Our Financing Program

Simple and Easy Financing for Your Project

 

Service Finance Logo Roofing

 

We've partnered with Service Finance, a subsidiary of Truist, to offer a seamless financing experience for your project!

Financing your roof with On Tops is fast and simple. Just sign your quote, complete a quick application, and get approved in minutes. Once the work is done, we’ll handle the financing process so you don’t have to worry about a thing.

Soft Credit Pull

Complete a quick 60-second application to view your options—without affecting your credit score.

Flexible Terms

Choose from flexible terms ranging from 6 to 120 months to fit your budget and project needs.

Affordable Rates

With rates starting at 0% and flexible options up to 9.99%, there’s a plan that works for almost any budget.

Our Financing Plans

Our Most Popular Plan: Low Monthly Payments, Long-Term Flexibility

Looking to spread your roofing investment out over time with predictable, affordable payments? Our most common financing option offers a fixed 7.99% APR for 120 months (10 years), giving you the ability to tackle your project now and pay it off gradually.

This plan is perfect for homeowners who want to keep monthly payments low while covering everything from small repairs to full roof replacements. With no prepayment penalties, you can pay it off early anytime—on your terms.

Fast Payoff Option: Same Great Rate, Shorter Term

Prefer to pay off your roof quickly? Our 60 month financing plan at 7.99% APR offers the same competitive rate as our long-term option, but on a shorter timeline. It’s ideal for homeowners who want to keep interest low and wrap up payments faster—without tying up their finances for years.

Enjoy a simple, straightforward plan with no prepayment penalties and the same easy approval process.

Interest-Free for 12 Months: No Interest, No Worries

Want to avoid paying interest altogether? Our 0% interest for 12 months financing option lets you split your roofing investment into manageable monthly payments—without paying a dime in interest if paid off within the term.

It’s a great choice for homeowners who want short-term flexibility without added cost. Get the roof you need now and pay it off over the next year—interest-free.

Financing is provided by Service Finance Company, LLC and is subject to credit approval; financing plans, terms, and availability are subject to change without notice. Please contact our office if you have any questions.

 

Financing Question?

We're here to help.

Our team is experienced in handling your roof financing from start to finish. If you have a question fill out the form to the right and we'll reach out to help.