Roof Financing For Bad Credit

Get personalized roof financing rates in 60 seconds without affecting your personal credit score.
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How Roof Financing Works With Acorn

Check New Roof Loan Offers With No Impact To Your Credit Score


Get Your Roof Financed Quickly

Easy Monthly Payments

Secure Roof Financing Today

Acorn Finance puts you in control of financing your new roof or getting a loan for a roof repair. Compare personalized roof repair loan offers from lenders in our network, with no impact to your credit score. Check pre-qualified offers in seconds with our broad network of national lending partners who want to help you finance your roof. You can easily sort the financing offers based on what’s most important to you: interest rate, payment amount, length of the loan term. Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly get roof financing without the hassle.

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Roof Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your funds in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

The Best Way To Finance A New Roof

Compare roof loans without affecting your credit score.

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Learn More About New Roof & Repair Financing Options

Roof financing can help you fulfill one of the top priorities of home ownership: keeping a solid roof over your head. If you’re in need of a new roof or roof repair you will want to make sure you select a reliable company as well as a trustworthy lender. Below, we’ve compared some of the top lending options to help you make an educated decision. AcornFinance is a leading provider for roof loans. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Keep reading to explore the various roof financing options available for good and bad credit.

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Can You Finance a New Roof?

Yes, you can finance a new roof and it may be easier than you think to qualify. If you have good to excellent credit and equity in your home you can use a Home Equity Loan. Home Equity loans allow you to use your home as collateral and borrow against its positive equity. If you do not have equity in your home or have credit challenges you should consider a personal loan or financing options offered by the roofing or construction company. A little later on we’ll go into more detail about the various financing options available for a new roof.

Is Metal Roof Financing Available?

Just about any roofing material and installation can be financed, including a metal roof. Metal roofs can be a fireproof, long-lasting, and durable option but they do come at a cost. In most cases, a metal roof can cost about 2-3 times as much as comparable options. However, many homeowners still prefer them because they are less susceptible to leaking, easy to maintain, and reflect the heat allowing for lower cooling costs.

Can You Secure Solar Roof Financing?

Whether you already have solar and need a new roof or you are looking to install a new roof with solar you can qualify for financing. If you are installing solar and a new roof you may want to use separate loans for each project. Solar loans typically have lower interest rates than personal loans because in most cases they are secured loans. In addition, installing solar can allow you to become eligible for rebates and tax incentives. Solar loans are designed to help consumers finance solar and take advantage of the benefits they offer. If you sell your home and your solar is not paid off, it’s usually easier to pass over the solar loan to the new buyer. If you have credit challenges you may want to consider using a personal loan for the solar panels and the new roof.

Can You Get Roof Replacement Financing?

If you just need to replace a part or parts of your roof you can still finance the repair. Since this is a smaller job than replacing an entire roof your loan amount should be less. A personal loan can be easy to secure with long repayment terms, making it ideal for roof replacement financing. It may be better to use a personal loan rather than financing with the contractor because it’s a smaller job. You may have more negotiating power using outside financing. In most cases, home equity loans are better for larger loan amounts.

Can You Finance a Roof with Bad Credit?

If you have bad credit you can still qualify for roof financing. You may be asking yourself, how or where can I get approved? Let us help simplify this for you. If you have bad credit you should use a personal loan for roof financing. While you can go online and apply with multiple lenders, it’s much easier and better for your credit to just apply once. Acorn Finance provides a secure platform that can connect you with multiple lenders that can help you. You can submit one application online and receive multiple personalized personal loan offers within seconds.

How Much Does A New Roof Cost?

On average homeowners will spend about $7,680 to install a new roof. While entertaining offers and estimates you should use the ballpark of $5,000 – $10,000. It’s recommended that you should receive 3-4 estimates for your new roof or repair before selecting the company of your choice. Depending on location, size of the job, and other specifics the cost of your new roof installation or repair can vary. New roof financing options can provide an affordable solution for installing a new roof.

Does Adding a New Roof Increase Home Value?

Adding a new roof can easily increase the value of your home. It can increase the appraisal value and the perceived value. Some studies have even found that adding a new roof can return more than 100% of your investment. If your roof is not in good condition, it can make potential buyers very reluctant to purchase. Most buyers want a move-in ready home that does not need repairs. If your roof is relatively new and in good condition, adding a new roof may not increase your home value significantly. If you are unsure about replacing your roof you should consult a professional.

