Roof Financing South Florida
Affordable Payment Options For Your New Roof
At Lionz Roofing, we understand that a new roof is a major investment. That's why we've partnered with trusted financing programs to give you flexible, accessible options — so you can protect your home without the financial burden of paying everything upfront.
Whether you need an emergency repair or a full replacement, our roof financing options are designed to make quality roofing attainable for every homeowner in Fort Lauderdale and South Florida.
Financing PartnerRenew Financial — No Credit Score Required
Renew Financial offers PACE (Property Assessed Clean Energy) financing — a government-backed program that lets homeowners fund roofing upgrades without traditional credit requirements. Payments are made through your property tax bill, making it one of the most flexible options available in Florida.
Visit Renew Financial →Benefits Of Renew Financial:
No Traditional Credit Score Requirement
Long Repayment Terms
Energy-Efficient And Hurricane-Rated Roofing Eligibility
Payments Tied To The Property Not The Homeowner
Ideal For Roof Replacements And Storm-Resilient Upgrades
Financing PartnerYgrene Financing
Ygrene Financing provides PACE-based funding for approved roofing projects, helping South Florida homeowners install Miami-Dade–approved, hurricane-resistant roofing systems with affordable repayment options.
Visit Ygrene Financing →Benefits Of Ygrene Financing:
No Upfront Payment Required For Qualifying Properties
Flexible Repayment Terms
Covers Energy-Efficient And Storm-Protection Roofing
Helps Improve Property Value And Resilience
Designed For Florida's Climate And Building Codes
Financing PartnerGreenSky® — Fast, Flexible Home Improvement Financing
The GreenSky® Loan Program offers fast, flexible home improvement financing through its contractor network, helping South Florida homeowners fund roofing projects, repairs, and upgrades with a wide range of payment plans — including fixed-rate installment loans and promotional deferred interest options with credit limits up to $100,000.
Visit GreenSky →BenefitsOf GreenSky® Financing:
Credit Limits Up To $100,000 For Large Projects
Credit Decisions In Seconds Via Mobile App
Fixed-Rate And Deferred Interest Plan Options
Unsecured Loans — No Home Equity Required
Staged Funding For Multi-Phase Projects
Slice by FNBO — Flexible Unsecured Financing
Slice by FNBO provides flexible, unsecured financing for approved roofing and home improvement projects, helping South Florida homeowners fund repairs, remodels, and hurricane-resistant upgrades with affordable monthly payments — no home equity required.
Visit Slice by FNBO →Benefits Of Slice Financing:
No Upfront Payment Required For Qualifying Customers
Flexible Repayment Terms Up To 20 Years
Quick Digital Application With Decisions In Minutes
Unsecured — No Home Equity Or Collateral Needed
Transparent Terms With No Hidden Fees
Financing PartnerHome Run Financing — Fast Approval, $0 Down
Home Run Financing offers PACE (Property Assessed Clean Energy) financing for South Florida homeowners — funding roofing, HVAC, hurricane protection, and other eligible upgrades based on your home equity and payment history, not your credit score. Approvals often happen within minutes, financing up to 100% of your project cost with flexible terms up to 30 years, repaid through your property tax bill.
Visit Home Run Financing →Benefits Of Home Run Financing:
Approval Based On Home Equity, Not Credit Score
Fast Approvals — Often Within Minutes
Up To 100% Project Financing, $0 Down
Flexible Repayment Terms Up To 30 Years
No Prepayment Penalties
Financing PartnerFoundation Finance Company — Fast, Flexible Credit Approvals
Foundation Finance Company (FFC) was formed around a kitchen table, much like many home improvement businesses are. Built to strengthen your bottom line by increasing sales, FFC puts the power of customer financing in your hands — with deep, flexible credit approvals, fair bids, fast credit decisions, a simple funding process, and quick payment turnaround times. FFC's founding members and management team bring extensive experience in consumer financing for dealers and retail networks.
Visit Foundation Finance Company →Benefits Of Foundation Finance Company:
Deep, Flexible Credit Approvals For More Homeowners
Fair Bids And Fast Credit Decisions
Simple, Streamlined Funding Process
Quick Payment Turnaround To Keep Cash Flow Moving
Experienced Team With Deep Roots In Dealer Financing
Compare Financing Options
A quick look at how Slice by FNBO, GreenSky®, Ygrene, Home Run Financing, Renew Financial, and Foundation Finance Company stack up so you can choose the plan that fits your project.
