How to apply — 3 steps
- Get your DeHart estimate first. Schedule a free inspection — we'll write you a flat-rate quote so you know the exact financing amount you need.
- Apply through Service Finance Company (SFC) in 60 seconds. We send you a secure application link tied to our merchant account. Soft credit pull only — no score impact. You'll see your approved programs and terms immediately.
- We start your project. Once you accept terms, SFC pays us directly. You make monthly payments to Service Finance Company. We schedule install within the week (storm season permitting).
What can you finance?
- Full roof replacements — asphalt, tile, metal, flat — all eligible
- Roof repairs — partial replacements, deck repairs, ridge work
- Gutter and flashing — full installs and repairs
- Storm damage repair — bridge financing while your insurance claim processes
- Roof coating for flat or low-slope roofs
- Commercial roofing — consult with us for commercial financing options
What you'll need to apply
- Valid driver's license or state ID
- Social Security Number (for soft credit pull)
- Approximate household income
- Your DeHart project quote (we'll provide this after your free inspection)
Frequently asked questions
SFC approves most applicants with FICO 660+. Higher scores get longer 0% terms. Lower-score applicants are often approved for fixed-monthly programs — we'll find a fit.
No. The initial check is a soft pull — no impact on your credit score. A hard pull only happens after you accept the offer and proceed with the loan.
Yes. SFC loans have no prepayment penalty. Pay off early to skip remaining interest. Recommended on the 0% promo programs to lock in the deferred-interest savings.
For 18-month and 12-month promos, if the balance isn't paid in full by the promo end date, interest accrued from day one is added to your balance. Set a monthly auto-payment to clear the balance comfortably before the deadline.
Yes. A common pattern: insurance covers the storm-damage portion, financing bridges the deductible + any upgrades. Talk to us during the estimate; we structure these regularly.
Commercial financing runs through different products with different underwriting. Contact our commercial team for a tailored proposal.