Financing
Three ways to pay for a roof over time
Almost nobody has a roof’s worth of cash sitting ready, and roofs rarely fail at a convenient moment. We work with three lenders so there is a real option whether your credit is excellent, thin, or not part of the decision at all. Sunlight Financial and GreenSky® are credit-based loans with fixed monthly payments. Ygrene PACE is a different product entirely — repaid through your property tax bill, with no minimum credit score. All three are third-party lenders: we do not lend, and we do not mark the job up to cover a payment plan.
Interest rates vary based on your credit score and creditworthiness. Actual minimum monthly payment may vary. See terms and conditions of your specific offer.
A roof that is already failing gets more expensive every month it waits, because water works downward — decking first, then insulation, then drywall. Your estimator will put the options next to your actual number on the same visit, with no pressure to pick one. Every plan below is subject to the lender’s approval, and the terms you sign come from them in writing, not from us.
Start a Sunlight applicationOur financing partners
Start an application with any of the three, or have your estimator walk you through all of them against your real price.
Sunlight Financial
Fixed-Rate Installment & Deferred Interest Plans
Best for: Homeowners who want predictable monthly payments or a short no-payment promotional window before payments begin.
Fixed-rate installment plans with a locked-in monthly payment, or a three-month deferred-interest window before regular payments start. The full plan grid is below rather than behind an application, so you can compare it against anyone else’s offer before you apply.
Highlights:
- Fixed APR installment plans from 60 to 240 months
- Deferred interest promotional options available
- No home equity required
- Competitive rates based on creditworthiness
Available Plans:
- Fixed APR of 9.99% for 60 months
- Fixed APR of 9.99% for 120 months
- Fixed APR of 11.99% for 60 months
- Fixed APR of 11.99% for 144 months
- Fixed APR of 11.99% for 240 months
- 3-mo promo (9.95% deferred), then 9.95% APR for 81 months
- 3-mo promo (9.95% deferred), then 9.95% APR for 117 months
- 3-mo promo (9.95% deferred), then 9.95% APR for 141 months
All financing subject to credit approval through Sunlight Financial. Terms subject to change.
Get Started with Sunlight FinancialGreenSky®
Fast Approvals. Flexible Plans. Apply in Minutes.
Best for: Homeowners who want a fast online application with proven loan options — either a long-term fixed rate or a no-payment promotional period.
GreenSky® is one of the nation’s largest home improvement lending programs, backed by federally insured financial institutions. Two plans are available through us — one built for predictable budgeting, one for putting payments off while the job gets done:
Plan 2749 — Fixed Rate Installment
Predictable budgeting with a fixed monthly payment for the full 120-month term. Know exactly what you’ll pay every month for 10 years — no surprises.
Subject to credit approval. Fixed APR of 9.99% for 120 months.
Payment example: for every $1,000 financed at 9.99% APR, 120 monthly payments of $13.21. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms.
12-Month No Interest, No Payment Promo
Get your roof done now and take 12 months before payments begin. Interest is waived if the full balance is paid before the promotional period ends.
Subject to credit approval. Rates range from 15.85%–21.19% APR (interest rates range from 17.99%–24.99%). 12 month promotional period during which interest is billed but waived if paid in full before promo period expires. Any unpaid balance after promo period paid over 84 monthly payments.
Payment example: for every $1,000 financed, 12 monthly payments of $0 followed by 84 monthly payments based on your approved rate. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms.
Loans for the GreenSky® consumer loan program are provided by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362. www.nmlsconsumeraccess.org. GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky® consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.
Apply NowYgrene PACE
No Credit Score Required. Payments Through Your Property Tax Bill.
Best for: Homeowners who may not qualify for traditional financing, or who want 100% no-money-down financing with long repayment terms — based on home equity, not credit score.
Ygrene is one of Florida’s PACE (Property Assessed Clean Energy) administrators, and PACE is not a loan. Instead of borrowing in your name, the cost is repaid as an assessment added to your annual property tax bill. That structure is why it can work when a conventional underwrite will not — and it is also why it comes with real trade-offs, listed in full below.
