FINANCING · THROUGH HEARTH

Roofing Financing — Pay Over Time

A new roof is a major investment. Through our financing partner Hearth, you can pre-qualify in 60 seconds with no impact on your credit, then choose the payment plan that fits your budget.


How Roofing Financing Works with Hearth

Hearth is a home-improvement financing platform we partner with so our customers can spread the cost of a roof over time. It’s a no-pressure, no-obligation pre-qualification system — you can find out what you’d pay before you commit to anything.

Here’s how it works:

1. Pre-qualify in 60 seconds. Hearth runs a soft credit check — no impact to your credit score. You get an instant view of loan offers from multiple lenders.

2. Compare offers. Different lenders, different terms (5 to 12 years, varying APRs), different monthly payments. Pick the offer that fits your budget.

3. Lock in your terms. Once you choose, Hearth handles the paperwork. The lender pays us. You pay the lender on the agreed terms.

4. We start your project. Financing approval doesn’t delay your install. We schedule as soon as funding is confirmed.


Example Monthly Payments

These are illustrative payments only — actual rates depend on credit profile, term length, and lender. Pre-qualify through Hearth to see your real numbers.

$10,000 Roof

Typical repair or partial roof project.

Approx. $155–$215/month on a 7-year term.

$18,000 Roof

Typical full residential replacement, architectural shingles.

Approx. $280–$385/month on a 7-year term.

$30,000 Roof

Larger home or premium materials (metal, designer shingles).

Approx. $465–$645/month on a 7-year term.


Why Customers Choose to Finance

Roof financing makes sense when:

  • You don’t want to drain your emergency fund. A 7-year roof loan at a known monthly payment is often less painful than writing one big check.
  • Your roof is failing now — waiting causes interior damage that costs more to fix than the roof itself.
  • You’re upgrading materials. The premium for metal or designer shingles often pays back in lifespan and insurance discounts — financing lets you choose long-term value over short-term price.
  • You’re combining with an insurance claim. Cover your deductible plus any upgrades the carrier won’t pay for, then pay it back over time.

Common Questions About Roof Financing

No. Hearth uses a soft credit check for pre-qualification — no impact to your score. A hard credit check only happens if you accept a specific loan offer and proceed.

Hearth works with a network of lenders covering a wide range of credit profiles — some offers go down to 550. The lower your score, the higher the APR you’ll see. Best rates typically require 700+.

Most Hearth lender partners don’t charge prepayment penalties — but check the specific terms before you sign. They’ll be disclosed in the offer.

No fee from us. The lender’s APR is built into the financing offer. Pre-qualifying and shopping offers through Hearth costs you nothing.

Yes — loan amounts typically start at $1,000. If your insurance approved the roof but you need to finance your deductible (and any upgrades you chose), Hearth offers can cover just that portion.

Hearth is a national home-improvement financing platform that partners with reputable lenders. They’re a marketplace, not a single lender — you see multiple offers and choose.

Pre-qualification takes 60 seconds. Final approval and funding usually takes a few business days after you accept an offer.