Your Roof Today.
Pay Over Time.
Don't wait months saving up for a new roof. With flexible financing starting at $132/month, you can protect your home now and spread the cost over 5-15 years. Fast approval, no prepayment penalties, all credit considered.
Choose the financing that fits your budget
From interest-free promotional terms to extended low-rate loans, we work with multiple lenders to find you the best option.
Same-as-Cash
0% interest if paid in full within 6-24 months. Perfect for homeowners with savings coming.
Low-Interest Loan
Fixed rates from 6.99%-12.99% APR. Spread payments over 5-10 years for affordability.
Extended Terms
Up to 15 years (180 months) for minimal monthly impact. No prepayment penalties.
What will my monthly payment be?
Here's what to expect based on typical roof costs and loan terms. Your actual rate depends on your credit.
Note: These are estimates based on good credit (720+ score). Your actual rate and payment may vary based on credit score, debt-to-income ratio, and lender. All loans include no prepayment penalties.
Why finance through The Roofer App?
We work with Atlanta's top financing partners to get you approved fast and find the best terms for your situation.
No money down
Get your roof done today. 100% financing available with approved credit.
Fast approval
Soft credit pull for pre-qualification. Most decisions in minutes, not days.
Flexible terms
Choose your monthly payment. From 12 months to 15 years. Pay off early with no penalty.
All credit welcome
Good credit gets great rates. Fair credit still qualifies. We work with multiple lenders.
How to get approved
The approval process is fast and transparent. Here's what to expect.
Check Your Credit
620+ credit score is ideal. 720+ gets you the best rates. But even fair credit can qualify—just at higher rates.
Know Your Budget
Most lenders want debt-to-income ratio under 40%. Figure out what monthly payment works for your budget.
Get Pre-Qualified
Takes 2-3 minutes online. We'll show you options before you commit. No obligation, no impact to credit.
Choose Your Terms
Pick between lower payments (longer term) or less interest (shorter term). We'll explain the trade-offs.
Credit score guide
Financing questions answered
Everything you need to know about roof financing in Atlanta.
What credit score do I need for financing?
720+ credit gets you the lowest rates (6.99%-9.99% APR). 660-719 is good credit—you'll get approved with competitive rates. 620-659 is fair credit—you can still qualify but expect higher rates. Below 620, we have specialty options, but terms will be less favorable. We work with multiple lenders to find you the best option for your situation.
How much are monthly payments?
It depends on your roof cost, loan term, and interest rate. For a $15,000 roof: 5 years = ~$318/month, 10 years = ~$198/month, 15 years = ~$164/month. Longer terms mean lower payments but more total interest. We'll calculate exact numbers based on your approved rate.
Can I pay off early without penalty?
Yes! All our financing partners have no prepayment penalties. If you get a bonus, tax refund, or just want to pay it off faster, you can without extra fees. This can save you significant interest over the life of the loan.
How long does approval take?
Pre-qualification takes 2-3 minutes with a soft credit pull. Full approval typically takes 30 minutes to 24 hours depending on the lender and loan amount. Home equity loans take 4-6 weeks. Most Atlanta homeowners use personal loans for speed.
What if I have bad credit?
We work with lenders who specialize in all credit situations. You might need a co-signer, put down a partial payment, or accept a higher rate. Some homeowners use home equity (if available) since it's secured by your property and doesn't rely as heavily on credit score. Let's talk—we'll find an option.
Do I need to finance the whole roof cost?
No! Many homeowners pay part with savings or insurance and finance the rest. For example: insurance pays $10K, you pay $2K from savings, finance $5K to cover the gap. You can finance as little as $2,000 or up to $100,000 depending on the lender.
What documents do I need?
For pre-qualification: just your name, address, and phone. For full approval: ID, proof of income (pay stubs or tax returns), bank statements, and address verification. Home equity loans require appraisal and more paperwork. Personal loans are fastest—often just ID and income proof.
What's the difference between "same-as-cash" and "deferred interest"?
Same-as-cash (promotional 0% APR) means pay it off in time, pay zero interest. Miss the deadline by one day, and ALL interest backdates to day one. Deferred interest works similarly. If you're not 100% sure you can pay it off in time, choose a regular low-interest loan instead—safer and more predictable.