Every home and every situation is different, which is why we offer several ways to get started. Pick the option that fits you best and we will take it from there with our down-to-earth, helpful roofing team.
Getting a new roof or major repair should not have to wait until you have cash in the bank. Consumer First Roofing partners with Hearth to connect you with flexible monthly payment options for your roofing project in Spartanburg, Boiling Springs, and the Upstate. You get the same quality work, with a payment plan that can fit your budget.
A roof leak or storm damaged shingles rarely happen at a convenient time. Financing can help you:
Through Hearth, homeowners can see pre qualified offers from a network of lending partners that specialize in home improvement loans, often without using home equity.
You still work directly with Consumer First Roofing for your project. Hearth and its lending partners simply give you more ways to pay.
Enter a few basic details to see personalized monthly payment plans. Hearth uses a soft credit pull, so your score is never affected.
Compare offers from top lending partners. Select the payment amount and term that works best for you with no hidden fees, no surprises.
Once approved, we schedule your project and begin repairs or replacement right away. You get a safe, secure roof now and pay over time.
Many homeowners choose Hearth backed financing because:
Pre qualification uses a soft credit pull
You can often receive funds in a few days after final approval
Lending partners offer personal loans that usually do not require home equity as collateral
There are no prepayment penalties on loans found through Hearth, so you can pay off early if you want
Hearth is a technology company that works as a broker where required by law. It does not make loans or credit decisions itself. All loans are offered and serviced by its lending partners and are subject to credit approval and lender terms.
Financing is not the right answer for everyone, but it can be a smart option if:
If you are unsure whether a loan is right for you, consider speaking with a qualified financial advisor or your bank in addition to reviewing offers from Hearth lenders.
Filling out the initial Hearth pre qualification form typically involves a soft credit inquiry only, which does not affect your credit score. If you decide to apply with a specific lender, that lender may perform a hard credit check, which can impact your score, just like any other loan application.
Hearth works with a network of lending partners that mainly offer personal loans and sometimes other products for home improvement projects. These loans usually have fixed monthly payments and multi year terms. Many options do not require you to use your home as collateral. Actual products and terms depend on the lender and your qualifications.
Funding times depend on the specific lender, but many homeowners can receive funds within a few business days after final approval. Some lenders may fund as soon as one to two days.
No. Financing through Hearth is completely optional. You can pay with cash, check, or other accepted methods. The Hearth link is simply there to give you additional payment choices.
According to Hearth, loans obtained through its lending partners do not have prepayment penalties, so you can usually pay off your balance early and save on interest. Always confirm your specific lender’s terms before you sign.
Roof financing can be helpful in several situations:
Emergency roof repair: Cover urgent leak and storm damage repairs now and pay over time instead of living with an active leak.
Full roof replacement: Spread the cost of a complete shingle or metal roof replacement into manageable payments instead of one large lump sum.
Insurance deductible: If your roof is covered by insurance but you are responsible for a deductible, financing can help with that portion.
Upgrades and add ons: Use financing to upgrade to higher quality shingles, a standing seam metal roof, ridge venting, or upgraded underlayment.
As you build this page, you can link naturally to your core services, for example:
Roof replacement page when you talk about full roof replacement
Roof repair page for emergency repairs
Storm damage page for insurance claims
Metal roofing page for upgrades
If you would like to see what your monthly payments could look like before you decide, ask our team for the secure Hearth link when you request your roof estimate.We will inspect your roof, walk you through your options, and help you understand how financing fits into your overall project plan so you can choose what is best for your home and your budget.
