📄 Roofing Project Financing — Frequently
Asked Questions
1. What is Service Finance?
Service Finance Company, LLC is a nationally licensed financing company and approved FHA Title I lender that partners with our roofing company to offer flexible payment options for your home improvement projects, including roofing. They provide a variety of installment loan programs — such as promotional, no-interest (if paid within the promotional period), and standard term financing — to help make your roofing project affordable.
2. How does roofing financing work?
Once you apply and are approved through Service Finance, you enter into a fixed-term installment loan specific to your project:
- You choose the plan that fits your budget and terms.
- After completion of your roofing project, Service Finance pays us directly.
- You make monthly payments on your loan according to the terms agreed to with Service Finance.
3. What types of financing options are available?
Service Finance offers several types of programs, depending on eligibility and creditworthiness, including:
- No-interest or promotional offers: If you pay within the promotional period.
- Deferred-interest plans
- Standard installment loans with set monthly payments.
Please talk to one of our team members during your estimate to see which options you may qualify for.
4. Is applying for financing easy?
Yes. The financing application is completed online or with a phone representative. Approval decisions are typically fast, and applying doesn’t affect your credit score until final review. Talk to us during your estimate and we’ll walk you through the application.
5. When is my first payment due?
After your roofing work is complete and the loan is funded, Service Finance will create your billing account. Your first payment is typically due about 30 days after job completion.
6. How can I make payments?
Service Finance accepts payment via:
- Check
- ACH (bank transfer)
- Money order or cashier’s check
They do not accept debit or credit card payments.
7. Are there prepayment penalties?
No. You are allowed to pay off your loan early without any prepayment penalties.
8. Can I add additional work to my loan after signing?
No — once your loan is completed and funded, you cannot add more work to that contract. If you’d like to finance additional project costs, you would need to apply for a new financing plan.
9. Is this like a credit card?
No. Roofing financing with Service Finance is a fixed installment loan, not a revolving credit line. Your loan amount, interest (if any), and repayment schedule are fixed when you sign.
10. How do I manage or view my loan account?
Once your loan is set up, you can:
- Log in to the Service Finance borrower portal
- Contact Service Finance customer service
- Review monthly statements sent by mail
11. Who do I contact if I have questions about my loan?
For loan account questions, payments, or support, you can contact Service Finance directly:
- Phone: (866) 254-0497
- Email: info@svcfin.com
- Existing customers can log in through the Service Finance portal to view statements and manage their account.
12. Are there any tips for financing success?
- ✔ Review loan terms carefully before signing
- ✔ Pay on time to avoid late fees (as shown in your contract)
- ✔ Ask our team to explain any questions before submitting your application