Roof Financing

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Roof Replacement Financing

How to Finance Your Roofing Project

Any type of home improvement or renovation project is an expensive undertaking, and while some can be seen as a luxury, the roof is something that simply can’t be ignored if it’s damaged. Ignoring a leaking roof can have catastrophic repercussions for the structural integrity of your home, so it’s important to have it put right. It is unlikely that you will be able to pay for a roof upgrade with savings alone, but with roof financing, you can ensure that the outside of your home is looked after.

Applying for a roof loan is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in less than 2 minutes and compare offers from top lenders with no impact on your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

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Apply online and find your best rate without affecting your credit score.

Can you finance a new roof?

If your roof has been damaged or you are simply looking to improve your home’s curb appeal, you can obtain financing to cover the high costs of replacing your roof. We will look at the available options a little later.

Lenders that offer roofing loans




Funding: Borrow $2,000 - $35,000
Minimum Credit Score: 550
APR: 9.95 - 35.95%
Loan term: 2 - 5 years
Funding turnaround: within 24 hours in most cases

With Avant personal loans, borrowers with fair to good credit scores can get access to super fast funding up to $35K. Best for debt consolidation.

Axos Bank

Axos Bank


Funding: Borrow $5,000 - $50,000
Minimum Credit Score: 700
APR: 7.15 - 17.99%
Loan term: 3 - 6 years
Funding turnaround: within 1-3 business days

AXOS Bank offers loans up to $50k and great refinancing options on existing loans. Best for borrowers with higher credit scores..

Best Egg

Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 640
APR: 5.99 - 29.99%
Loan term: 3 - 5 years
Funding turnaround: 1 - 3 business days

With Best Egg personal loans, borrowers with fair to good credit can get funding for 3-5 years and have the option to use the loan for a variety of purposes.

What is the best way to finance a roof?

The best ways to finance a roof are:

  • Home Insurance: This will only be available in certain circumstances, so make sure you check your policy.
  • HELOC: A Home Equity Line of Credit will provide you with a relatively large borrowing amount, with a low credit rate. You can use this money as and when, only paying interest on what you use. The downside is, your home is used to secure the loan, so if you are unable to make repayments, you risk losing your home.
  • Personal Loans: Personal loans are a popular choice for many home renovation projects. You will receive a lump sum which you are then required to pay back in either weekly or monthly repayments, with added interest. The borrowing amount and the interest rate will depend on your creditworthiness.
  • Roofing Company Financing: Many roofing companies work with a partner lender to offer personal loans to customers through their company. If your chosen roofing company does offer financing, make sure you compare what they offer with the financing you could get elsewhere.
  • Credit Card: It is never recommended to use a credit card to cover large expenses as their high interest rates make them very expensive. That said, if you have particularly strong credit or can find a card with a 0% APR introductory period, this could be an option.
  • HUD Home Improvement and Repair Federal Loans: Insured by the U.S. Department of Housing and Urban Development, there are several federal loans available through certain lenders. Eligibility requirements will be more specific, with loan amounts depending on creditworthiness and cost of home improvement. Click here to learn more about what is available to you.

What are the pros and cons of roof financing?


  • A new roof adds value to your home
  • You will be provided with a better quality of living
  • Allows the cost to be spread into more manageable payments
  • Protect your home from further disrepair


  • If you have bad credit, it will be costly or difficult to get – but necessary

Will a new roof increase home value?

Yes, a new roof will increase the value of your home, although, like all renovation projects, you are unlikely to get a 100% return on investment. According to Remodeling 2021 Cost vs. Value Report, you can recoup between 56% and 61% of a roofing replacement job cost, depending on the material.

Replacing your roof will allow you to ask more for your home, and it is more likely to be sold in a shorter time frame.

Need help finding the right loan?

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Will my home insurance pay for a new roof?

If your roof has been damaged by extreme weather or fire, your home insurance should pay for a new roof. If it is just a case of age or general wear and tear, roof replacement cannot be covered by home insurance. If you aren’t sure what your home insurance covers, read through your policy to ensure you aren’t leaving money on the table.

Do any roofers offer financing?

You may find that your roofer can offer financing, in the form of a payment plan, through a third-party lender. The term and interest rate will depend on your credit score as well as the roofer, but always be sure to look at other options to ensure you can’t get a better deal with an outside lender before making any commitment.

You should also be sure to carefully read the conditions. Some roofers will give a no- or low-interest introductory offer and then ramp it up to a much less affordable rate after a short period.

How can I pay for my roof with no money?

If you are unable to afford roof financing, there are home improvement grants available at the federal, state, and local government levels. This will provide you with the money you need to cover the costs of your new roof, without having to pay anything back.

Examples include:

Generally, these programs are available to the elderly, the disabled, or homeowners with a low or moderate income. To find out what may be available to you, you can look toward your local Housing and Urban Development office or the National Residential Improvement Association.

What time of year is best to replace a roof?

Most roofing professionals agree that the best time to replace a roof is during the fall. This is because the temperature is neither too hot nor too cold and generally stays consistent, meaning that roofers can make the most out of each day. Fall weather is also the most ideal for the setting of shingles.

What credit score do I need to finance a roof?

To finance a roof, you will need a credit score of 640 or above to qualify for the best loan types, terms, and rates.

With that said, it may still be possible for you to qualify for roof financing with bad credit, maybe even as low as 500, but you will be faced with particularly high interest rates. For this reason, you need to be sure that you will be able to afford the loan with the added interest payments before taking on a loan.

Roof Financing Calculator

To get a more accurate idea of how much your roof financing is likely to cost you, use our calculator here:

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What are the best roof financing lenders?

The best roof financing lenders include:

  • Avant
  • Axos
  • Best Egg
  • LendingClub
  • LendingPoint
  • PenFed
  • SoFi
  • Upstart

Compare and Apply

Getting a new roof will help to weatherproof your home, make it more energy-efficient, and add value to your home. If you need financing to repair or upgrade your roof, and you are ready to take on a loan, we have made it easy for you to compare lenders to find the most affordable option for you. Once you’ve browsed through our tables and found a loan that’s right for you, simply click apply and you will soon have the funding you need to renovate your roof.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

Compare Personal Loans in Minutes

Apply online and find your best rate without affecting your credit score.