Find out what you qualify for in about two minutes. Sunny Roofing partners with Regions Bank to offer home improvement financing from $1,000 to $70,000. Pick a plan below and PreQualify. Soft credit check, no impact to your score, answer on the spot, and the approval is linked to Sunny Roofing so the money is ready before we arrive.
12-Month Same-As-Cash
No interest for 12 months*
No monthly payments and no interest if the balance is paid in full within 12 months. Get the roof done now and pay when the insurance check, bonus or tax refund lands.
$1,000 to $70,000
PreQualify for this plan9.99% APR, 5-Year Loan
9.99% fixed APR
One predictable monthly payment over 60 months. About $21.69 per month for every $1,000 borrowed.
$3,500 to $70,000
PreQualify for this planTraditional Installment Loan
As low as 8.99% APR
Fixed-rate installment loan with the rate set by your credit. Choose the term that fits your budget.
$1,000 to $70,000
PreQualify for this plan*All loans subject to qualification, required documentation and credit approval. Credit and loans provided by Regions Bank, Member FDIC, Equal Housing Lender. Rates and terms effective February 2026 and subject to change; minimum loan amounts apply. Same-As-Cash: interest accrues from disbursement and is waived only if the loan is repaid in full within the same-as-cash period. 9.99% offer: 9.99% fixed APR, 60-month term. Traditional Installment: fixed APR from 8.99% up to 24.49%, credit-dependent. Florida APR will not exceed 17.99%. Monthly payment figures are estimates only and are not guaranteed. PreQualify uses a soft credit inquiry that does not affect your credit score.
Why Apply Before Your Estimate?
- Know your budget first. Walk into the estimate already knowing your approved amount and monthly payment.
- No delay once you say yes. Approved funds are tied to Sunny Roofing, so we can schedule your roof the same day you sign.
- No credit hit. PreQualification is a soft inquiry. Your score is untouched until you accept a loan.
- No pressure. Approval never obligates you to use it. It just gives you options.
How Roof Financing Works With Sunny Roofing
- 1. PreQualify online. Two minutes, soft credit check, instant answer. Use the button on this page so the approval is linked to Sunny Roofing.
- 2. Get your free estimate. A project manager inspects the roof, explains your options and prices the job. Request a free estimate.
- 3. Pick your plan. Same-as-cash, fixed low payment or a longer installment term. We help you match the plan to the quote.
- 4. We build your roof. Funds go straight to the project. Every job carries a dedicated project manager and a 15-year workmanship warranty.
Insurance Claim? Financing Still Helps
Many homeowners use financing to cover a deductible, code upgrades the carrier will not pay for, or work started before the claim check arrives. Sunny Roofing handles the claim paperwork and can pair it with financing so nothing waits on the insurance company.
Which Plan Fits
- Short-term plans for repairs and smaller replacements: fewer months, less interest paid overall.
- Fixed long-term plans for full replacements: one predictable monthly payment for the life of the loan.
- Options for all credit types through partner lenders, so a past credit issue does not stop a needed roof.
- Insurance-gap financing to cover a deductible or a code-upgrade cost the carrier did not pay.
Sunny Roofing’s project managers walk through the plans during the estimate and help with the application. Financing decisions are made by the lender; Sunny Roofing does not charge for helping you apply.
Frequently Asked Questions
Do I need perfect credit to finance a roof?
No. Partner lenders offer plans across credit profiles. The application takes minutes and does not commit you to anything.
Can I pay off roof financing early?
Most plans allow early payoff without a penalty. The lender’s terms are shown before you sign.
Can I finance my insurance deductible?
Yes. Financing can cover the deductible and any work the claim does not, such as code upgrades.
Does prequalifying affect my credit score?
No. PreQualification is a soft inquiry that does not appear on your credit report. A hard inquiry happens only if you accept a loan.
How long does it take to get an answer?
Most applicants get a decision in about two minutes online. Some applications need documents and take longer.
Do I have to use the financing if I am approved?
No. Approval gives you a budget and options. You can pay by check, card, insurance proceeds or financing, or any mix.
Can I finance a roof repair, not just a full replacement?
Yes. Loans start at $1,000, which covers most repairs, and go up to $70,000 for full replacement, metal, tile and commercial work.
What is same-as-cash?
You pay no interest if the balance is paid in full within the 12-month period. Interest accrues from the start and is waived when you pay it off in time.
Why apply through the Sunny Roofing link instead of the bank’s website?
The link carries Sunny Roofing’s contractor number, so your approval is tied to our company and the funds can be applied to your project the day you sign. Applying elsewhere means starting over.
Let’s Get Started
- Call Today (561) 650-1355
- Email Us appointments@sunnyroofingcfl.com
- Address 1922 Hillcrest St. Orlando, FL 32803
Schedule a Free Estimate
Pick a time online, or call and we set it up for you. Free, no obligation, written report with photos.
Need to finance it? Plans from $1,000 to $70,000, soft credit check, answer in minutes. See financing plans