Roof Financing with Bad Credit

More options exist for consumers with bad credit to finance their roofs than before. And using this financial tool may make protecting your home from the elements more realistic, even if your credit history isn’t stellar. Here are the essential aspects of bad credit roof financing:

  • What Exactly Is Bad Credit Roof Financing?
  • Does “No Credit Check” Mean the Same as “No Credit Needed”?
  • Where is Roof Financing for Bad Credit Available?
  • Who Can Get Roof Financing, and How Do I Apply?
  • FAQs About Bad Credit Roof Financing

Bad Credit Roof Financing – What Is It?

Depending on the extent of the work done by the roofer, repairing a roof leak, replacing shingles, or replacing a roof altogether can be expensive. It may not be easy to pay out of pocket, all upfront, for a roof.

Traditional loan options are a common way homeowners can pay roofing contractors when completing a home improvement project. But what about those with bad credit or no credit history?

No Credit Check vs. No Credit Needed for Roof Financing

“No credit check” vs. “no credit needed” – what do they actually mean? Though the terms sound similar, it’s important to know the difference between the two.


No Credit Check vs. No Credit Needed

  • No Credit Check is when someone’s credit will not be pulled.
  • No Credit Needed refers to the fact that your credit score may be checked, but there are other factors that are part of the approval requirements.
close up of credit report paper with poor score

What Kind of Roofing Can Be Financed with Bad Credit?

Roof financing may be a good option for consumers with bad credit who need a roof repair done quickly to prevent further home damage, or for a homeowner that may have an older home and needs a roof replacement.


You might be wondering: Is a lease the same as a loan?

Leases & loans are quite different – here’s what you need to know:

  • A loan (or personal loan) is generally a lump sum of funds provided on the recipient’s behalf that is paid back over time (and, like most loans, includes interest.)
  • A lease (or lease-to-own option) allows the recipient to possess the leased item for a pre-determined period of time and includes the option to purchase the item outright. It does not include interest but has leasing fees.


Alternative lenders may be able to offer financing for the repair cost to alleviate a portion of the financial burden associated with big contracting jobs and paying roofing companies.


Roofing for 2022

Roof Material: Wood

Average Price**: $4.50 PSF – $9.00 PSF

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Roof Material: Aluminum

Average Price**: $7.00 PSF – $10.00 PSF

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Roof Material: Concrete Tile

Average Price**: $10.00 PSF – $15.00 PSF

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Roof Material: Clay Tile

Average Price**: $10.00 PSF – $18.00 PSF

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Roof Material: Asphalt Shingles

Average Price**: $1.50 PSF – $4.50 PSF

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The Popularity of Financing Roofing

Many roofing repair and roof replacement jobs may require outside financing to help customers pay for the repair work.

Instead of paying the entire roofing bill upfront, finding an alternative lender that may be able to spread the costs over monthly payments may help. Paying for it over time instead of all at once may help, as opposed to paying for it all upfront and therefore leaving little cash to access.

man installing metal roof on ladder

Bad Credit Roof Financing Options

Your credit score may make it more difficult to get traditional financing for your roof. Traditional lenders may not approve borrowers below a certain credit score when seeking financing. However, some alternative lenders may be able to help borrowers with less-than-perfect credit access financing options,* whether you have bad credit or no credit at all.

Applying for Roof Financing with Bad Credit

There are a variety of options that an alternative lending company can offer, which may be helpful if you have less-than-stellar credit or little to no credit history. Although your credit history may be checked, they may also consider more than just your lending history.

If you’re looking to get approved for alternate financing,* it’s important to partner with a reputable and trustworthy lender that considers more than just your credit score and your credit history.

installing roof shingles

Bad Credit Roof Financing in Summary

Bad credit roof financing is a way for people who have a fair to low credit score but need roof repair or replacement to seek payment solutions.* Fortunately, today there are alternative lenders that offer financing options* for roof repair and replacement, even with a bad credit history.

top view roof installation apartment building

Roof Financing with Bad Credit FAQs

Here’s a list of frequently asked questions and their answers to help you in your search for roof financing.


Q: What Qualifies as “Bad Credit” Financing?

A: A credit score of below 670 is considered fair. Individuals with no credit or low credit scores may still be able to access goods and services via bad credit financing upon approval.


Q: What Credit Score Is Required to Get Financing?

A: Traditional lenders may require a credit score of 670 or higher to qualify for financing.

Alternative lenders, however, often offer financing options* for those with less-than-perfect credit (or no credit). Oftentimes, although your credit score will be considered, it’s generally not the only factor. Alternate lenders may consider other factors when determining whether you are eligible for financing.


Q: Where’s the Best Place to Finance a Roof?

A: Borrowers with fair to poor credit who are looking to purchase a new roof or roof repairs may be able to apply for financing through a variety of alternative lenders.

Use the Merchant Search tool* to see merchant options around you and start the application process.


Q: How Can I Finance a Roof with Bad Credit?

A: You may be able to apply for roof financing in minutes. Not everyone is approved, but bad credit does not automatically mean a denial. Although your credit history may be reviewed, a less-than-perfect score won’t necessarily disqualify you.


Q: Where Can I Use My Roof Financing if Approved?

A: There are locations across the United States that potential borrowers may choose from. Use our Merchant Search tool* to locate a store near you and apply for financing online. You’ll receive a response in as soon as minutes.