Roof Now. Pay Later.
Two ways to finance a new roof, so cost is not what stops you. Choose monthly payments based on your credit, or a plan based on your home equity. Between the two, there is a path for almost any situation.
Checking your rate will not affect your credit score.
Pick the Path That Fits Your Home
We offer two ways to pay so cost is not what stops you. Many homeowners qualify for both and choose based on term, payment, and how they prefer to repay.
Wisetack: Monthly Payments
Credit-based and fast. The fit for most homeowners.
- A monthly payment plan, based on your credit
- Check your rate in under a minute, no score impact
- Rates from 0% APR for qualified homeowners
- Best for shorter terms and a fast, simple sign-up
PACE Financing
Equity-based. For when credit financing is not the fit.
- Based largely on home equity, not credit score alone
- Repaid annually with your property taxes
- Fixed rate, long repayment terms
- An alternative when credit-based financing is not a fit
- It places an assessment (a lien) on your home that can affect a future sale or refinance
How Wisetack Works
We partner with Wisetack to offer simple, transparent monthly-payment financing on the work we do. No paper applications, no waiting on a bank. Enter your mobile number, verify a code, and see real monthly payment options right on your phone. There is no obligation, and checking does not affect your credit score.
- Check your rate. Tap the button, enter your mobile number, and see what you prequalify for. Soft credit check only, no score impact.
- Pick the plan that fits. Review your monthly payment options and choose the term that works for your budget.
- Get your roof. Once you accept, we schedule the work. You pay over time instead of all at once.
Why Homeowners Finance Their Roof
- Rates from 0% APR. Qualified homeowners can access promotional 0% APR options.
- No hidden fees. No prepaid finance charges, no participation fees, no prepayment penalty. Pay it off early whenever you want.
- Keep your cash reserves. Handle a storm-damaged or aging roof now without draining savings or an emergency fund.
- Fast and simple. Most homeowners see their options in under a minute, no branch visit, no stack of paperwork.
- Use it for any of our work. Full reroofs, repairs, and storm restoration all qualify.
- It can help pay for itself. A new permitted roof maximizes your Florida wind mitigation credits, so many homeowners recover part of the cost through insurance premium savings over time. How wind mitigation works.
Credit-based financing not the right fit? PACE is based on your home equity and repaid through your property taxes. See how PACE financing works.
Don't Let a Roof Wait
In Florida, a roof that is past its life is not just cosmetic. Insurers tighten or drop coverage on older roofs, and a small leak during storm season turns into decking, insulation, and drywall damage fast. Financing lets you fix it on your timeline instead of waiting for the problem to force your hand.
FAQ
What is the difference between Wisetack and PACE?
Wisetack is a monthly payment plan based on your credit, with fast online approval and 0% APR options for qualified homeowners. PACE is based largely on your home equity rather than your credit score alone and is repaid through your annual property tax bill. Many homeowners qualify for both and choose based on term, payment, and how they prefer to repay.
Does checking my rate affect my credit score?
No. Checking your rate with Wisetack is a soft credit check that does not affect your credit score. You only move to a full application if you decide to accept an offer.
How fast can I get approved?
With Wisetack, most homeowners check their rate and see real monthly payment options in under a minute. You enter your mobile number, verify a code, and see what you prequalify for right away.
Is there a penalty to pay it off early?
With Wisetack there are no hidden fees, no prepaid finance charges, and no prepayment penalties. You can pay your balance off early at any time.
What can I use it for?
Any of our work, including full reroofs, repairs, and storm damage restoration. If you are paying for roofing work with Scotti Family Roofing, you can apply to finance it.
Who actually provides the financing?
Monthly-payment financing is provided through Wisetack and its lending partners. PACE financing is offered through a third-party PACE program. All financing is subject to approval and your terms may vary based on the amount requested and your creditworthiness.
All financing is subject to credit approval. Your terms may vary. Monthly payment options through Wisetack are provided by our lending partners. Offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lenders participate in 0% interest programs. State interest rate caps may apply. No prepaid finance charges or participation fees. PACE financing is offered through a third-party PACE program, is repaid through your property tax bill, and is subject to eligibility and approval; see our PACE page for full details.
Ready When You Are
Check your rate now, or get a free estimate first. No pressure either way.