Can You Pay For A New Roof In Installments?

Financing a new roof can allow you to get the new roof you need while providing the flexibility to pay in installments. Most roof financing options will require a monthly payment. However, most options also offer generous loan terms and competitive interest rates.

Is Roof Damage Covered By Insurance?

Homeowners insurance can cover roof damage in some cases. Whether insurance covers roof damage or not typically depends on what caused the damage. In addition, most insurance policies have a deductible. Depending on how much your deductible is it may be more cost effective to fix your roof using a roof loan versus insurance.

How much does it cost to finance a roof?

How much it costs to finance a roof can depend on your loan amount, interest rate, and term. If you finance $7,700 at 4.99% for 6 years you should pay about $1,098 in interest. Your payment would be about $122. If you pay more than the minimum payment each month you can save a lot in interest. Increasing your payment by 20% can save you about $209 in interest for this loan example.

Do Roofing Companies Finance?

Some roofing companies may offer financing options. However, you will probably need good to excellent credit to qualify and they may charge you fees for the convenience of the service. In addition, you may have more negotiating power using outside financing.

When To Consider Roof Financing

If you need a new roof but do not have enough cash on hand to pay for the repair, you should look into roof financing. Paying a little in interest may be better than emptying out your savings account.

What Is the Best Way to Finance a Roof?

Below we’ve compared some of the most popular roof financing options to help you make a more educated decision.

Roofing/Construction Companies

Need help managing the cost of a new roof or a roof repair?In most cases, your construction company can help. Most companies can work with banks or lenders to provide roof financing options. Due to the volume of lending, companies can receive special rates and discounts that can be passed along to their customers. On the downside it can be harder to compare financing options when financing through a roof or construction company.


  • Special financing offers
  • Affordable payments
  • Funds available quickly
  • Allows you more flexibility
  • Saves time


  • Smaller companies less likely to offer roof financing
  • Risk of inflated pricing for materials or services
  • Harder to compare options


Personal Home Improvement Loans

Taking a personal loan for home improvements or roof financing can be an attractive option for many. Compared to a home equity loan, a personal loan allows you to only borrow the amount you need. In addition, no collateral is required in most cases. Personal loans can be a competitive options for good and bad credit types. AcornFinance is a reliable and top-rated company that provides personal loans for roof financing. Take advantage of affordable payment options and free services while saving tons of time.

Three steps to get started with AcornFinance:

#1. Complete and submit a short loan application online

#2. Receive multiple pre-qualified offers

#3. Get connected with lenders to obtain your pre-qualified loan


  • Loans available up to $100,000
  • Competitive interest rates as low as 4.99 percent
  • Terms up to 12 years
  • Receive pre-qualified offers without impacting your credit score
  • Easy to activate



  • Not a direct lender
  • Credit may be required for approval


Home Equity Loans

If you have significant equity in your home you may want to consider a home equity loan for roof financing. In simplest terms a home equity loan allows you to borrow money using your home as collateral. It’s important to note that when using a home equity loan you borrow the whole approved amount rather than just the amount you need.


  • Fixed interest rates
  • Potential tax deductions
  • Good option if you have bad credit
  • Competitive interest rates


  • Risk losing your home
  • High fees
  • May borrow more than you need

 Lines of Credit

A personal line of credit limit typically ranges from $1,000 – $100,000 and falls somewhere between a personal loan and a credit card. In most cases you would apply for a personal line of credit through a bank or credit union.


  • Unsecured loan (no collateral needed)
  • Use funds however you want
  • Quick access to funds


  • Variable interest rates
  • Uncertainty of what monthly payment will be
  • Annual maintenance fees can apply


Financing for Roofing Projects & Contractors

There are a variety of lenders and companies that work with contractors so that they can offer roof financing. Some of them may charge a fee to the contractor which can be passed along to the customer. As a consumer, you should ask the hard questions to make sure you are not paying more to finance with the contractor.


Keeping your roof in good working condition is an important part of maintaining your investment. A roof performs a very essential function of providing shelter and helping to keep us safe. Although a new roof or roof repair can be costly there are plenty of roof financing options that you can take advantage of. AcornFinance is a trustworthy company that partners with reputable lenders to provide competitive roof financing. You can apply online using their simple three step process to receive multiple offers for roof financing. This allows you to save time and compare offers easily. Ready to take the next step? Apple online today!

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