1 · Check your rate
Use the calculator above or fill out the form. A soft credit pull surfaces your real, personalized rate — with zero impact to your score.
Pre-qualify in 60 seconds · No impact to your credit
· Powered by Hearth
Roof Financing · NC Homeowners
A new roof shouldn't wait for your savings account. Finance it for less than your phone bill.
Spread the cost of a StormSafe roof over 5–15 year terms with low fixed monthly payments. Pre-qualify in 60 seconds with no impact to your credit score — through our financing partner Hearth.
From
$159 /mo
Sample monthly payment
Up to
15 yr
Loan term options
Approval in
60 sec
Soft credit pull
- ✓ $0 down options available
- ✓ No prepayment penalties
- ✓ Loans from $1K to $250K
- ✓ Most decisions in minutes
NC Licensed & Insured
FORTIFIED Certified
50+ ★★★★★ Google Reviews
Local · Triangle-Owned
BBB Accredited
Live Payment Calculator
See your monthly payment.
Right now. No salesperson.
Drag the loan amount and term to see your real monthly payment, powered by Hearth — our financing partner trusted by tens of thousands of contractors. The calculator pulls live rate ranges, so what you see is what you'll see when you apply.
- ✓ Loans up to $250,000
- ✓ Terms from 24 to 180 months
- ✓ No prepayment penalties
- ✓ Same-day decisions
Soft credit pull · No score impact
Your Monthly Payment, Calculated
Adjust the amount and see what a StormSafe roof would cost you per month.
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Estimates are based on Hearth's lender network. Actual rates & terms depend on credit profile.
Powered by Hearth
Trusted by 18,000+ home-improvement pros
Hearth is a financing technology platform — not a lender. When you check your rate through StormSafe, Hearth shows you offers from a network of vetted U.S. lenders so you can pick what works best. Checking your rate is a soft pull and won't affect your credit score. APRs typically range from about 6.99% to 35.99% based on credit profile.
How Roof Financing Works
Four steps. About 10 minutes total.
No paperwork shuffles, no in-home sales pitch, no waiting weeks for an answer. Most StormSafe customers go from first form to funded loan in a single afternoon.
2 · Pick your offer
Compare loan offers side-by-side. Choose the term and monthly payment that fits your budget. No pressure, no obligation.
3 · We schedule the work
Once you're approved and your roof scope is locked in, we book your install. Most full replacements finish in a single day.
4 · Pay over time
Funds go directly to StormSafe. You pay your lender on simple monthly terms — no balloon payments, no prepayment penalty.
The Math On Waiting
Putting it on a credit card costs more than financing it.
If you've already got a leaky roof, a damaged shingle field, or shingles past their lifespan — every month you wait costs you money in repair patches, energy bills, and interior damage. A purpose-built roofing loan beats most credit cards on rate, term, and total interest paid.
Credit card or HELOC scramble
What most homeowners default to
- ✕ 20–28% APR on most cards — fast-growing balance
- ✕ Variable rates that can climb without warning
- ✕ HELOCs can take 4–8 weeks to close
- ✕ Eats up emergency credit you may need elsewhere
- ✕ Minimum payments stretch debt for 10+ years anyway
StormSafe + Hearth financing
What this page gets you
- ✓ Fixed APRs from ~6.99% for qualified borrowers
- ✓ Same-day approval & funding for most loans
- ✓ $0 down options · 5–15 year terms
- ✓ No prepayment penalty — pay it off any time
- ✓ Doesn't touch your home's equity or credit lines
Why Finance With StormSafe
Built for real budgets — not a sales gimmick.
We're not a dealer who marks up your roof to "absorb" 0% promo rates. The price is the price. Financing is just a way to spread it.
Honest pricing
The cash price is the financed price. We don't hide dealer fees in promo-rate offers like some big-box installers do.
Pre-qualify in 60 seconds
Soft credit pull only. See real rates and monthly payments before you commit to anything — including the roof itself.
Roof-friendly terms
Most homeowners pick a 7- or 10-year term so the payment matches the savings — and so a new roof never feels like a "scramble" purchase.
Wide credit range
Hearth works with lenders for fair, good, and excellent credit. If you've been turned down elsewhere, it's worth checking — many homeowners qualify here.
$0 down available
Many homeowners get approved with no down payment — useful if you're using cash for an insurance deductible or other home repairs at the same time.
Same warranty either way
Financed or paid in cash, you get the same FORTIFIED-grade install, the same workmanship warranty, and the same Triangle-local crews.
50+ Five-Star Google Reviews
Triangle homeowners who chose to finance — and never looked back.
From the initial phone call to completion, the team was friendly, responsive, and attentive. They kept me informed throughout and made sure I was satisfied. Their commitment to customer satisfaction is commendable.
David James
★★★★★ Google
Thomas and Chad replaced our roof. They made the process so easy and we're very pleased. It's been over a week and we've only found four nails in the yard. On time, respectful, and a great job cleaning up.
Heather Lindgren
★★★★★ Google
They literally took the stress out of distress. Walked my family through every part of the process and made the whole thing actually feel manageable.
PJ Baker-Nicholas
★★★★★ Google
Questions Homeowners Ask
Roof financing FAQ.
Will checking my rate hurt my credit score? +
No. Hearth uses a soft credit pull to pre-qualify you, which has zero impact on your credit score. Your score only takes a small hit if you formally apply with one specific lender — and even then, the impact is small and short-lived.
What credit score do I need? +
Hearth works with lenders across the credit spectrum — fair, good, and excellent credit. Many homeowners qualify with scores in the 600s, though the best rates go to higher scores. The only way to know your real options is to check.
How much can I borrow? +
Loans range from $1,000 up to $250,000 depending on the lender and your credit profile. For most full roof replacements in the Triangle ($14k–$40k), homeowners get approved comfortably within their lenders' limits.
What are the typical rates and terms? +
APRs typically range from about 6.99% to 35.99% depending on credit, with terms of 24 to 180 months (2 to 15 years). Most StormSafe customers pick 7- to 10-year terms to keep monthly payments manageable while paying minimal long-term interest.
Are there prepayment penalties? +
No. Every loan offered through Hearth's lender network is free of prepayment penalties. If you decide to pay your roof off early — say, when a tax refund or bonus lands — you can do so without extra fees.
Can I use this to cover my insurance deductible? +
Yes. We've helped many homeowners use financing to cover the out-of-pocket portion of an insurance claim. Just note that StormSafe never finances or "absorbs" your deductible — that's against NC insurance law. We do, however, help you finance it through a third-party lender, which is fully legitimate.
How fast can I get funded? +
Most lenders fund within 1–3 business days of approval — sometimes same day. From the moment you check your rate to the moment a check is in StormSafe's hands, it's typically under a week. Your roof can be installed shortly after.
A new roof from $159 a month. See your real number now.
Soft credit pull. No salesperson. No commitment. Just your real personalized rate, in 60 seconds.
