Home roof financing allows you to replace your roof in a way that makes good financial sense for your family. Often it is in the form of a roof loan. This is a personal loan and is a popular way to pay for a roof replacement or repair. You receive the money upfront and pay it back, with interest, over a series of monthly payments. 

For personal loans, you’re not required to provide collateral. Rather, the lender reviews your credit score and credit history. After looking at this information and considering your current financial situation, the lender then decides if you qualify for such a loan and at what interest rate. 

Here are some Financing options we offer:


PACE (Property Assessed Clean Energy)

  • 100% financing
  • No money down
  • No on FICO
  • Tax-deductible financing
  • Low fixed payments

Service Finance 

Conventional Financing 

  • 12 months same as cash
  • 5 year at 6.99%
  • 10 year at 7.99% 

Frequently Asked Questions About Roof Financing:

What credit score do I need to finance a roof?

For many reasons, you can get more money for roof financing through a personal loan if you have a higher credit score. This would be a 690 FICO score or higher. Borrowers with a good or better credit history also enjoy a lower interest rate. 

Financing a roof replacement with bad credit, however, isn’t impossible. You can still find many lenders offering home improvement loans for borrowers with a 629 score or lower on the FICO scale. You should just be prepared to pay a higher interest rate. 

If you secure one of our loans for a new roof and pay it back either on or ahead of time, this will not only help your home. It will also be positively recorded in your credit history, establishing a new precedent, which will raise your FICO score. 

How much is a new roof in California?

To get a rough estimate, use this helpful tool. Follow the guided steps to get a general idea of what a roof costs in Burbank, Pasadena, Long Beach, Los Angeles, or an area near you.

While new roofs are expensive, when researching costs in California, you will find that roofing is one of the best investments to make in your home. Not only does a quality roof help protect your house and family, it also adds value and improves the look of your entire property. 

Factor in other California roofing requirements as well. Title 24 Building Energy Efficiency Standards requires California homeowners to use cool roofing materials starting this year. These are materials that reduce infrared and ultraviolet wavelengths of the sun, which cool down your home. 

Fortunately, most popular roofing materials are already cool roof options. This includes asphalt shingles, as well as metal and tile roofing. Factor in materials, labor, and different requirements throughout the state and you will arrive at a wide range of costs when researching how much is a new roof in California. 

On average, costs in California for a new roof are between $20,000 to $30,000, with most homeowners averaging around $20,000 for a modest 2,000 sq.ft. roof replacement.

Depending on your financial situation, we offer various home roof financing options. These options allow you to fix or replace your roof, providing needed protection for your family in a way that makes good fiscal sense at the same time.

How long will it take to pay off my roof? 

With proper financing, you can pay off a roof loan as early as three months or take up to a decade. We’ll work with you to create a plan that best works for your family.

The exact amount of time it takes to pay off your roof depends on many factors. When choosing roof financing options, carefully research the repayment schedule and time frame. The time it takes to pay back your loan depends on the price of roofing you choose and where you live. 

Keep in mind that properly maintained tile or slate roofs can last between 30 and 60 years. High-quality asphalt and architectural roofs can last anywhere between 10 and 50 years, depending on how well you take care of them. That kind of investment keeps your home looking good, inside and out, for a long time.