Roofing Financing
Happy Roof partners with three of the top home-improvement lenders so you have real options, whether that's the fastest approval, the lowest APR, or the longest term. Start with a free estimate and we'll help you figure out which fits best.
Accreditations & Credentials
Accredited
Verify on BBB.org →
Preferred Contractor
Owens Corning
Certified Contractor
GoNano NuRoof
FL Licensed
CCC1337380
Insured
General liability + WC
Three Partners, More Approvals
Different projects, credit profiles, and timelines fit different lenders. Instead of routing every homeowner through a single partner, we pick the one that fits your situation after we quote your roof.
For Roof Replacements
Our go-to lender for full roof replacements. Built for larger project amounts with long terms and promotional 0% APR options for qualified homeowners.
Learn more at svcfin.com
For GoNano NuRoof Projects
Our financing partner for GoNano NuRoof treatments. Streamlined approvals designed to fit coating and roof-extension projects.
Learn more at greensky.com
Quick & Easy
The fastest soft-pull prequalification we offer. Great if you want to see your rate in about 60 seconds before we come out for your free estimate.
Learn more at enhancify.comAll three partners offer soft-pull prequalification, which means checking your rate will not affect your credit score. Terms, APR, and approval are determined by each lender.
How It Works
Call us or submit the contact form. We come out, inspect the roof, and send you a written estimate within one business day.
We walk you through which of our three partners fits your project cost, credit profile, and timeline best. No pressure, no up-sell.
You submit the application to the partner we picked together. Most decisions come back the same day, and we schedule installation as soon as you're approved.
Common Questions
Does checking my rate affect my credit score?
No. All three of our financing partners start with a soft credit check that doesn't affect your credit score. You only move to a hard pull if you decide to proceed with a formal application.
What credit score do I need to qualify?
Our three partners cover a wide range of credit profiles, which is one of the reasons we work with multiple lenders. The best way to find out what you qualify for is to request an estimate so we can match you with the right partner for your situation.
Can I finance a roof repair or just a replacement?
Financing is available for both replacements and larger repair projects. Minimum project amounts may apply depending on the financing partner.
How quickly can I get approved?
Most of our partners return decisions in minutes once you apply. Enhancify's prequalification takes about 60 seconds. We'll walk you through the application after your free estimate so you know exactly which partner is the best fit before you fill anything out.
Start with a free estimate. We'll quote your roof, walk through which partner fits best, and help you through the application if you want to move forward.