Financing Your Project

Simple, fast roof financing options

Get personalized roofing loan rates in 60 seconds without affecting your credit score.

Complete our 60 second form, and we’ll show you personalized rates from multiple lending partners. You’ll be able to find savings by comparing roofing monthly payments and rates from several providers.

This is free, and will not affect your credit score.

  • No home equity requirement: If you get sick or lose your job and can’t pay back your loan, you won’t be at risk of foreclosure. However, personal roof loans do have higher rates than options secured by your home equity.

  • Rapid funding: If your project is urgent, then a personal loan may be your best option. Personal loan providers can approve you, then transfer funds, in as soon as 24 hours.

  • No prepayment penalties: Personal loan providers won’t penalize you for paying back your loan ahead of schedule.

  • Fixed monthly payments: Because personal loans have fixed interest rates, your roof monthly payments won’t change. Fixed monthly payments will help you create an accurate budget for your project.

Our roofing loan calculator lets you choose different rates, amounts, and terms to figure out what your monthly payment would be.

Hearth 0% Financing Options

0% Financing Options

What is the offering?

0% credit card optional add-on for $199 a year

Homeowners will be able to access our 0% APR credit card marketplace, featuring cards from many of the nation’s leading providers.

Remember: 0% APR credit cards have a promotional period (usually up to 18 months) with no interest. If the homeowner can’t pay off the interest in time, then they will face high interest payments.

How does it work?

Contractors should always send homeowners through the normal loan request flow.

If a homeowner reports strong credit, they’ll see an option to explore our 0% APR credit card marketplace on the offers page.

The homeowner can click out to the page and explore options. Once they find one they like, they can apply for the card. We also prompt homeowners that haven’t picked a loan over email to find a 0% card.

Things to know

Unlike our loan request process, applying for a 0% APR card will affect the homeowner’s credit score. There is a separate application for each card.

We cannot guarantee ahead of time the credit limit, how long the promotional period will be, or the terms of the card. The homeowner has to apply to know.

We notify the contractor when their client clicks an offer and when the card has final approval and the homeowner has decided to get it. Status will be captured in the track section.