Pay for your roof your way.

Roof Financing — Competitive Rates. No Credit Impact to Check.

A roof is a five-figure investment. We make the payment part of the conversation, not an afterthought. Through our partner Acorn Finance, you'll see competitive offers from a network of lenders — including Best Egg, LightStream, Upgrade, and Prosper — with rates starting at 6.99% APR for qualified borrowers. Soft-pull pre-qualification in 60 seconds, no credit impact to check, plus HELOC coordination and insurance-claim assistance when they apply.

Get Estimate + Financing Options Call (835) 248-0004

Three Paths to Pay

Pick the Option That Fits Your Situation.

RoofOps partners with Acorn Finance to bring you competitive loan offers from their network of lenders — including Best Egg, LightStream, Upgrade, Prosper, and others. Loan amounts from $1,000 to $100,000. Terms from 2 to 20 years (longest terms available from select lenders for qualified borrowers). Pre-qualifying takes 60 seconds and won't affect your credit score. We walk through every option during your estimate — no pressure on any particular path.

Acorn Finance Lender Network

From 6.99% APR · $1K–$100K · 2–20 year terms

Our primary financing partner. One 60-second pre-qualification form shows you competitive offers from a network of lenders — Best Egg, LightStream, Upgrade, Prosper, Reprise, Universal Credit, OneMain Financial, and others. Soft credit pull only, no impact to your score. Funding can arrive as soon as 24 hours after final approval. The longest terms (up to 20 years) are available from LightStream for qualified borrowers.

Best for Most homeowners — fastest path from estimate to funded project.

HELOC or Home Equity

Self-arranged through your bank

If you already have a HELOC open or meaningful home equity available, this is typically the cheapest long-term rate on the table. We coordinate payment directly with your lender once funds are drawn — no special paperwork on our end, no third-party intermediary.

Best for Homeowners with equity access already in place, or willing to open a new HELOC for a larger project.

Insurance Claim Coordination

Deductible only

If your project is storm-related (wind, hail, tree impact), we handle the insurance claim end-to-end. The carrier covers the project at approved scope — you pay your policy deductible and nothing more. The cheapest 'financing' of all when it applies.

Best for Any storm-damaged roof within the last 12 months.

How It Works

From Estimate to Signed Financing.

Financing isn't a sales tactic here. It's a tool, and we treat it like one — transparent, optional, and separate from project pricing.

Get your project estimate (30 seconds online or free in-person inspection)
We present all eligible financing options alongside the project cost — no combined pricing
You apply online through whichever partner makes sense; approvals typically return in minutes
Terms delivered in writing; sign only what you choose to sign
Installation begins on the agreed schedule; financing disburses per your program's terms
Payment starts per your financing schedule — no retroactive interest, no hidden fees

Your financing, your terms, your timeline.

What to Expect

Pre-Qualification in Under Three Minutes.

Pre-qualification is a soft credit pull — it does not affect your score. You'll see your eligibility and indicative terms across multiple lenders at once, then choose whether to proceed to a full application. Here's what actually happens:

Basic Info

Name, address, estimated project amount, approximate income. No SSN required to pre-qualify. Takes about 60 seconds.

Soft Credit Check

Lenders run a soft pull — visible to you on your credit report but does not impact your score. Results come back in under a minute.

See Your Offers

Multiple lender offers with rates, terms, and monthly payment estimates — starting at 6.99% APR for qualified applicants. Compare side by side.

Choose & Proceed

Pick the offer that fits, then complete the lender's full application. Final approval may require a hard credit pull; you'll be told upfront before that happens.

Rates and terms shown at pre-qualification are indicative. Final approval depends on the lender's full underwriting review. Available terms vary by credit profile, loan amount, and state regulations.

Payment Estimator

Estimate Your Monthly Payment.

Estimate your monthly payment in any credit scenario — from excellent to subprime. Then check your actual offers in 60 seconds. No credit impact to explore your options.

Project Cost

Loan Term

Terms over 84 months available from select lenders (LightStream) for qualified borrowers only.

Best Case

6.99% APR

$356/mo

Excellent credit required

Most Common

Typical

15.99% APR

$438/mo

Most common range

High End

24.99% APR

$528/mo

Subprime approval

Your estimated payment range: $356 – $528 per month

Total interest range: $3,380 – $13,693 over 60 months

Check Your Pre-Qualified Offers — No Credit Impact

This calculator provides estimates only. Actual rates depend on credit score, debt-to-income ratio, loan amount, and term length. Rates shown reflect typical ranges within Acorn Finance's lender network (6.99% – 35.99% APR). Loan terms longer than 7 years are available from select lenders (LightStream by Truist) for qualified borrowers only. RoofOps LLC is not a lender and does not determine rates. Pre-qualifying at Acorn Finance takes about 60 seconds and does not impact your credit score.

Common Questions

Roof Financing Questions Answered.

Straight answers on rates, approvals, credit, and program terms.

What rates should I expect?

Rates from Acorn's lender network start at 6.99% APR for qualified borrowers with excellent credit (typically 720+ FICO) and run up to about 35.99% APR for subprime approvals. Your actual rate depends on credit score, debt-to-income ratio, loan amount, and term length. Pre-qualifying takes 60 seconds with no credit impact — you'll see indicative offers from multiple lenders side-by-side before any hard pull.

What credit score do I need?

Acorn's lender network accepts a wide range of credit profiles. The lowest rates target 720+ FICO. Fair-to-good credit borrowers typically see rates in the mid-teens, and subprime approvals are available in the 25%+ APR range. You'll see your actual indicative offers across all eligible lenders after the soft-pull pre-qualification — no credit impact to find out. If credit is a significant hurdle, call us directly to talk through alternatives.

How fast is approval and funding?

Pre-qualified offers return in about 60 seconds via the online form. After you choose an offer and submit the lender's full application, funding can arrive as soon as 24 hours after final approval. Insurance claims run on their own timeline (3–6 weeks typically).

Can I combine financing with insurance proceeds?

Yes. If your claim covers part of the project (say, 70% of a storm-caused replacement), insurance proceeds pay that portion and financing handles the remainder. Common for scope upgrades — you may want premium materials the claim didn't fully fund.

Are there prepayment penalties?

No. All lenders in Acorn's network offer penalty-free early payoff. If you want to pay the balance off in month 3 or month 13, you can — interest stops accruing as soon as the principal is paid down. The lender handles disbursement and payoff directly; RoofOps is never in the middle of your loan.

Does RoofOps charge a financing fee on top of the project cost?

No. Financing is a lender service — the lender handles the loan, we handle the roof. You'll see your project cost on your estimate, and your financing terms are separate. No hidden financing surcharge, no inflated price because you chose to finance instead of pay cash.

Financeable Services

Trust & Warranty

Start the Process

Get Your Estimate With Financing Options.

Every RoofOps estimate includes financing options you qualify for, presented transparently alongside project pricing. No pressure to finance, no pressure to pay cash — just the real numbers.

Get 30-Second Estimate Schedule Inspection

(835) 248-0004