total cost, term length — so you’re comparing them with clear eyes.
There’s no penalty for paying the loan off early. If an insurance check or a bonus lands six months in, you can close it out and keep the interest you didn’t spend. And if financing isn’t the right fit, we’ll tell you that too — a roof you can comfortably afford is the only kind we want to sell.
Before You Apply
What to Expect
The soft-pull-versus-hard-pull distinction matters, so here it is plainly. A soft pull is a read-only look at your credit — it shows you what you’d qualify for and leaves no mark on your score. A hard pull is the formal inquiry that comes with actually taking a loan, and it can move your score a few points. Our partners start with the soft pull, and the hard one only happens if you accept an offer. Shopping your options is free in every sense.
Term lengths are a menu, not a mandate. Home improvement loans commonly run anywhere from a couple of years to a decade or more depending on the lender and the project size, and the trade-off is always the same shape: shorter terms cost less in total interest, longer terms cost less per month. We’ll put the options side by side — payment, term, total cost — so you can see exactly what each shape of the loan costs over its life.
And whichever term you pick, it isn’t a cage. There’s no prepayment penalty, so a windfall — an insurance check, a tax refund, a good year — can close the loan out early and claw back the interest you’d have paid. Plenty of homeowners choose a longer term for the breathing room and then pay it off in half the time. That’s the play we’d make too.
Straight Answers
Financing Questions
Free Inspection
See what your roof would run.
A free inspection gets you a real number to finance — no guessing, no obligation.