Financing Options For Roof Replacement

Repairing or replacing your roof is a large expense. We do our best to make sure our customers have the best options available to make their new roof affordable. While we don’t offer direct in-house financing, we have partnered with two third-party companies, Truist and Enhancify, to offer a variety of flexible financing options to meet your needs.

You can learn more about the various Truist financing options on our financing page and on our blog. Keep reading to learn more about Enhancify.

About Enhancify

Enhancify is a service that bridges the gap between homeowners and lenders to help make the home improvement process easier. Whether you need money quickly, have a low credit score, or are just looking for a hassle-free process, Enhancify can help. The network consists of top-rated lenders who offer unsecured roof financing options for homeowners. They offer several options with varying APR, monthly payment terms, and credit requirements.

Enhancify Loan Options

Enhancify offers three different loan types for customers to choose from. This allows each person to find the borrowing and repayment option that works best for their situation.


Direct loans are available with annual percentage rates (APR) ranging from 4.99-12.99%. These loans have repayment terms between 3-15 years, which gives you the flexibility to choose what works best for your needs. This option is available to those with credit scores of 600 and above.


Indirect loans through Enhancify are available with APR rates as low as 4.99%, and repayment terms up to 7 years. These loans are available to those with credit scores as low as 500. The application process is simple, with little verification required, and funds are directly available to the homeowner within a few days of loan approval.

Credit Card

The third option Enhancify offers is a credit card. This card offer has a 0% APR for the first 18 months, which allows you to pay back as much of the loan as possible interest-free during that time. The application process for this card is simple, and the credit is available as soon as you are approved.

Frequently Asked Questions

Is my information secure with Enhancify?

Enhancify takes privacy seriously and all of your information is protected in multiple ways. One way is by using an SSL (Secure Sockets Layer) to establish an encrypted link so everything you provide to us remains private. You can review their privacy and security policy here.

What is an unsecured loan?

An unsecured loan also referred to as a personal loan, is a loan that is based solely on the borrower's credit, rather than by any type of collateral. An unsecured loan can be used for almost any purpose, including home improvements, debt consolidation, wedding expenses, etc.

What is a secured loan?

A secured loan is a loan that uses an asset, such as a car or home, as collateral. If you default on the loan, the bank/lender may repossess the car or home.

Does Enhancify have any credit requirements?

No, Enhancify’s partner network consists of lenders who are able to assist with all credit situations and needs.

Does Enhancify or any of its lending partners pull a credit report?

No, Enhancify does not pull your credit and in most instances, the lending partners will only do a soft inquiry. However, if the lending partner does do a hard inquiry, they will notify you beforehand, usually somewhere on their website or prior to submitting your application with them.

What is the difference between a soft inquiry and a hard inquiry?

A soft inquiry is an inquiry that occurs when a credit card company or a lender checks your credit to pre-approve your credit offer. Soft inquiries do not appear on your credit report, nor do they impact your credit scores.

A hard inquiry occurs when a bank or lender reviews your credit report as part of their decision process. A hard inquiry does show up on your credit report and will impact your credit score.

Does Enhancify have any fees for the consumer?

No, Enhancify doesn’t charge any fees to the consumer for our services. Each lender you are matched with determines their own policy for what they charge. We are unable to determine the number of closing costs or out-of-pocket expenses you may incur, however, once we match you with a lender, you can discuss your specific situation with them.

A handshake after a roof replacement financing agreement

Cenvar Roofing’s No Money Down Guarantee

We have a no money down guarantee on all of the services our roofing company offers. This means we don’t ask for a down payment before we work on your roof. Your invoice will be sent after the work is complete and you are completely satisfied with the final product. If you’re ready to take the next step toward replacing your roof, schedule your free estimate today.

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