Roof Financing Options for Your Home
Honest Roof Financing. No Surprises.
Below, you’ll find the financing options we currently offer through Service Finance. These are the least "shark-like" plans we could find, but they still require a full conversation with your sales representative to make sure they’re a good fit for your budget.
Here’s how it works: Get a free roofing quote first.
This gives you a clear sense of whether you even need a full replacement, and how much it would cost. If you decide to move forward, your sales rep will walk you through the available loan options, including term lengths, interest details, and monthly payments.
There’s no need to be pre-approved before getting your roofing estimate. You’ll get transparent answers and no-pressure guidance. We’re here to inform, not upsell.
About Service Finance
Service Finance Company, LLC is a nationally recognized sales finance company and an approved FHA Title I Lender. They offer a wide range of over fifty financing options, including both promotional and standard installment terms, specifically designed for home improvement contractors participating in the SFC Financing Program. This helps Cenvar's customers finance their home improvement projects.
Finance Your Roof with Ease
Deferred Interest Plans
We offer two roof financing options of six months and eighteen months.
Zero Interest Plan
Six and twelve month same-as-cash options
Reduced Interest Loans
We offer two long term roofing financing options and one short term loan option.
Roof Financing Options For Your Home
This short-term option is best for small projects or homeowners who expect to pay off the balance quickly. It offers deferred interest with minimum monthly payments, but full repayment is required within 6 months to avoid interest charges.
For someone facing an urgent roof replacement but who doesn’t have the cash upfront, this structure provides time to pay without accumulating interest, assuming they can make consistent payments.
This “same as cash” structure means you’re essentially getting a one-year, interest-free loan, like buying now and paying later with no penalty, as long as the balance is paid in full by the end of 12 months.
This reduced interest short term plan is a smart option for homeowners who want predictable monthly payments over 5 years and prefer a lower interest rate with a shorter payoff timeline.
This long-term plan allows for lower monthly payments spread across 10 years, ideal for homeowners needing a more manageable budget and not expecting to pay off early.
With the longest repayment term available, this plan is perfect for homeowners who want the lowest possible monthly payments and need the most flexibility over time.
Why Cenvar Roofing Offers Financing Through Service Finance
For many years, Cenvar Roofing didn’t offer financing at all. Instead, we pointed customers to their local bank, where they could speak to someone face-to-face, talk through their financial needs, and get advice tailored to their situation. We felt that was the most transparent and customer-friendly approach, and frankly, we’ve always believed that paying in cash is the most cost-effective way to replace a roof.
But the reality is: roof replacements are expensive, and not everyone has that kind of cash ready to go. We’ve worked with hundreds of homeowners who were in urgent need of a new roof, but couldn’t delay the project and didn’t have a clear way to pay for it upfront.
We intentionally avoided lenders with predatory practices, high interest rates, or aggressive “sales-first” mindsets. That’s not who we are, and not the kind of experience we want our customers to have.
After reviewing several options, we partnered with Service Finance Company, a nationally recognized lender that offers fair, flexible, and homeowner-friendly financing plans. These aren’t gimmicks or bait-and-switch offers. They’re practical plans for people who need help managing a big investment like a roof replacement.
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