The three financing programs we offer
Program 1
18-Month Promo
$0 down · 0% APR · 18 months
Pay off in full within 18 months and pay zero interest. Best for homeowners doing a $10k-$25k replacement who can budget the full amount within 1.5 years.
Program 2
12-Month Same-as-Cash
$0 down · No interest · 12 months
Pay off in full within 12 months and you owe exactly the project cost — not a penny more. Most common for $5k-$15k repairs or maintenance jobs.
Program 3
Fixed Monthly
Up to 144 months · Fixed APR
Stretch payments over 5, 7, 10, or 12 years. Rate locks at application. Best for premium tile, metal, or commercial projects where the loan is structured as a long-term home improvement.
Estimated monthly payments by project size
Real-world examples using Program 3 (fixed monthly, 120 months, sample 9.99% APR — your actual rate depends on credit profile):
| Project | Total | 120-mo payment |
|---|---|---|
| Roof repair (mid-size) | $3,500 | ~$47/mo |
| Asphalt replacement, 2,000 sq ft | $13,000 | ~$174/mo |
| Standing-seam metal, 2,000 sq ft | $24,000 | ~$320/mo |
| Concrete tile, 2,400 sq ft | $28,000 | ~$374/mo |
Sample only. Your actual APR and payment depend on credit profile, loan term, and program selected. See your project quote for exact terms.
How to apply — 3 steps
- Get your DeHart estimate first. Schedule a free inspection — we'll write you a flat-rate quote so you know the exact financing amount you need.
- Apply through Service Finance Company (SFC) in 60 seconds. We send you a secure application link tied to our merchant account. Soft credit pull only — no score impact. You'll see your approved programs and terms immediately.
- We start your project. Once you accept terms, SFC pays us directly. You make monthly payments to Service Finance Company. We schedule install within the week (storm season permitting).
What can you finance?
- Full roof replacements — asphalt, tile, metal, flat — all eligible
- Roof repairs — partial replacements, deck repairs, ridge work
- Gutter and flashing — full installs and repairs
- Storm damage repair — bridge financing while your insurance claim processes
- Roof coating for flat or low-slope roofs
- Commercial roofing — consult with us for commercial financing options
What you'll need to apply
- Valid driver's license or state ID
- Social Security Number (for soft credit pull)
- Approximate household income
- Your DeHart project quote (we'll provide this after your free inspection)