Skip to Content
chevron-left chevron-right chevron-up chevron-right chevron-left arrow-back star phone quote checkbox-checked search wrench info shield play connection mobile coin-dollar spoon-knife ticket pushpin location gift fire feed bubbles home heart calendar price-tag credit-card clock envelop facebook instagram twitter youtube pinterest yelp google reddit linkedin envelope bbb pinterest homeadvisor angies

Financing

Roof Financing in Florida

If your roof is in need of repair or replacement, you may be wondering how you can afford such a large home improvement project. Financing a new roof in Florida is easier than you may think when you work with a reputable roofing contractor that offers financing solutions.

At Shingle Masters, we partner with finance companies to provide flexible roofing financing so you can get the roof you deserve without having to break the bank. With financing, you can spread out the cost of your roof replacement or repair over time through a loan.

Contact Us
A woman sitting on a couch with a roof over a piggy bank

What Can You Use Financing For?

Our roof financing programs allow you to finance a complete roof replacement, roof repair, soffit and fascia, and more. Financing can be used for all types and roofing materials, including:

In addition to the roof itself, financing can cover additional costs associated with your roof installation project, including permits, tear-off, repairs to any water-damaged areas, ventilation improvements, and more.

Working With Enerbank For Your Roof Financing Needs

We work with Enerbank USA, the nation’s leading home improvement lender, to work with customers in order to help them reach their home improvement goals. With an EnerBank loan, you can qualify for up to $50,000 in financing for your roof replacement with low fixed interest rates and terms from 3 months to 20 years. EnerBank offers simple interest loans, so you pay less over the lifetime of the loan.

EnerBank looks at more than just your credit score to determine your eligibility. They also consider your debt-to-income ratio, home equity, and history of managing other credit accounts. This increases your chances of approval even if you have less-than-perfect credit.

Contact Us
Image showing a roof over a question mark

Why Choose Shingle Masters For Your Roof Financing

When you choose Shingle Masters for roof replacement financing, you get the following benefits:

  • Multiple financing options within your budget
  • Low fixed rates and long repayment terms
  • Fast pre-approvals
  • Excellent approval rates
  • Only one convenient payment per month
  • Flexible loan terms of up to 20 years
  • Competitive rates and fees
  • Peace of Mind
  • Get pre-qualified without pulling a credit report

With over 20 years of experience, our fully licensed roofing contractors provide professional installations using top-quality materials. We pull all required permits and handle the full roofing process from inspection to tear-off to new roof installation. And when you choose Shingle Masters, your payments don’t begin until the project is completed! 

Investing in a new roof is an investment in your home for years to come. Contact us today to learn more about your financing options, and we’ll help you find the right financial solution for your roof replacement project.

Financing vs. Home Equity Loan vs. Credit Cards

When financing a new roof, you have options like taking out a home equity loan, using a credit card, or using Enerbank, our trusted financing institution. Here’s how they compare:

  • Lower interest rates than credit cards, which often have rates of 18% or more
  • No collateral is required, as your home would be with a home equity loan
  • Longer repayment terms of up to 20 years, so payments are lower each month
  • No fees to open the loan and no prepayment penalties
  • Quick approvals in 1-3 business days without needing perfect credit

Home equity loans do allow you to tap into your available home equity at competitive rates, but they also put your home at risk if you default. Credit cards offer convenience but very high-interest rates if not paid off quickly.

Our trusted roof financing institution gives you the best of both worlds – competitive rates, flexible terms, and the convenience of applying through your contractor.

Contact Us
A row of house with new roofs

Are There Prepayment Penalties?

No prepayment penalties! With our roof financing, you can pay off your loan early with no extra fees or charges. This allows flexibility if you come into funds to pay off the loan faster and save on interest.

  • Prepayment can happen in a couple of ways:
  • One-time lump sum payment for full payoff
  • Extra monthly payments are applied directly to the principal

Either option is penalty-free. We understand that life circumstances change and want to offer financing without restrictive fine print. Pay down your roof loan on your own timeline.

What If I Have Bad Credit or Bankruptcy?

We understand bad credit happens to good people. Don’t let credit challenges stop you from getting a new roof. Our financing partners look at more than just your credit score and are often able to approve financing in these situations:

  • Previous late payments, collections, or charge-offs
  • Bankruptcies or foreclosures
  • Low credit scores and a lack of credit history

To increase the chances of approval, we look for sufficient and verifiable income. We can provide pre-approvals to show you loan terms you may qualify for before completing full applications.

Even with less-than-perfect credit, roof financing is possible thanks to Enerbank, which specializes in flexible lending. We’re committed to finding a solution to match your budget and home improvement needs.

How to Improve Your Credit Score

Having good credit opens doors to better financing terms and rates for your roof as well as other big purchases and expenses. Here are tips to start improving your credit today:

  • Pay all bills on time each month
  • Pay down balances and avoid maxing out credit cards
  • Limit new credit inquiries by only applying for needed financing
  • Review credit reports for errors to dispute inaccurate info
  • Consider secured cards if you need to establish a credit history
  • Consolidate debt through a personal loan with fixed payments
  • Consider signing up for credit monitoring to track your FICO score 

With diligence and smart financial habits, your credit can rebound for qualification for affordable roof financing. Ask us for more tips!

Contact Us
A nail gun, some nails and a hammer on a roof being repaired.

Contact Shingle Masters Today

For a free consultation on roof financing, contact us today. Our financing specialists will explain your options and help you apply to find the right financing solution for your new roof.

Get the roof you need now without breaking your budget. A new roof is an affordable home improvement with our available financing options. Contact Shingle Masters to get started immediately!

Schedule Your FREE Roofing Quote Today


Back to the top