Flexible Financing for Your Roofing Project
A new roof is a meaningful investment in your home—but it doesn't have to come with a heavy upfront cost. We've partnered with two trusted lenders to give you flexible financing options that fit your budget, your timeline, and your project size. Both let you pre-qualify in about a minute, with no impact to your credit score.
OR CALL US NOW AT (207) 200-1053
We work with two financing companies because no single lender is the right fit for every project. Whether you need a quick approval for a smaller repair or longer-term financing for a full replacement, we have an option that works.
We're not a financial institution and we don't make loan decisions ourselves. What we do is connect you with reliable, reputable lenders who specialize in home improvement financing—so you can get the roofing work you need, on terms that make sense for you.
Pre-qualifying through either lender is fast, easy, and won't impact your credit score.
Two lending partners. One straightforward process.
Financing through Wisetack
BEST FOR PROJECTS UP TO $25,000 WITH SHORTER TERMS
Wisetack is built for fast, simple financing decisions. The application takes about a minute, and you'll see your rates and terms immediately—without affecting your credit score.
✓ Finance projects up to $25,000
✓ Terms from 3 to 60 months
✓ APRs range from 0% to 35.9%*
✓ No hidden fees, no origination fees, no prepayment penalties
✓ Soft credit check — no impact to your credit score
✓ Application takes about a minute
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 per month for 12 months based on an 8.9% APR, or $400 per month for 3 months based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at https://wisetack.com/faqs.
Financing through HFS Financial
BEST FOR LARGER PROJECTS WITH LONGER TERMS—UP TO 20 YEARS
HFS Financial offers home improvement loans built specifically for projects like full roof replacements, where a longer repayment term makes the monthly payment more manageable. They fund 100% direct-to-consumer with no equity required and no stage funding—the loan is yours to use as you see fit.
✓ Personal loans — no home equity required
✓ Terms up to 20 years
✓ Low fixed rates (currently as low as 7.8% APR as of October 2026*)
✓ No prepayment penalties — pay off early without extra fees
✓ Soft credit check — no impact to your credit score
✓ 100% direct-to-consumer funding
*Rates and terms subject to credit approval. Currently, programs have rates as low as 7.8% fixed with terms from 1 to 20 years and there are no prepayment penalties. Loan terms and rates may vary based on your specific qualifications. See HFS Financial's website for complete terms and conditions.
Which option fits your project?
| Your project | Typical cost | Best fit |
|---|---|---|
| Roof repair | $300–$2,000 | Wisetack |
| Asphalt shingle replacement | $10,000–$25,000 | Wisetack or HFS Financial |
| Standing seam metal or cedar shake | $20,000–$40,000 | HFS Financial |
Wisetack: up to $25,000, 3–60 months. HFS Financial: larger projects, terms up to 20 years. See typical costs for every service on our Services page.
OR CALL US NOW AT (207) 200-1053
Our Tried-and-Tested Process
We believe the best tool on any project is a clear, organized process. Here's what working with us looks like.
GET AN ESTIMATE
It starts with a conversation. We'll come out, take a look at your roof, and talk through what we see—honestly and in plain language. No scare tactics, no pressure.
PREQUALIFY YOUR PROJECT
Choose Wisetack or HFS. It’s a soft credit check with no impact to your score. It typically takes about a minute.
PICK A PLAN THAT FITS YOUR NEEDS
Compare your rates and terms, and choose what works for your budget.
WE SCHEDULE YOUR PROJECT
Once you’re approved, we’ll set your start date. When we're done, we do a walkthrough together to make sure everything's right. And we follow up—because that's what neighbors do.
Common Questions About Financing
Still have questions?
Take a look at the answers here, or feel free to reach out anytime—we're happy to walk you through the details.
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Yes. We partner with two trusted lenders, Wisetack and HFS Financial, to offer flexible financing options for roof replacement, repair, and other projects across Maine. Both lenders allow you to check your rates with no impact to your credit score.
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Pre-qualifying takes about a minute through either of our lending partners. You can pre-qualify with Wisetack for projects up to $25,000, or with HFS Financial for larger projects with terms up to 20 years. Both options use a soft credit check that does not impact your credit score.
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No. Both Wisetack and HFS Financial use a soft credit check to show you your available rates and terms. This does not impact your credit score in any way.
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It depends on the lender and your qualifications. Wisetack finances projects up to $25,000 with terms from 3 to 60 months. HFS Financial offers larger loan amounts with terms up to 20 years for bigger projects like full roof replacements.
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Both Wisetack and HFS Financial work with a wide range of credit profiles. Pre-qualifying through either lender will show you the rates and terms you’re eligible for based on your specific situation, with no impact to your credit score.
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HFS Financial offers loans with no prepayment penalties. Wisetack also has no hidden fees, no origination fees, and no prepayment penalties. You can pay off your loan early without additional charges through either lender.