CSLB #749551 · C-39 Serving Turlock & Stanislaus County Mon–Fri · Same-Day Emergency
(209) 667-7737
Roof Financing — Stanislaus County

$0 down. 0% APR for 18 months. Brand-new roof.

DeHart Roofing partners with Service Finance Company to offer flexible financing on full replacements, repairs, and gutter work. Financing is on approved credit; final terms vary. Tell us what you're planning — we'll guide you from a free inspection to your Service Finance options, often within the same week.

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3Tiers
0% introAPR
12–144 moTerms
Same-dayApproval

Financing differentiators

  • 01SFC FinancingService Finance Company
  • 020% Intro APRPromo period available
  • 03Long TermsUp to 12 years
  • 04Soft-Pull CheckNo hard credit hit to apply
  • 05No Prepay PenaltyPay it off early
  • 0624-Hour DecisionReal answer in minutes
Central Valley home with newly installed DeHart roof

Backed by Service Finance Company

SFC underwrites all DeHart financing. They're a leading home-improvement lender, in business since 1965, with hundreds of contractor partners nationwide. Soft pull, 60-second app, real answer in minutes. Get started →

Choose your program

Tier 01

12-Mo Same-as-Cash

No interest if paid within 12 months. Pay over time if you can't pay it off — interest applies retroactively.

  • $0 down
  • Same-day decision
  • Best for cash-rich buyers
Tier 02Most Popular

0% APR · 18 Months

Promotional 0% APR for qualified buyers. Predictable monthly payments. No prepayment penalty.

  • $0 down
  • FICO 660+ typical
  • Best for most homeowners
Tier 03

Fixed · Up to 144 Months

Lock a fixed monthly payment over 60–144 months. Tier-based APR. Lower payment, longer term.

  • $0 down
  • Up to 12 years
  • Best for tight cashflow

What determines your payment

Through Service Finance Company. Promotional 0% APR for qualified buyers. Final terms depend on credit profile + project amount.

Spec

Payment factors

Project total
We'll write you a flat-rate quote so you know the exact financing amount you need.
Term
12–144 mo. No prepayment penalty.
Credit profile
SFC approves most applicants with FICO 660+. Higher scores get longer 0% terms.

APR + term subject to credit approval. 0% intro APR + deferred-interest promos available on qualifying terms.

Free Inspection

See your roof financing options.

Tell us which program interests you — we'll send the Service Finance application link after your free inspection. SFC's application is a soft credit pull only, with no impact on your score.

51 Google reviews · CSLB #749551 · Family-owned

Your name *
Phone number *

By submitting, you consent to DeHart Roofing (and our family roofing brands) contacting you by phone, text, or email about your roof — including via auto-dialed or pre-recorded calls — at the number you provided. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of texts. See our Privacy Policy and Terms of Service.

Step 1: free inspection. Step 2: flat-rate quote. Step 3: SFC application. We guide you through all three.

How to apply — 3 steps

  1. 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.
  2. 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.
  3. 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?

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

What credit score do I need?
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.
Will applying affect my credit score?
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.
Can I pay off the loan early?
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.
What if I miss the 0% promo window?
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.
Can I combine financing with insurance proceeds?
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.
Do you offer financing for commercial buildings?
Commercial financing runs through different products with different underwriting. Contact our commercial team for a tailored proposal.

ALSO FROM DEHART

01ABOUTNew local ownership, since 2026VIEW PAGE → 02CONTACTFree estimate, 1-hr replyVIEW PAGE → 03HEROES DISCOUNT$500 off for first responders + military + teachersVIEW PAGE → 04RECENT PROJECTSEvery job photographedVIEW PAGE → 05BLOGRoofing answers for Central Valley homeownersVIEW PAGE → 06Free EstimateFree inspection · 48-hr written quote · No pressure.GET MY ESTIMATE →
Turlock, CA · Since 1975

Get your roof financing started.

First step: free inspection. We measure, write the quote, and send you the SFC application link. Most homeowners are approved the same day.

Schedule My Free Inspection (209) 667-7737

No obligation. No commitment. Soft credit pull only.