A new roof from about $265.32/mo
We partner with Service Finance Company and Enhancify so you can prequalify in about two minutes — see your real options before you sign anything.
Example: $15,500 at 10.99% APR for 84 months. Your terms will be determined by the lender based on your credit profile.
Why finance?
Don't let a roof become a bigger problem.
- Address damage now. A leak today is a ceiling repair next month. Financing lets you move before small problems get expensive.
- Keep your savings. Spread the cost over time instead of draining your emergency fund.
- Bridge the insurance gap. Cover deductibles or upgrades your insurance won't pay for.
See your real monthly payment.
Move the sliders. The math updates instantly — no email, no form, no surprises.
Term length
7 years
Estimated credit tier
Illustrative APR: 10.99%
Estimated payment
$265.32/mo
- Amount financed
- $15,500
- APR
- 10.99%
- Term
- 84 months
- Total interest
- $6,787
- Total cost
- $22,287
Estimates only. Actual rate, term, and monthly payment are determined by the lender based on your credit profile, the loan amount, and your project scope.
Two paths. Both honest.
Service Finance is our traditional anchor. Enhancify is a marketplace that shops 30+ lenders for you. Pick what fits — or apply to both and compare.
Service Finance Company
Established, FHA Title I–licensed.
Traditional installment loans with promotional and standard terms. A good fit if you want a single, well-known lender and predictable monthly payments. Service Finance has been financing home-improvement projects nationwide for decades.
- Min credit
- 640+
- Max funding
- $55,000
- Term range
- 24 – 132 months
- APR range
- 7.99% – 17.99% APR
- Promos
- Promotional & standard installment terms
- Decision
- Same-day decision in most cases
Enhancify
30+ lenders compete for your application.
One short form, multiple offers side by side — including 0% promotional plans when you qualify. Funding up to $200,000 with credit profiles from 550 to 850. Most homeowners see options in under two minutes.
- Min credit
- 550+
- Max funding
- $200,000
- Term range
- 24 – 180 months
- APR range
- 0% promo – 24.99% APR
- Promos
- 0% same-as-cash promos available
- Decision
- Instant pre-approval (~2 minutes)
What does this actually look like?
The three situations we see most often in the Triangle — with the math, not the marketing.
Insurance approved — can’t cover the deductible
Deductible $2,500
$115.35/mo
9.99% APR · 24 months
You’ve got an approved claim. We finance the deductible so you don’t delay the work.
Full replacement — keep your savings intact
$16,000 replacement · 84 months
$273.87/mo
10.99% APR · 84 months
Spread the full project over seven years with a fixed monthly payment you can plan around.
Upgrade financing — go from shingles to metal
$4,000 upgrade · 0% promo
$222.22/mo
0% promotional · 18 months
When you qualify for a 0% promo plan, the upgrade pays off interest-free if you complete the term.
Bridge the gap your claim won't cover.
Most insurance checks pay for the work — but you're still on the hook for the deductible, code upgrades, or the better materials you actually want. Here's what financing that gap looks like.
The total your insurance is paying out for the roof.
The portion you owe before insurance covers the rest.
Architectural shingles, better ridge vent, metal accents — anything insurance won't pay for.
Your out-of-pocket gap
$4,500
Deductible + upgrades, after insurance pays $12,000.
Financed at 10.99% APR, 60 months
$97.82/mo
We handle the insurance side too — supplemental claims, code-upgrade riders, the full paper trail. Ask Randy.
From inspection to install — in plain English.
We talk numbers only after a real inspection, not before. Here's exactly what to expect.
Free roof inspection
45–60 minutes
We inspect the roof, document with drone photos, and write up a real scope of work. No financing talk yet.
Written estimate
Same day or next
You get a line-item proposal: materials, labor, warranty, timeline. No mystery numbers.
Soft prequal
~2 minutes
If you want to finance, prequalify with Service Finance or Enhancify. Soft credit pull, no impact to your score.
Pick terms & schedule
Same day
Compare offers, pick the term that works, sign. We schedule installation immediately.
When NOT to finance.
Financing is the right call for most homeowners we work with — but not all. If one of these is you, we'd rather you keep the cash in your pocket.
Your insurance claim has zero gap.
If insurance is paying 100% of the scope with no deductible owed and no upgrades on your wish list, there's nothing to finance. Pay the deductible, sign the work order, done.
You can pay cash without touching emergency savings.
If the project fits inside your normal savings buffer, paying outright is almost always cheaper than the cheapest loan.
The project is small enough for a 0% credit card promo.
For a $2,000–$4,000 repair, a 12–18 month 0% APR credit card can be a better deal than a fixed-term roofing loan — provided you actually pay it off in the promo window.
You're planning to sell in under a year.
Talk to us about the roof first. Sometimes a documented inspection + repair beats a full replacement for resale.
The questions we actually get.
Real answers, not hedged ones. Got a question that isn't here? Call our team — we'll give it to you straight.
What credit score do I need to qualify?
Our two lender partners cover a wide range. Service Finance Company typically approves applicants with a 640+ FICO. Enhancify’s marketplace works with scores from roughly 550 to 850 depending on the lender, which means we can usually find an option even if your credit isn’t perfect.
Does checking my rate hurt my credit?
No. Prequalification is a soft credit pull, which has zero impact on your credit score. A hard pull only happens after you formally accept a specific loan offer — and you’ll be told before that happens.
How fast can I get approved?
Soft prequalification usually returns in about two minutes. Full approval is often same-day. Funds for the contractor are typically released within one to two business days after the project is signed off.
Can I pay the loan off early without a penalty?
On Service Finance Company’s standard installment loans there are no prepayment penalties. Enhancify’s offers vary by lender — the prepayment terms are disclosed before you accept any specific offer.
What happens if my insurance check arrives after I’ve already financed?
This is one of the most common scenarios. You can apply the insurance payment toward the loan principal at any time, which lowers your remaining balance and shortens the payoff period. Many of our customers finance the full project up front and then pay down a big chunk when insurance settles.
Can I finance a repair instead of a full replacement?
Yes. Both lenders fund repairs, replacements, and storm-damage restoration. Smaller projects often work well with a short 24-month term — the monthly payment stays low and the loan is gone in two years.
Are there fees on the contractor side that get passed to me?
No hidden markups. We chose Service Finance and Enhancify specifically because the terms quoted to you are the terms you pay. Service Finance is a direct lender. Enhancify is a marketplace that explicitly does not charge contractor dealer fees, so we don’t bake those into your price.
Can I finance through one lender and still apply to the other?
Absolutely. Soft prequal with both takes about four minutes total and gives you side-by-side options. There’s no penalty for shopping, and we’ll help you compare.
Disclosure
Financing for residential and commercial roofing projects is provided by Service Finance Company, LLC (a nationally licensed sales finance company and FHA Title I lender) and through Enhancify's network of independent lenders. NC Roofing Service and Repair, LLC is not a lender and does not make credit decisions.
All credit decisions, interest rates, terms, fees, and approvals are determined solely by the lender based on your credit profile, loan amount, and project scope. Example payments shown on this page (including the calculator, scenarios, and insurance-bridge tool) are illustrative only and are not an offer to lend. Your actual terms may differ.
Soft credit checks performed during prequalification do not affect your credit score. A hard credit inquiry will be performed only after you formally accept a specific loan offer. Promotional financing offers (including 0% APR same-as-cash plans) are subject to lender approval and may carry deferred interest if the balance is not paid in full within the promotional period.
Ready to see your options?
Free inspection, written scope, soft credit check. No pressure, no obligation — just clear numbers.