| Category | | | | |  | |
|---|---|---|---|---|---|---|
Type | Credit-based loan | Credit-based loan | PACE assessment | PACE assessment | PACE assessment | Personal loan |
Interest Rate / APR | 8.49%–18.99% fixed | 6.99%–23.99% fixed | ~6–8% fixed | Not publicly disclosed | 3.69%–8.49% fixed | Varies by lender (typically 6%–36%) |
Annual Fees | $0 | $0 (merchant fees apply) | Admin fee (varies) | Admin fee (varies) | Annual admin fee (varies) | May include origination or service fees |
Loan Amount | Up to $150,000 | Up to $100,000 | Up to 20% of home value | Up to $200,000 | Up to 20% of home value (max $250,000) | Up to $100,000+ (varies by lender) |
Loan Term / Duration | 2–20 years | Up to 84 months | Up to 20–30 years | Up to 30 years | 5–30 years | 1–7 years (typically) |
Minimum Deposit | $2,000 minimum | None | $0 down | $0 down | $0 down | None |
Credit Score Needed | FICO down to 600 | FICO 640+ | None (soft pull only) | None (soft pull only) | None (soft pull only) | Varies by lender |
Collateral / Security | None, unsecured | None, unsecured | Property tax lien | Property tax lien | Property tax lien | None, unsecured |
Approval Time | Minutes | Seconds | Days | Minutes (pre-approval) | Same-day | Minutes to days |
Approval Basis | Credit score & income | Credit score & income | Home equity & ability to pay | Home equity & ability to pay | Home equity, mortgage & tax payment history | Credit score & income |
Repayment Method | Monthly ACH to lender | Monthly to lender | Annual property tax bill | Annual property tax bill | Annual property tax bill | Monthly to lender |
Rewards / Benefits | 0.25% AutoPay discount | 0% promo if paid in full | No payments up to 17 mos | No payments up to 18 mos | First bill deferred up to 17 mos | Some lenders offer no-fee or discounts |
Flexibility | No prepayment penalty | No prepayment penalty | Early payoff, no penalty | No balloon, no penalty | No prepayment fee (processing fee may apply) | Some offer no prepayment penalty |
Lien On Property | No | No | Yes — first priority lien | Yes — first priority lien | Yes — assessment lien on property | No |
Customer Service | Online portal, phone | Online portal, phone | Phone, bilingual | Phone, bilingual, 7 days | Phone, online portal | Online, phone, branch |
Rates and terms shown are general program ranges and subject to change and credit approval. Contact Lionz Roofing for current details on any financing partner.
Why Roofing Financing Matters
When your roof needs attention, waiting is rarely an option. Storm damage, leaks, and aging materials only get worse over time — and more expensive. Financing empowers you to take action immediately.
- Roofs are one of the most expensive home improvements
- Delaying repairs leads to bigger, costlier damage
- Financing lets you act fast without draining savings
- Manageable monthly payments protect your budget
- Improve your home value without the financial strain
Who Can Benefit From Roofing Financing?
- Homeowners needing urgent roof repairs or replacements
- Property owners affected by storm or hurricane damage
- Homeowners looking to upgrade to energy-efficient roofing
- Residents who want to improve their property value
- Anyone seeking to preserve their savings while protecting their home
Why Choose Lionz Roofing For Financed Roofing Projects?
- Partnered with trusted financing programs including Slice by FNBO
- Experienced navigating the application process
- Focused on long-lasting, quality roofing solutions
- Fully licensed and insured — CCC1336828
- Local experts who understand Florida's building codes
Frequently Asked Questions
Have questions about our roofing services? Find answers to the most common questions below, or reach out to our team directly.
Roof financing lets you pay for a roof repair or replacement over time instead of all at once, through options like PACE assessments (repaid via your property tax bill) or unsecured personal loans (repaid in fixed monthly installments). Lionz Roofing partners with several financing programs so Fort Lauderdale and South Florida homeowners can choose the plan that fits their budget and credit profile.
Not necessarily. PACE-based roof financing programs qualify homeowners based on home equity and property tax payment history rather than a traditional credit score, so many South Florida homeowners with limited or imperfect credit still qualify. Unsecured loan options typically do require a credit check, but often approve a wide range of credit profiles.
PACE (Property Assessed Clean Energy) financing is a government-backed program that funds hurricane-resistant and energy-efficient roofing upgrades, with repayment collected through your annual property tax bill. It's one of the most accessible roof financing options in Florida because approval is based on your home, not your credit score.
Yes. Several of our financing partners offer fast approval — sometimes within minutes — so you can move forward with an emergency roof repair or storm damage repair without waiting to save up the full cost upfront.
Monthly payments depend on your total project cost, the financing program you choose, and your repayment term, which can range from 2 to 30 years. Lionz Roofing provides a free estimate first, then helps you compare financing options side by side so you can see real monthly numbers before committing.
Yes — PACE financing programs like Renew Financial and Ygrene are available for qualifying commercial properties in South Florida, in addition to residential homes, making it easier to fund larger commercial roofing projects without a large upfront cost.
Start with a free roof inspection and estimate from Lionz Roofing. Once you know the project scope, we'll walk you through our financing partners so you can apply directly with the program that best fits your credit profile, timeline, and budget.
If your roof damage is covered by homeowners insurance, that payout can reduce the amount you need to finance. For repairs or upgrades not covered by insurance — like routine replacement or aesthetic upgrades — roof financing covers the difference so you're not paying the full cost out of pocket.