- No minimum credit score required for approval
- 100% financing — zero money down
- Terms up to 20 years with fixed rates
- Soft credit pull only — no impact on your credit score
- Approval based on your home’s equity and ability to repay
- Eligible for roofing, storm protection, windows, HVAC, and more
- Payments begin only after your project is complete
How repayment works:
The financed amount is added as a line item on your annual property tax bill. If your mortgage lender escrows for taxes, the payment is collected as part of your monthly mortgage payment and paid to the county on your behalf.
Important Disclosures:
- PACE financing is secured by a first priority lien on your property, which takes precedence over other existing liens including mortgages.
- Florida law requires sellers to disclose the existence of a PACE lien to buyers prior to signing a contract.
- Some mortgage lenders, including those backed by Fannie Mae and Freddie Mac, may require full repayment of the PACE assessment as a condition of refinance or sale. Consider your plans to sell or refinance before choosing this option.
- Ygrene financing is available in select Florida jurisdictions. Ask our team to confirm availability in your area.
PACE has several administrators. Noland’s Roofing has partnered with Ygrene.
Check Your Eligibility with YgreneNot sure which one fits?
Ask your estimator. They will put the three side by side against your actual number and your actual situation — including the reasons you might not want PACE. No pressure, no obligation, and no inflated “discount” math. If you would rather see the price before talking to anyone at all, the instant estimator gives you a range in about 30 seconds.
Financing is provided by third-party lenders, not by Noland’s Roofing. All plans are subject to credit approval and terms are subject to change. Your actual terms come from the lender in writing before you sign.
We publish our rates — most roofers don’t
Knowing the real price is what makes a financing decision make sense. Our asphalt shingle replacement pricing is public, priced per sq ft of effective roof area (measured area + 10% waste):
| Tier | Rate per effective sq ft |
|---|---|
| Good | $3.90 |
| Better | $4.21 |
| Best | $4.88 |
| Elite | $5.27 |
A 3,300 effective-sq-ft asphalt shingle roof prices at $12,850 on the Good tier. Run your address through the free instant estimator to see your own real range before you talk to any lender, including ours.
Financing isn’t free money. When the paperwork arrives, look at two numbers — the monthly payment and the total of all payments — and decide with both in view.
One visit, roof and financing
See your price, then talk financing
Run the free instant estimator first, or call your nearest office to talk through what fits.
Or get my price in 30 secondsFrequently Asked Questions About Roof Financing
Do I need good credit to qualify for financing?
Not necessarily. GreenSky® and Sunlight Financial do use credit-based approval, but Ygrene PACE financing requires no minimum credit score — approval is based on your home’s equity and ability to repay. Our team can help match you with the right program for your situation.
How quickly can I get approved?
GreenSky® and Sunlight Financial typically provide decisions quickly after a short online application. Ygrene PACE approval can also be completed within about 30 minutes online.
Can I finance a roof repair, not just a full replacement?
Yes. Financing is available for qualifying roof repairs and full replacements. Ask our team about eligibility for your specific project.
Is financing available at all Noland's locations?
Yes. Financing options are available to qualifying homeowners served by our Bradenton, Clermont, and Orange City locations throughout our Central Florida service area.
What's the difference between GreenSky® and Ygrene PACE?
GreenSky® is a traditional loan program — you apply based on creditworthiness and make monthly payments directly. Ygrene PACE is an assessment on your property repaid through your annual property tax bill, with no credit score requirement. Each has different eligibility criteria, benefits, and important considerations. Our team can walk you through both side by side.
Will PACE financing affect my ability to sell or refinance my home?
This is an important question. Because PACE financing is a lien on your property, most mortgage lenders require it to be paid off before a refinance or sale can close. We encourage all homeowners to review the PACE disclosures carefully and discuss with their mortgage lender before choosing this option.