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.

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 Regions Bank For Your Roof Financing Needs

We work with Regions Bank, the nation’s leading home improvement lender, to work with customers in order to help them reach their home improvement goals. With an Regions Bank 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. Regions Bank offers simple interest loans, so you pay less over the lifetime of the loan.

Regions Bank 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.

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.

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 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!

Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of 4/1/2025, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00