Roof Financing in Colorado Springs
Through Hearth
Flexible financing with 0% interest plans, approvals from scores as low as 540, and no prepayment penalties. Making quality roofing accessible for every El Paso County homeowner.
Navigating Roof Financing is Easier With Fixins
Fixins has partnered with Hearth Financial to offer Colorado Springs homeowners flexible financing options that make quality roofing accessible regardless of your current financial situation. Whether your project is not fully covered by insurance, you want to upgrade beyond your insurance payout, or you are replacing an aging roof proactively, Hearth's network of lenders can find a solution that fits your budget.
8935 S Blue Sage Circle, Colorado Springs: Insurance covered the shingle replacement. Homeowner financed the upgrade to standing seam metal and got a lifetime roof for a fraction of the total cost.
0% Interest Plans Available
Qualified applicants can finance their roof project at 0% interest for promotional periods. Your total cost does not increase when you finance, you simply spread the payment over time without paying a finance charge. Current promotional terms are available for qualified applicants, ask us when you schedule your inspection.
Credit Scores Starting at 540
Hearth's network includes lenders who work with a wider range of credit profiles than traditional home improvement financing. Homeowners with credit scores starting at 540 may qualify. Multiple lenders compete for your business to find the best available rate for your specific situation.
No Prepayment Penalty
You can pay your balance early at any time without additional fees. If your financial situation improves during the loan term, you are never locked in to the full term.
Fast Approval Decisions
Hearth's application takes about 2 minutes to complete. No hard credit pull is required for the initial rate check. Approval decisions typically come back within minutes, so you know where you stand quickly.
Combine Insurance Proceeds and Financing
Many Colorado Springs homeowners combine their insurance payout with a small Hearth financing amount to upgrade from standard shingle replacement to a 24-gauge standing seam metal roof. The insurance covers the baseline replacement cost. Financing covers only the upgrade portion. The result: a lifetime roof for a few thousand dollars out of pocket, spread over manageable monthly payments.
How to Apply
The most efficient path is to schedule your free Fixins inspection first. After your inspection and estimate, we provide a direct link to Hearth's application. Complete the application online at your convenience, get your approval decision, and we schedule installation once financing is confirmed.
Check Your Rate in 2 Minutes
No hard credit pull for the initial rate check. Multiple lenders compete for your business. Scores starting at 540 may qualify.
Apply for Financing Through HearthSenior and Military Discounts
Fixins offers discounts for senior homeowners and active duty or veteran military families on every project regardless of payment method. These discounts apply before your estimate is finalized so you see the real number from the start. Mention your eligibility when you schedule your inspection.
Real Project Example
3218 Parade Cir W, Colorado Springs: Insurance-covered replacement using Malarkey Black Oak Class 4 SBS shingles. Hearth financing used to include upgraded ridge ventilation and ice shield.
Get the Roof You Need Now, Pay Over Time
A new roof should not wait for a perfect bank balance. Through our lending partner Hearth, Fixins offers flexible financing with loans up to $250,000, funding in as little as 1 to 3 days, and a soft credit check that never affects your score to see your rate.
- Loans up to $250,000 for roofing and full restoration
- Funding in as little as 1 to 3 business days
- Soft credit check with no impact to your credit score
- No prepayment penalties and no home equity required
Apply in Minutes, Not Weeks
Check Your Rate
See personalized monthly payment options in about two minutes with no credit impact.
Choose Your Plan
Compare terms and pick the monthly payment that fits your budget.
Get Approved Fast
Approval decisions are quick and funding can arrive in 1 to 3 days.
We Get to Work
Once funded, Fixins schedules your roof or restoration project right away.
What You Can Finance With Fixins
Combine insurance proceeds with financing to maximize coverage and minimize what comes out of your pocket.
Complete Roof Replacements
Asphalt, metal, tile, and flat-roof systems, fully financed with flexible terms.
Repairs and Gutters
Roof repairs, leak mitigation, and full gutter and downspout systems.
Restoration Projects
Storm, water, fire, smoke, mold, and odor restoration under one financing plan.
Extra Protection for Hail Season
Colorado homeowners can now add a dedicated wind and hail policy through SOLA, a supplemental hail policy designed to help cover your deductible and provide additional funds toward a hail claim. We connect clients with Kelli Holt, a long-time local Farmers insurance agent, for questions about coverage.
SOLA and wind/hail policies are offered by independent insurance providers. Fixins Roofing and Restoration does not sell insurance.
Flexible Financing for
Every Colorado Springs Homeowner.
0% interest plans, scores from 540, no prepayment penalty. Start with a free inspection.