Roof
Financing
Roofing Army makes asphalt roof financing simple and stress-free. We recommend Hearth, a trusted lender offering flexible payment options like low monthly payments and zero-interest plans. With Hearth and Roofing Army, you can invest in a durable, weather-resistant roof while staying within your budget.
1-12 Year Roof Financing
Roofing Army, with Hearth’s help, offers flexible 1-12 year financing options for roof replacements. Enjoy low monthly payments and upgrade your roof without financial stress.
Low Roof Financing Rates
With Roofing Army and Hearth, financing rates are often lower than credit card interest rates, helping you save money while enjoying affordable, flexible payment plans.
Fixed Monthly Payments
Roofing Army, through Hearth, provides financing with fixed monthly payments, so you’ll never face surprises. Enjoy consistent, budget-friendly payments for your new roof!
How to Get Roof Financing
Schedule Free InspectionApply Online
Our quick, roof financing form takes just a few minutes to complete. It’s completely free and has no impact on your credit score!
Review Options
Compare personalized rates from multiple trusted lending partners to ensure you’re securing the best possible financing option for your roofing project.
Choose Your Loan
Don’t delay your roofing project! With Roofing Army and Hearth, personal loans can fund your roof replacement project as quickly as the next business day.
What is Hearth Financing?
Hearth is a trusted financing partner of Roofing Army, providing homeowners with flexible payment options for roof replacements and repairs. Through Hearth, we offer personalized financing solutions ranging from $1,000 to $250,000, allowing you to manage roofing costs with affordable monthly payments. With competitive loan rates and flexible repayment terms, Roofing Army and Hearth make it easier to invest in your home's protection without breaking your budget.
Frequent Questions
At Roofing Army, we ensure homeowners have answers to all their roofing financing questions. From understanding loan options and estimated monthly payments to exploring terms from 1–12 years and comparing secured vs. unsecured loans, we’ve got you covered. We also explain how to prequalify without affecting your credit score, access competitive rates, and navigate the funding timeline, so you feel informed and confident in financing your roof replacement.
Hearth is a financial technology company that connects homeowners with a network of 18 lender partners, facilitating financing for home improvement projects. By partnering with Hearth, Roofing Army offers clients access to personalized loan options, enabling them to manage roofing expenses through affordable monthly payments. This collaboration simplifies the financing process, making essential roofing projects more accessible and budget-friendly for homeowners.
Hearth offers loan options with no prepayment penalties, giving Roofing Army customers the flexibility to pay off their balance early. Paying sooner can save homeowners money on interest.
Interest rates for personal loans through Hearth can start as low as 7.99%, but the annual percentage rate (APR) depends on factors like your credit score, debt-to-income ratio, loan amount, and more. With Roofing Army and Hearth, you’ll receive transparent terms tailored to your financial situation.
When applying for financing through Hearth with Roofing Army, it’s important to understand credit inquiries. Hard inquiries occur when you formally apply for a loan, credit card, or mortgage, providing lenders with a detailed credit report. These inquiries may temporarily impact your credit score and remain on your credit report for up to two years. Soft inquiries, on the other hand, occur during pre-qualification or pre-approval and provide lenders with a high-level credit summary without affecting your credit score. Hearth’s pre-qualification process only involves a soft inquiry, so you can explore loan options worry-free.
Hearth’s prequalification process, offered through Roofing Army, does not affect your credit score. However, if you choose to apply for a loan directly with a lender, this may result in a hard credit pull, depending on the lender’s policies. A hard pull could temporarily impact your credit score.
To apply for financing through Hearth with Roofing Army, homeowners need to provide their name, contact information, physical address, Social Security Number, and income verification. Additionally, your credit report must be unfrozen or unlocked to proceed with the application.
Homeowners can view prequalification results for loans up to $250,000 with flexible terms ranging from 1 to 12 years, making it easy to find a financing option that fits their needs.
Homeowners can typically expect to receive their funds within 2–7 days after their loan is approved, ensuring a quick and efficient process to start your roofing project.
Every financing option has its pros and cons. Roofing Army recommends using Hearth to explore your estimated monthly payment options. This helps you understand your buying power and determine a monthly payment plan that fits your budget and preferences.
