Financing a new roof
A roof is a 25–50 year investment. Here are the ways we make it affordable — from paying in full to monthly financing to working with your insurance adjuster.
How It Works
Three steps, no pressure
Check your options
About two minutes online. Soft credit check only — no impact to your score, no fee, no obligation.
Compare real offers
Acorn Finance checks 12+ lenders at once. You see actual offers side by side and pick the term that fits your budget.
We build your roof
Your loan settles directly with the lender. We schedule your install and get to work.
Why Finance With Us
Straightforward payment options
No surprises, no bait-and-switch. Understand your payment options before you sign anything.
Flexible payment structures
Pay in full, use milestone payments, finance through a third-party lender, or coordinate with your insurance claim.
No hard sell
We explain your options before you sign. No pressure to choose a specific payment path — pick what works for your situation.
Pre-qualify without credit impact
Third-party financing pre-qualification uses a soft credit inquiry — no impact to your credit score when exploring your options.
MN §325E.66 compliant
On insurance-claim work, we follow Minnesota's Storm Damage Contractor Law — no deductible rebates, written disclosures required.
Payment Structures
Choose what fits your situation
Mix and match where it makes sense — for example, financing part of a job and paying the balance in cash.
Pay in full
Check or ACH bank transfer — no card processing fees passed to you. Customers who pay in full at contract signing receive a 1–2% discount off the total job price. No interest, no monthly payment, no financing terms to track.
Milestone payments
10% deposit at contract signing. 40% at materials delivery (typically 1–2 days before install). 50% at job completion and final walkthrough. No interest, no fees — just a payment schedule tied to project milestones.
Financing through Acorn Finance
We work with Acorn Finance, a marketplace that checks your options against 12+ lending partners at once — you compare offers side by side and pick what fits. APRs typically range 6.99%–36% based on your credit, with loans up to $100,000 and terms up to 20 years. Checking your options uses a soft credit inquiry with no impact to your credit score, and there is no fee to Silver Loon Roofing or to you for checking.
Insurance claim pay
For storm-damage jobs where your homeowner insurance is covering the work: we coordinate directly with your adjuster, document the damage, and align our scope with the claim. You pay your deductible only — we do not waive, rebate, or absorb deductibles (MN §325E.66).
All financing is subject to credit approval. Rates and terms vary with your credit profile. Acorn Finance operates a marketplace of lending partners — it is not itself a lender, and the loan comes from whichever partner approves you, not from Silver Loon Roofing. Checking your options uses a soft credit inquiry and does not affect your credit score; pre-qualification is not final approval, and a hard credit pull may occur if you move forward with a specific lender's offer.
Want a monthly-payment estimate?
Use our financing estimator → — enter your roof size, pick a material, and see an illustrative monthly number. Instant results, no sign-up required.
For a binding number, request a free estimate — we inspect the roof, scope the job, and give you a written figure before any work starts.
Common Questions
Financing FAQ
- Can I finance part of the job and pay the rest in cash?
- Yes. You can split the payment — finance part through Acorn Finance and pay the balance by check or ACH. Tell us at contract signing and we will structure the invoice that way.
- What credit score do I need to qualify for financing?
- It depends on the lending partner — Acorn Finance checks your options against 12+ lenders at once instead of just one program. Pre-qualification uses a soft credit inquiry, so checking does not affect your credit score, and you'll see real offers (if any) before deciding whether to move forward.
- Can I finance an insurance-claim job's deductible?
- Usually yes. If your insurance covers the main job cost, you can finance your deductible through Acorn Finance. Per Minnesota law (§325E.66), we cannot waive or absorb your deductible — but you can finance it separately.
- Are there prepayment penalties on the financing?
- Terms vary by lending partner, and most roof-project lenders allow early payoff without penalty. Confirm this directly with your lender before signing — the loan terms are set by whichever partner approves you, not by Silver Loon Roofing or Acorn Finance.
- Is checking my rate a hard credit pull?
- No. Pre-qualification uses a soft credit inquiry, which does not affect your score. A hard pull happens only if you accept a loan offer and complete the full application with your chosen lender.
Questions about financing?
Call us or request a free inspection — we'll walk through the numbers with you before you commit to anything.