Financing that makes a new roof fit your budget.
No down payment required, a fixed 5–10.50% interest rate, and 3 to 7 year terms through SELF — a Florida non-profit whose own loan page says “no minimum credit score, no income limits.” They approve on your ability to repay. Built for Panhandle homeowners, including folks bridging a hurricane insurance gap.
Run your monthly payment.
Move the sliders. See the number. No email required, no credit pull.
Not sure? Run our roof cost calculator first.
Often equals your insurance claim payout minus your hurricane deductible.
SELF publishes a fixed 5–10.5% band. Where you land inside it is SELF’s decision, not ours — slide it to see the range.
Disclosure: Illustration only — not an offer of credit, and not a quote. Figures assume SELF’s published Wind Resilience terms: loan amounts $3,000–$25,000, a fixed interest rate of 5–10.5%, repayment over 3 to 7 years in equal monthly instalments, an origination fee of 2.5% (1.25% with SELF’s military discount) and a project-management fee of 3.99%. The APR shown is an estimate that includes those fees, assuming they are added to the loan; SELF gives you the exact APR in writing before you sign. SELF requires no down payment, but states that a co-signer and/or a cash guarantee of about 3% of the project cost may be required depending on your credit history. SELF (Solar and Energy Loan Fund) is a third-party Florida non-profit lender and a U.S. Treasury-certified CDFI; SELF sets the rate and the term, makes the credit decision and funds the loan. Complete Roofing is the roofer, not the lender, and does not offer in-house financing. Florida License #CCC1337480.
Example monthly payments on an $18,000 roof
An $18,000 roof financed through SELF over 7 years runs about $271/month at SELF’s lowest published rate and about $323/month at their highest. No down payment is required. SELF decides where inside that band you land — we don’t.
| Interest rate · term | Monthly payment | Est. APR | Total cost of credit |
|---|---|---|---|
| 5.00% · 7 years (84 mo) | ~$271/mo | ~6.92% | ~$4,760 |
| 8.00% · 7 years (84 mo) | ~$299/mo | ~9.99% | ~$7,100 |
| 10.50% · 7 years (84 mo) | ~$323/mo | ~12.56% | ~$9,150 |
| 8.00% · 5 years (60 mo) | ~$389/mo | ~10.70% | ~$5,320 |
| 8.00% · 3 years (36 mo) | ~$601/mo | ~12.33% | ~$3,620 |
Illustration only, not an offer of credit. Based on SELF’s published Wind Resilience terms: $3,000–$25,000, a fixed interest rate of 5–10.50%, repayment over 3 to 7 years in equal monthly instalments, an origination fee of 2.5% (1.25% with SELF’s military discount) and a project-management fee of 3.99%. The APR is higher than the interest rate because it includes those fees; the figures above assume the fees are added to the loan. SELF requires no down payment but states a co-signer and/or a cash guarantee of about 3% of the project cost may be required depending on credit history. Actual rate, term and approval are SELF’s decision. Complete Roofing is the roofer, not the lender. FL Lic. CCC1337480.
A Florida non-profit lender. A local roofer.
We don't make the credit decision — we partner with SELF, the Solar and Energy Loan Fund. As a non-profit (and U.S. Treasury-certified CDFI), SELF can offer affordable, fixed-rate financing to Florida homeowners based on ability to repay, not just a credit score.
SELF’s military discount halves their origination fee (2.5% → 1.25%) rather than lowering the rate, and they run separate programs for seniors, homeowners with disabilities, women and veterans on their own terms. Apply at SolarEnergyLoanFund.org or call (833) 476-7353.
From quote to approved in three steps.
Free quote
We walk the roof, measure via satellite, and send you an itemized quote within 24 hours.
Apply with SELF
We help you apply with SELF while we put your quote together. You'll show proof of income and a few basics. There's no minimum credit score — SELF decides on your ability to repay.
We install, you pay monthly
We finish the roof and SELF releases payment to us once you're satisfied. Your monthly payments to SELF start after that.
Roof Financing FAQ
We finance roofs through SELF — the Solar and Energy Loan Fund, a Florida-based non-profit and U.S. Treasury-certified Community Development Financial Institution (CDFI). Because they're a non-profit, they offer some of the most affordable rates and terms available, and they specialize in exactly this kind of work: roof replacements and windstorm upgrades for Florida homeowners.
A roof goes through SELF's Wind Resilience loan. SELF publishes it as $3,000 to $25,000, a fixed interest rate of 5% to 10.50%, and terms of 3 to 7 years. On top of the interest they charge an origination fee of 2.5% (1.25% if you qualify for their military discount) and a project-management fee — so the APR is higher than the interest rate. SELF requires no down payment, but they do say a co-signer and/or a cash guarantee of about 3% of the project cost may be required depending on your credit history. SELF sets all of it and gives you the exact numbers in writing before you sign.
This is what makes SELF different from a bank. Their Wind Resilience page says it plainly: “No minimum credit score, no income limits (minimum or maximum), and no minimum asset or home equity required.” They underwrite on your ability to repay. What they do require: you own the home, your spouse and every titleholder applies, you can show income (a job, Social Security, disability), your property taxes are current, your mortgage and car and credit cards are current, and you haven't had a bankruptcy filed or discharged in the past 12 months. SELF still makes the decision — we can't promise an approval and neither can they.
Yes, and it's worth being precise about what it is. SELF's military discount cuts their origination fee in half — from 2.5% to 1.25% of the loan — rather than lowering the interest rate. SELF also runs separate programs for seniors, homeowners with disabilities, women and veterans, each with its own rates and limits, and some of them are capped too low to fund a roof. Ask us and we'll point you at SELF for the one that fits. Separately, and nothing to do with SELF: Complete Roofing takes $500 off for military, veterans and first responders.
Yes — it's one of the most common ways our customers handle a hurricane claim. SELF funds the project up front, you pay your deductible (often $2,500–$5,000 on a Florida wind policy), and the insurance payout goes toward paying down the loan.
Yes — SELF requires that you own the home being improved and are current on your mortgage and property taxes. You don't need perfect credit, but the home does need to be yours.
No — and we want to be clear about that. We're a licensed Florida roofing contractor (FL Lic. CCC1337480). SELF is the lender: they make the credit decision and fund the loan; we install your roof. We simply help you apply while we put your quote together.
Ready to see your real number?
Get a satellite-measured quote and pre-qualified payment options in the same visit. Selling instead of staying? We can defer the roof payment until closing so the roof stops holding up the sale.