Instead of $15,000 Today, Think $160 a Month.
A new roof doesn't have to empty your savings. Qualifying homeowners (680+ score) get 0% intro APR for up to 21 months through Hearth — check your rate in 2 minutes, no mark on your credit score.
Soft credit check only — no impact to your score until you accept an offer. Hearth NMLS #1628533.
Hearth — The Smart Way to Finance Home Improvement
Hearth has facilitated over $500 million in home improvement financing for 30,000+ contractors. Their 0% intro APR credit cards are industry-leading — no other platform makes interest-free roofing this accessible.
- 0% intro APR credit cards for 6–21 months (680+ credit score)
- Standard personal loans for all credit profiles
- 2-minute pre-qualification — soft pull only
- Funding in as little as 24 hours after approval
- NMLS ID# 1628533 — registered and regulated
0% APR
For up to 21 months — pay zero interest if balance cleared before promo period ends
2 min
To pre-qualify with a soft credit check that won't move your score
The Process
3 Steps from “I Need a Roof” to “I Can Afford It.”
Get Your Online Estimate
Use our Roof Replacement Cost Estimator to get an instant price range for your project. No personal info required at this step.
Open EstimatorWe Validate Your Quote
Homericly calls to confirm the estimate. If needed, we schedule a free in-person inspection to lock in the final number before you apply.
Apply Through Hearth
A 2-minute soft credit check — no mark on your score. Qualifying applicants (680+ score) can access a 0% intro APR credit card for up to 21 months.
Check My RateEstimated Rate Ranges
Your Rate Depends on Your Credit Tier.
680 or above? You may qualify for Hearth's 0% intro APR card — the most cost-effective way to finance a roof. All tiers get access to multiple lender offers in a single application.
0% Intro APR
Best RateScore: 680+
0% for 6–21 months
APR estimate
Excellent
Score: 720+
4.99% – 9.99%
APR estimate
Good
Score: 680 – 719
9.99% – 17.99%
APR estimate
Fair
Score: Below 680
17.99% – 35.99%
APR estimate
Rates shown are estimates only. 0% APR requires approved credit card application through Hearth (NMLS #1628533). Actual rates determined by lenders based on your full credit profile.
Financing available through these lending partners
Members Get More — and Pay Less.
How you pay determines what you save. Platinum Shield members paying cash, card, or ACH get 20% off all repair labour — the biggest discount we offer, reserved for members who don't finance. Non-members paying cash or card receive 15% off labour.
Choosing to finance? You pay full labour price — but you unlock $0 down, Hearth's 0% intro APR card, and the ability to start your project immediately with no cash out of pocket. For many homeowners, the flexibility of financing is worth more than the cash discount.
20% Off Labour
Platinum Shield members paying cash, card, or ACH — our highest discount, applied before your final invoice.
15% Off Labour
Non-members paying cash, card, or ACH. No membership required — just a straightforward cash discount.
$0 Down · 0% APR
Finance your project with no money upfront. Hearth's 0% intro APR card averages a 12-month promo window (credit-dependent).
Financing FAQs
Questions We Hear Every Day.
Does applying affect my credit score?
No. Hearth uses a soft credit pull during the rate-check process. Your score is not impacted until you formally accept a loan or card offer.
What is the 0% APR option and who qualifies?
Hearth offers 0% intro APR credit cards for homeowners with a 680 or higher credit score. The promotional period runs 6 to 21 months — if you pay the balance in full before the period ends, you pay zero interest. This is one of the most powerful financing tools available for home improvement.
What is the maximum loan term?
Personal loan terms run from 12 months to 144 months (12 years), depending on the lender and your credit profile. Longer terms mean lower monthly payments.
How long does approval take?
Pre-qualification takes about 2 minutes. Most approvals come back the same day. Funds can arrive in as little as 24 hours after final approval.
Can I pay off my loan early?
Most lenders in Hearth's network allow early payoff with no prepayment penalty. Confirm the terms in your specific loan or card agreement.
Do members get better financing terms?
Platinum Shield members receive 20% off labour costs, which directly reduces the amount financed. We also help members prepare their application to present the strongest profile to Hearth's lending partners. The 0% intro APR card is available to any qualifying homeowner (680+ score) — 12 months is the typical promotional window, but your specific terms depend on your credit profile and the lender. $0 down is available when you're approved through Hearth financing.
Is there a cash discount?
Yes. Customers who pay by cash or card in full at time of project approval receive a 15% discount off the total invoice.
What if my credit score is below 680?
Hearth works with multiple lending partners across the full credit spectrum. Even without qualifying for the 0% intro card, you may qualify for competitive personal loan rates. We encourage everyone to check — there's no risk to your score.
Is this a home equity loan?
No. These are unsecured personal loans and credit cards — your home is not used as collateral. This keeps the process fast and risk-free for you.
What amounts can I finance?
Loan and credit card limits vary by lender, but most finance between $1,000 and $100,000 — covering everything from a simple repair to a full commercial roof replacement.
$0 Down Roofing — 0% APR Available Through Hearth
Prefer to pay in full? Enjoy a 15% cash/card discount instead.