Financing that makes a new roof fit your budget.
$0 down, low fixed rates (5–9.5% APR), and 5–10 year terms through SELF — a Florida non-profit that approves homeowners on their ability to repay, not just their credit score. 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.
Disclosure: Monthly payment estimates are for illustration only. Actual rates, terms, and approval depend on SELF (Solar and Energy Loan Fund), our non-profit financing partner, and your financial profile. Complete Roofing LLC is not a lender and does not make credit decisions. Florida License #CCC1337480.
Example monthly payments on an $18,000 roof ($0 down)
A $18,000 roof financed through SELF is about $218/month on the 10-year plan (7.99% APR), or about $348/month on the 5-year plan (5.99% APR) — $0 down, no prepayment penalty.
| SELF plan | Monthly payment | Total interest |
|---|---|---|
| 5.99% APR · 5 years (60 mo) | ~$348/mo | ~$2,900 |
| 6.99% APR · 7 years (84 mo) | ~$272/mo | ~$4,850 |
| 7.99% APR · 10 years (120 mo) | ~$218/mo | ~$8,200 |
| 9.5% APR · 10 years (120 mo) | ~$233/mo | ~$9,950 |
Illustration only, on a sample $18,000 project with $0 down — actual rates, terms, and approval depend on SELF (Solar and Energy Loan Fund) and your financial profile. Complete Roofing LLC 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 also offers discounted rates for military families, women, and homeowners with disabilities. Apply at SolarEnergyLoanFund.org or call (833) 476-7353.
From quote to approved in three steps.
Free estimate
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 during your estimate. You'll show proof of income and a few basics — approval is based on your ability to repay, not just your credit score.
We install, you pay monthly
We finish the roof. Your payments start the next month. Early payoff, anytime, no penalty.
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.
$0 down, fixed rates from 5% to 9.5% APR, terms of 5 to 10 years, and loan amounts from $1,000 to $50,000. There's no prepayment penalty — pay it off early anytime at no extra cost.
This is what makes SELF different from a bank: they approve based on your ability to repay, not just your credit score. You'll need to own your home, show proof of income, be current on your property taxes and mortgage, and have room in your monthly budget. Many homeowners who get turned down elsewhere qualify with SELF.
Yes — SELF offers discounted rates for military families, women, and homeowners with disabilities. Just ask, and we'll make sure you're set up under every program you qualify for.
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 during your free estimate.
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