Don't let a roof leak drain your savings. We partner with Wisetack to offer simple, transparent financing options for San Francisco & San Jose homeowners.
Checking won't affect your credit score.
Trusted Financing Partner
Roof Express has partnered with Wisetack to provide our customers with fast, easy, and transparent financing. Finance your roof repair or replacement up to $25,000*.
When Financing Makes the Most Sense
San Francisco storms don't wait for payday. Financing allows you to fix active leaks immediately, preventing costly interior water damage and mold growth.
Selling your home? A new roof offers up to 60% ROI. Finance the project now, increase your asking price, and pay it off at closing.
Don't settle for basic shingles. Use financing to upgrade to a Title 24 "Cool Roof" system that lowers your monthly energy bills for years to come.
In the competitive real estate markets of San Francisco, San Jose, and Oakland, a new roof is a significant investment. With local roofing costs averaging between $15,000 and $35,000 depending on materials and complexity, many homeowners prefer to keep their cash reserves intact.
Our unsecured financing options allow you to start your project with $0 down. Whether you are installing a premium GAF Timberline HDZ system or a specialized flat roof for your Eichler home, monthly payments make it manageable.
Investing in a Diamond Certified roof now can increase your home's value and prevent thousands in future structural damage.
Why Wisetack Wins Over Traditional Loans
| Feature | Roof Express / Wisetack | Credit Cards | HELOC / Bank |
|---|---|---|---|
| Application Time | 60 Seconds | Instant | 4-6 Weeks |
| Credit Impact | Soft Pull (Checking) | Hard Pull | Hard Pull |
| Prepayment Penalties | None (0%) | N/A | Varies |
| Collateral Required | No (Unsecured) | No | Yes (Your Home) |
| Interest Rates | Competitive Fixed | High Variable | Fixed/Variable |
Fill out a short application on your phone. It takes less than 60 seconds and doesn't impact your credit score to check.
Choose the monthly payment plan that fits your budget. Terms range from 3 to 60 months with APRs as low as 0% for qualified buyers.
Once approved, Roof Express schedules your project immediately. We handle the paperwork directly with Wisetack.
No paperwork. No faxing. Complete the entire process from your smartphone while our estimator is still at your house.
No. Wisetack uses a "soft pull" to check your eligibility and show you your options. This does not affect your credit score. A hard pull is only performed if you accept an offer and proceed with the loan.
Annual percentage rates (APRs) range from 0% to 29.9%, depending on your creditworthiness. You will see your exact rate before you commit to anything.
Never. You can pay off your loan at any time without any fees or penalties.
Typically, consumer loans are not tax deductible. However, if the roofing project is considered a capital improvement (like adding solar or energy-efficient materials), you may qualify for tax credits. Consult your tax advisor for specifics in California.
In most cases, no. Wisetack offers financing options that cover the full cost of your roofing project with $0 down required upfront.
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,000 purchase might cost $45.18 a month for 24 months at 7.9% APR. See wisetack.com/faqs.
Use financing for roof repair, roof replacement, flat roofing, gutters, and skylights. Pre-qualifying is quick and won’t affect your credit score.
Cover leak repairs fast—then pay over time.
Make a long-term upgrade without delaying your project.
TPO, torch-down, and coatings—financed with clear monthly terms.
Bundle gutters with roofing work for a complete exterior fix.
Replace leaking skylights and flashing—then spread payments out.
Financing is provided by our partner and is subject to approval. Terms vary by applicant.
