Find Your Best Financing Option in 60 Seconds

Five roofing financing partners offering options from $0 down, 0% intro APR, no-credit-check PACE, and home equity solutions for Sacramento homeowners.

Service Area

  • Sacramento
  • Roseville
  • Folsom
  • Elk Grove
  • Rocklin
  • Granite Bay
  • El Dorado Hills
  • Citrus Heights
  • Carmichael
  • Fair Oaks

4.9/5 stars from 186 customer reviews.

Financing Partners

  • Enhancify — Unsecured personal loans from $1,000–$100,000. Accepts FICO 550+. Decisions in 1–3 business days. 0% intro APR options available.
  • GreenSky — Same-day decisions. True 0% APR and deferred interest promotional plans. Requires 600+ FICO. Used by thousands of contractors nationwide.
  • Service Finance Company / Truist — Competitive fixed-rate loans with terms up to 12 years. Ideal for mid-range projects. 600+ FICO required.
  • RenoFi — Home equity-based financing at renovation-value rates. Up to $500,000 available. Requires 640+ FICO and 2–4 week appraisal process.
  • Renew Financial PACE — Property Assessed Clean Energy (PACE) — no credit check, property-based approval. Repaid through property taxes over up to 30 years.

Frequently Asked Questions

What credit score do I need for roofing financing?

Enhancify accepts FICO scores as low as 550, and Renew Financial PACE requires no credit check at all — it's property-based. GreenSky typically requires 600+, Service Finance Company / Truist 600+, and RenoFi 640+.

Are there 0% APR financing options for roofing?

Yes. Enhancify offers 0% intro APR via partner credit cards, and GreenSky provides both deferred interest and true 0% APR promotional plans.

How quickly can I get approved and funded?

Enhancify: 1–3 business days. GreenSky: same-day decisions. Service Finance Company / Truist: 2–5 business days. RenoFi: 2–4 weeks (appraisal required). Renew Financial PACE: 1–3 weeks.

What is PACE financing for roofing?

PACE (Property Assessed Clean Energy) financing through Renew Financial requires no credit check — approval is based on your property's equity. The loan is repaid through your property tax bill over terms up to 30 years. Ideal for homeowners who don't qualify for traditional credit.

Can I finance a roof with no money down?

Yes. Several of our partners offer $0 down options including Enhancify and GreenSky promotional plans. PACE financing through Renew Financial also typically requires no upfront payment.

How do I compare roofing financing options?

Use our free Financing Calculator on this page to compare monthly payments side-by-side across partners. Enter your project cost and see estimated payments for different terms and APR rates from all five partners.