A new roof shouldn't drain your savings. Southern Star Roofing offers flexible financing options for qualifying Carolina homeowners — including up to 100% project financing in many cases. No high-pressure pitch, no surprise fees. Just straightforward options reviewed during your free estimate.
Roofs don't fail on a convenient schedule. Storm damage, slow leaks, and shingles past their useful life don't ask if it's a good month financially — they just go. And waiting on a roof that needs attention almost always makes the problem (and the eventual cost) bigger.
That's why we partner with reputable lenders to offer flexible financing for Carolina homeowners — including up to 100% project financing for qualifying customers. The application is straightforward, the terms are competitive, and most decisions happen in days, not weeks.
If financing would help you say yes to the roof your home actually needs, we'll walk you through it during your free inspection. There's no pressure to use it. There's also no reason to put off a project just because the upfront cash isn't there.
For a typical $12,000 residential roof replacement, here are sample monthly payments at common terms. Actual rates depend on credit, term, and lender — your specific options are confirmed during your free inspection.
*Sample payments illustrative only. Actual monthly payment depends on loan amount, term, interest rate, and credit. Rates and terms confirmed during application.
We've built our financing program to remove the friction from major roof projects — no surprise fees, no hidden lender shenanigans, no pressure tactics.
Qualifying homeowners can finance the entire roof project — including labor, materials, decking repairs, and gutters if bundled. No cash needed at the curb.
Most credit decisions happen within days, not weeks. Apply during your free inspection or shortly after — no need to wait around for paperwork.
Fixed-rate financing means your monthly payment never changes. Pay it off early without prepayment penalties on most plans.
Choose terms from short-payback to longer flexible plans. Match the monthly payment to your budget and the project to its useful life.
Financing is offered, not pushed. If it doesn't help you, we'll never bring it up again. Reviewers consistently call out our refusal to use pressure tactics.
You're financing a roof from a 15-year-old, A+ BBB rated, 390+ five-star Carolina roofing company. Not a fly-by-night chasing storms. That matters.
We come out, inspect your roof, and prepare a detailed written estimate.
If financing helps, we walk you through current programs, terms, and sample payments.
A short application — most decisions come back in days, not weeks.
Project scheduled. Roof installed in 1–3 days. Monthly payment begins per your plan.
Specific questions about your situation should be reviewed with your inspector or our finance partner during application — these answers cover the most common questions homeowners have.
No. Financing is available across a range of credit profiles. Higher credit scores qualify for the best rates and terms, but homeowners with average or rebuilding credit often have options too. The application takes about 5 minutes.
Common terms range from 5 years to 20 years. Shorter terms mean higher monthly payments but less total interest paid. Longer terms keep payments lower. Your inspector will help you pick the option that matches your budget.
Most plans we offer have no prepayment penalty — you can pay it off early to save interest. Specific fee structures vary by plan and lender; everything is disclosed upfront before you sign.
Yes. Most financing plans cover the full Southern Star scope — roof, decking work, gutters, gutter guards, and any approved add-ons. One application, one monthly payment.
Even better. We can finance your deductible plus any out-of-pocket portion. Many storm-damage replacements end up with very small monthly payments because insurance covers most of the project cost.
No — we partner with reputable third-party lenders that specialize in home improvement financing. We're not a bank. We facilitate the application during your project; the lender handles the credit decision and servicing.