Roof financing in Charlotte.
$0 down. Approved in minutes.

No. Hearth uses a soft credit check that does not affect your score. You enter your project details, see real loan options in minutes, and your credit report sees nothing until you choose a lender and complete a full application. Soft inquiries are invisible to other lenders and to FICO. This is the standard for home improvement financing because it lets you compare offers without risk.

Hearth works with over a dozen lender partners, which means there are options across a wide credit range. Stronger credit unlocks the lowest APRs and the 0% promotional terms. Mid-range credit still qualifies for multi-year fixed payment plans. Even if your score is rebuilding, the soft pull costs nothing and is worth running to see what comes back.

Most approved loans fund within 24 hours. Once Hearth shows you offers and you accept one, we lock your install date the same day you sign your Hard Roof scope of work. For storm season replacements, that often means your Charlotte roof goes on the calendar in the same week. We do not start tearing off until your funds and signed contract are in hand. That protects you and us.

Financing and an insurance claim work together. Our in-house public adjuster files for your entire roof while the loan covers the deductible, depreciation withheld, or any upgrade scope insurance will not pay. When the claim check arrives, you can pay down or pay off the loan with no penalty. Most of our claim customers use the loan only for the gap, not the whole roof.

Hearth partner lenders typically do not charge prepayment penalties on their standard personal loan products. You can pay extra each month, send a lump sum after an insurance claim closes, or pay the loan in full at any time. Always confirm prepayment language inside the specific offer the lender shows you, since terms come from the lender, not from Hearth or Hard Roof. The offer screen will state this in plain English.

Prequalifying through Hearth is free. There is no fee to see your offers. Some lenders include an origination fee inside the APR depending on the product you select, and that fee is disclosed inside the offer before you accept. Other lenders charge no origination at all. You will see every cost in plain English before signing anything.

Anything we install. Full roof replacements, repair scopes, gutter systems, skylight installations, siding work, and storm damage repair all qualify. Loan amounts run from $1,000 up to $250,000, which covers everything from a single slope repair to a commercial flat roof replacement. Most Charlotte residential replacements fall in the $12,000 to $22,000 range. You can also finance shingle upgrades that insurance will not cover.

Sí. Nuestro equipo es completamente bilingüe y te acompañamos en cada paso del proceso de financiamiento. La aplicación de Hearth puede estar en inglés, pero llama al 980-350-7446 y un miembro del equipo te ayuda con la solicitud, te explica las ofertas, y te traduce los términos del préstamo. No necesitas hablar inglés para tener un techo financiado con cero pago inicial. Servimos a familias hispanohablantes en todo Charlotte, Concord, Fort Mill, y Rock Hill.