Roof Now.
Pay Later.
Get the roof your home deserves — without waiting or worrying. Finance your project with trusted partners and clear terms.
Why Financing Makes Sense
Don't let cost delay the protection your home needs.
Protect your home now
Fix leaks or replace aging shingles before storms make things worse — and more expensive.
Spread payments easily
Break a large project into manageable monthly payments that fit your household budget.
Keep your savings intact
Reserve your cash for emergencies while still investing in your home's protection.
Add value instantly
A new roof boosts curb appeal, comfort, and resale value — starting on day one.
Why Finance Through Home Evolution?
You could go directly to a bank — but here's why our customers don't.
One Application, Multiple Options
We submit your information to our partner network and present you with the plans you qualify for — no need to fill out separate applications at each bank.
Expert Guidance, Not a Sales Pitch
Our team understands every program we offer. We'll walk you through the differences and help you choose based on your budget and timeline — not a commission.
No Extra Cost to You
Our financing service is included with your roofing project. There are no broker fees, no markups, and no hidden charges for using our partner network.
Seamless from Start to Finish
Financing and construction are handled by the same team. Once you're approved, we schedule your project immediately — no handoffs, no delays.
Our Financing Partners
We've partnered with trusted lenders so you don't have to shop around. Here's who we work with and what makes each one different.
Aqua Finance
Home improvement financing specialist with over 35 years of experience, serving 365,000+ active customers through 5,000+ contractors nationwide.
Soarion Credit Union
Member-owned federal credit union based in San Antonio, TX, serving communities since 1952. Loans available exclusively through participating contractors.
Credit Human
Community credit union offering both home improvement loans and home equity options with personal guidance from dedicated loan advisors. Serves CO, LA, NC, and TX.
Service Finance
Nationally licensed sales finance company and approved FHA Title I lender, subsidiary of Truist Bank. Licensed in all 50 states.
Not sure which partner is right for you? Use the calculator below to compare, or call us — we'll help you choose.
Financing Calculator
Estimate Your Monthly Payment
Adjust the sliders to see what your project could cost per month.Your Estimated Monthly Payment
$318
Compare Our Financing Partners
Estimates update live based on the calculator above.
All information is for estimation and general informational purposes only. Actual loan terms, APRs, and eligibility depend on individual creditworthiness, the lender's current programs, and applicable state regulations. APR ranges shown are approximate. Soarion Credit Union and Credit Human do not publicly disclose specific APR ranges; figures shown are representative estimates. This page does not constitute a loan offer. All financing is subject to credit approval. Rates and conditions may change without notice. Home Evolution is not a lender and does not make credit decisions.
How It Works
From estimate to installation — four simple steps.
Get a Free Roof Estimate
Our team inspects your roof and provides a detailed, no-obligation quote.
Choose a Financing Plan
We walk you through options from our partners so you can pick what fits.
Quick Credit Decision
Apply in minutes. Most partners deliver decisions in under an hour.
Work Begins
Once approved, we schedule your project promptly. Many programs let you defer your first payment.
The Home Evolution Promise
We believe no one should delay protecting their home because of cost. That's why we've built a financing experience centered on transparency, guidance, and respect.
Frequently Asked Questions
With certain partner programs, yes. Soarion offers a no-payment period of up to 90 days, and Aqua Finance offers a 3-month deferred first payment option. Note that interest may accrue during any deferment period.
Not necessarily. Each lender has its own credit criteria. Aqua Finance provides approvals for most credit profiles. We'll help you explore the options best suited to your situation.
Aqua Finance typically delivers automated decisions in about 60 seconds. Soarion usually responds within an hour. Timelines may vary.
Aqua Finance and Soarion explicitly offer no prepayment penalties. For Service Finance and Credit Human, terms vary by program.
Roof repair and replacement, plus siding, windows, insulation, HVAC, solar, and more — depending on the lender and program.
You get access to multiple lending partners through a single conversation. We handle the comparison, explain the differences, and help you choose — at no extra cost. Plus, financing and roofing are managed by the same team.
Let's Make It Happen
A better roof, flexible payments, and peace of mind — all in one call.
No Hidden Fees
What you see is what you get. Straightforward terms with no surprise charges.
Approval in Under 24 Hours
Most applications receive a credit decision within minutes — not days.
Flexible Terms: 12–240 Months
Choose a repayment timeline that works for your budget.
All information on this page is for estimation and general informational purposes only. Actual loan terms, APRs, and eligibility depend on individual creditworthiness, the lender's current programs, and applicable state regulations. APR ranges shown are approximate and based on publicly available information as of early 2026. Soarion Credit Union and Credit Human do not publicly disclose specific APR ranges; figures shown are representative estimates. This page does not constitute a loan offer. All financing is subject to credit approval. Home Evolution is not a lender and does not make credit decisions.