0% APR for up to 24 months
Qualifying applicants can spread a full roof replacement across two years at zero interest.
Soft credit check only
Pre-qualify in about 30 seconds without any impact to your credit score. A formal application only happens if you choose to move forward.
Up to $100,000 approved
Through our Hearth lender network, qualifying roofs up to $100K can be financed in a single approval.
Decision in 30 seconds
We run your application across multiple lenders in parallel and return the best offer live, not in days.
№ 001 / THE FLOW
Two paths. Both preserve your credit until you decide.
Path A · Recommended
Pre-qualify through our lender network
Your application runs in parallel across the Hearth aggregator (12+ home-improvement lenders including Service Finance, GreenSky, Wisetack, Foundation Finance) and Sunbit. You see all qualifying offers in one list and pick whichever makes sense.
- Soft credit check — no score impact
- 0% APR and standard-rate options side by side
- Rate locked for 7 days while you think it over
- Your field rep walks in already knowing you are approved
Path B · For shoppers
Apply direct with the bank on your own
LightStream (Truist), SoFi, Upgrade, and others offer personal home-improvement loans up to $100K without any merchant involvement. You apply on their site, funds hit your bank, you pay Vulcan with whatever payment method you prefer. Often the best rates for prime credit — no dealer fee marked into the price.
- Best rates for 720+ FICO
- No involvement from Vulcan — total privacy
- Funds in your account, often same day
- Pay us by check, ACH, or card when work is done
What does a roof actually cost per month?
Illustrative only. Actual offers depend on credit profile, loan amount, and lender. Pre-qualify to see your real numbers in 30 seconds.
№ 002 / QUESTIONS
The questions you haven't asked out loud yet.
Does checking my rate affect my credit score?
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No. Pre-qualification is a soft credit inquiry that is invisible to other lenders and will not affect your FICO score. A hard inquiry only happens if you choose to complete a full application through the lender you picked.
Who actually funds the loan?
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Vulcan does not lend money. We partner with Hearth (which routes to lenders including Service Finance, GreenSky, Wisetack, Foundation Finance and others) and Sunbit. Your loan is issued directly by one of those banks. Vulcan receives the funds up front and you pay the lender on a schedule you pick.
What credit score do I need?
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Hearth-network lenders generally approve homeowners with scores of 640+. Sunbit works down to 500+ with different terms. Between the two, most applicants receive at least one offer.
What if I am declined?
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You can still pay out of pocket, apply direct with a personal-loan lender like LightStream or SoFi, use a home equity line from your bank, or split payment across a deposit + progress payments. Our field rep will walk you through options that do not require our financing partners at all.
Is 0% APR really 0%?
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For the full promotional period (usually 12 – 24 months), yes. If there is any balance remaining after the promotion ends, the lender charges a standard rate (typically 17 – 20%) on the remaining balance. Pay off the loan within the promo window and you pay exactly the estimate amount, no more.
Can I finance only part of the job?
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Yes. A common pattern is putting half down at signing and financing the rest. The pre-qualification flow asks how much you want to finance — you pick the amount.