Flexible Roofing Financing
Protect your home or business now. Pay over time with affordable monthly payments
A New Roof Is an Investment, Not a Financial Burden
A roof replacement or major repair is one of the most important investments you can make in your property. But we know the upfront cost can feel overwhelming. That's why Roofs Etc has partnered with Enhancify to offer flexible financing options that let you move forward with confidence.
Whether you need a full residential roof replacement in Westchester, a commercial TPO installation in the Bronx, or emergency storm damage repairs anywhere in the Tri-State area, our financing options make it possible to get the work done now and spread the cost over time.
How Financing Works
Apply Online in Minutes
Use the secure application below to check your options. The initial check uses a soft credit pull, so your score won't be affected.
Review Your Options
Multiple lenders compete for your business. Compare rates, terms, and monthly payments to find the plan that works best for your budget.
Start Your Project
Once approved, we schedule your roofing project right away. Funds are typically available within 1-3 business days.
Check Your Financing Options
See what you qualify for with no impact to your credit score
Why Finance Your Roof?
Quick Online Application
Apply in minutes from your phone or computer. No paperwork, no branch visits.
Competitive Rates
Multiple lenders compete for your business, helping you find the best rate available.
Flexible Terms
Choose a repayment schedule that fits your budget, from 12 months to 15 years.
No Prepayment Penalties
Pay off your loan early and save on interest with many available loan products.
Financing FAQ
What credit score do I need to qualify for roofing financing?
Enhancify works with multiple lenders to offer options for a wide range of credit profiles. While higher credit scores typically unlock better rates, there are programs available for scores as low as 500. Apply to see what you qualify for. Checking won't affect your credit score.
How much can I finance for a new roof?
Loan amounts typically range from $1,000 to $100,000 depending on the lender and your qualifications. Most residential roofing projects in the Tri-State area fall well within this range, whether it's a shingle replacement or a full commercial membrane installation.
Does applying affect my credit score?
The initial application through Enhancify uses a soft credit pull, which does not affect your credit score. A hard inquiry only occurs if you choose to move forward with a specific loan offer.
How long does approval take?
Most applicants receive a decision within minutes. Once approved, funds can be available in as little as 1-3 business days so your roofing project can start on schedule.
Can I pay off my loan early without penalties?
Many of the loan options available through Enhancify have no prepayment penalties, meaning you can pay off your balance early and save on interest. Specific terms vary by lender and loan product.
What roofing services can I finance?
You can finance any roofing service Roofs Etc offers, including residential shingle roofs, commercial flat roof systems (TPO, EPDM, PVC), roof repairs, gutter installation, skylights, and more. If we do the work, you can finance it.
Questions About Financing?
Our team can walk you through financing options and help you find the right plan for your roofing project.
Residential services · Commercial services · Repairs & maintenance