Get the Roof You Need Today.
Pay Monthly.
100% financing for your roofing project through Hearth. See your personalized monthly payment options in minutes — without affecting your credit score.
All loans subject to credit approval. Hearth is a financial technology company, not a lender. Loans are made by partner lenders.
Why Hearth Works For Homeowners
We partnered with Hearth so you can fund the project you need, on a payment schedule that fits your budget.
Up to $100,000
Loan amounts large enough to cover full roof replacements, storm restorations, or full property rebuilds.
Funding in 1-3 Days
Get approved fast and start the work without waiting on insurance checks or saving up.
No Credit Impact
Checking your rate is a soft pull and won’t affect your credit score in any way.
No Home Equity Required
You don’t need to tap into your home’s equity. These are unsecured personal loans.
No Prepayment Penalty
Pay it off early whenever you can. There are no fees for paying ahead of schedule.
Affordable Monthly Options
Multiple loan terms means you can pick the monthly payment that fits your budget.
Frequently Asked Questions
How does the application work?
Click “Apply for Financing” above. You’ll be taken to Hearth’s secure application. It takes about 60 seconds, you’ll see your rate and monthly options instantly, and there’s no impact to your credit score for checking.
What can financing cover?
Any work we do for you — full roof replacements, storm damage repair, fire and flood restoration, siding, gutters, windows and doors, decks, fencing, or full property rebuilds.
Will my credit score be affected?
No. Pre-qualifying through Hearth uses a soft credit pull which does not affect your credit score. A hard pull only happens if you decide to accept a final loan offer.
What credit score do I need?
Hearth works with multiple lender partners and offers options across a wide range of credit profiles. Even if you’ve been turned down elsewhere, it’s worth checking your rate.
How fast will I get the money?
Once approved, funding typically arrives in 1-3 business days. We can begin scheduling your project as soon as you’re approved.
Can I pay it off early?
Yes. There are no prepayment penalties. Pay it off as fast as you’d like with no extra fees.
Ready to Get Started?
Check your rate now — takes 60 seconds, no impact to your credit.