Financing Options
A Quality Roof Shouldn't Break Your Budget
Summit Shield partners with GreenSky and Synchrony Financial to offer flexible roofing financing with same-day approvals, competitive rates, and zero pressure. Protect your home on your terms.
Choose What Works for You
Three flexible options designed for different homeowner situations. Our team will help you choose the best fit.
0% Interest
18-Month Promotional
via GreenSky
Pay nothing extra when you pay in full within 18 months. Perfect for homeowners who want flexibility without carrying financing costs long-term.
- 0% APR for 18 months on approved credit
- No prepayment penalty — ever
- Same-day approval decisions
- As low as $0 down payment
- Available for projects $2,000+
- Quick 2-minute online application
Low Monthly Payments
Extended Term Plan
via GreenSky / Synchrony
Budget-friendly fixed monthly payments from as low as $89/month. Finance the full project cost with predictable payments and no surprises.
- Payments from $89/month
- Terms from 24 to 120 months
- Fixed interest rate — no surprises
- No home equity required
- All credit types considered
- Monthly auto-pay available
Deferred Payment
6-Month Deferral
via Synchrony
Get your roof replaced today and start making payments 6 months later. Ideal for storm damage situations or homeowners waiting for insurance settlement.
- No payments for 180 days
- Protect your home immediately
- Ideal for insurance claim situations
- Quick approval — same day
- Competitive rates after deferral
- Coordinated with insurance timeline
How Financing Works
Get Your Estimate
Summit Shield provides a detailed written estimate for your roofing project.
Apply in 2 Minutes
Fill out a quick online application through GreenSky or Synchrony — soft credit pull, no impact to your score.
Same-Day Decision
Most applicants receive an instant decision. Our team will help you choose the best plan.
Protect Your Home
Work begins as soon as you're approved. You don't need to wait for financing to be settled.
Trusted Financial Partners
Summit Shield partners only with established, reputable lenders — not predatory financing companies.
GreenSky
GreenSky is a leading financial technology company that offers home improvement financing solutions. A+ BBB rating with over $35B in funded loans.
Synchrony Financial
Synchrony is one of the nation's largest providers of consumer financial services, with over 90 years in the industry and $100B+ in receivables.
Common Questions About Roofing Financing
Will applying hurt my credit score?
No. All of our financing applications use a soft credit pull, which does not impact your credit score. Only if you accept a loan offer will a hard inquiry be made.
Can I finance storm damage repairs if I'm waiting on an insurance settlement?
Yes — this is exactly what our Deferred Payment plan was designed for. You can get your roof repaired immediately and start payments 6 months later, by which time most insurance claims are settled.
What credit score is needed to qualify?
All credit types are considered. While the best rates require good credit (700+), GreenSky and Synchrony offer programs for a wide range of credit profiles. Apply and see — you have nothing to lose.
How long does approval take?
Most approvals are instant or within minutes online. In some cases additional verification may take up to 24 hours. Our team will help guide you through the process.
Can I pay off my loan early?
Yes, absolutely. There are no prepayment penalties on any of our financing programs. Pay as much as you want, whenever you want.
Ready to Get Started?
Our estimators will walk you through your financing options at no charge. Call today or fill out the form below.
Free Estimate
Get Your Free Roofing Estimate Today
No pressure. No obligation. Just an honest assessment of your roof from a GAF Master Elite certified contractor — delivered in writing, with photos, within 24 hours.
Our team typically responds to quote requests in under 90 minutes during business hours, and we offer evening and Saturday appointments.
Request Free Estimate
Tell us about your project and we'll be in touch shortly.