Universal Roofing Solutions
Get a free estimate, get pre-approved online and choose a payment plan before any work is scheduled.
Get in Touch Now & Get Your Estimate
Universal Roofing Solutions offers financing for qualified roof, siding and window projects through Service Finance Company, LLC, a nationally licensed home improvement lender.
You get a free estimate, apply for pre-approval through the lender’s secure application and choose a plan before any work is scheduled. Your first payment is due 30 days after the work is complete.
From free estimate to first payment, here is how the process runs.
Pre-approval is not a commitment. Applying tells you what you qualify for. You commit to the loan only when you sign the financing documents.
Your financing is provided by Service Finance Company, LLC, not by Universal Roofing Solutions.
| Detail | Service Finance Company |
|---|---|
| Type of lender | Nationally licensed sales finance company and approved FHA Title I lender |
| Type of loan | Installment loan with a fixed amount and a fixed term, not a revolving credit card |
| Programs | More than 50 financing programs, including promotional and standard installment terms |
| Projects financed | Roofing, siding, windows, doors, insulation and other home improvements |
| Prepayment penalty | None |
| Paying your loan | Online borrower portal, mailed coupon or phone; by check, ACH, money order or cashier’s check (no credit or debit cards) |
The terms above come from Service Finance Company’s published information. Your signed contract sets your exact terms.
Like most installment loan applications, the lender’s application asks for personal, contact and income details for each applicant, along with a Social Security number for the credit review. The lender transmits that information over an encrypted connection.
Before you apply, have these ready:
| Stage | What happens | Typical timing |
|---|---|---|
| Free estimate | Inspection, measurements and a written scope | Booked with our office |
| Application | One online application with the lender | A single sitting |
| Decision | The lender reviews your credit and offers programs | Contractor-arranged financing is usually decided far faster than a home equity loan, which typically takes 2 to 6 weeks |
| Work | Your project is completed | Most roof replacements take one to three days on site |
| Payment to us | You authorize the lender to pay us | After the work is complete |
| First payment | Your first monthly payment | 30 days after the work is complete |
Financing availability depends on approval, project scope and program terms. Qualifying projects include:
If new gutters or other exterior work are part of the same estimate, ask whether they can be included in the financed amount.
Service Finance Company offers three broad types of programs. We confirm which ones are available for your project.
| Plan type | How it works | What to check before you sign |
|---|---|---|
| No-interest plan | No interest during a promotional period if you meet the plan terms | How long the promotion lasts and what the payment is |
| Deferred-interest plan | Interest is waived only if the balance is paid in full by the end of the promotional period | If any balance remains at the end date, interest can be charged back to the start of the loan |
| Long-term installment plan | A fixed monthly payment over a longer term | The interest rate, the term and the total you will repay |
Read the Promotional Period Offer. If your loan has a promotion, the box stating that the Promotional Period Offer applies will be checked in your contract. That section sets out the terms. Read it before you sign.
Many do, through a lending partner. Universal Roofing Solutions offers financing for qualified projects through Service Finance Company, a nationally licensed home improvement lender.
Yes. Once approved, you repay the loan in monthly installments. Your first payment is due 30 days after the work is complete.
Approval is decided by the lender after a credit review, and Service Finance Company offers more than 50 programs. Applying is the only way to know what you qualify for. If the full replacement is out of reach, ask us whether a repair can safely extend the life of your current roof.
With lender financing, the first loan payment is not due until 30 days after the work is complete. Whether a deposit is needed depends on your project and plan, and we confirm it with your estimate.
No. Service Finance Company loans have no prepayment penalty.
Financing is available for qualified roofing projects, including larger repairs and full replacements. Ask during your estimate.
No. Pre-approval shows what you qualify for. You commit only when you sign the financing documents.
Start with a free estimate, then apply for pre-approval online. Questions about financing? Call us at (973) 908-0242, Monday to Saturday, 9 AM to 7 PM.
Get in Touch Now & Get Your Estimate
