Metal Roof Financing & Rebates | The Metal Roof Pros

Metal Roof Financing

Spread the cost of your new metal roof and pre-qualify in seconds, with no impact to your credit.

Credit scores as low as 550

Pre-qualify in seconds with no impact to your credit

No prepayment penalty

$0 down options

How Does Metal Roof Financing Work?

We finance through Acorn Finance, which matches you with offers from a network of lenders in one place. You pre-qualify in seconds, compare real options side by side, and choose the one that fits your budget, all without affecting your credit score. Loans run from $1,000 to $100,000 with competitive rates, and approved projects can be funded in as soon as 24 hours.

Step 1

Check your offers

Click to pre-qualify in seconds with no impact to your credit.

Step 2

Compare and choose

Compare offers from multiple lenders and pick the one that fits.

Step 3

Get funded

Get approved and funded in as little as 24 hours, then we schedule your roof.

Acorn Finance apply and get affordable payment options from multiple lenders

What Other Ways Can You Make a New Roof Affordable?

Beyond financing, a new metal roof can pay you back through utility rebates and lower what you pay for home insurance.

Los Angeles utilities pay you back for a reflective cool roof and for adding attic insulation. What you qualify for depends on which utility serves your home.

If LADWP serves your home (City of Los Angeles)

Cool Roof rebate: up to $0.60 per square foot for qualifying reflective roofing installed over conditioned living space.
Attic Insulation Rebate Program: $0.50 per square foot for attic insulation rated above R-19, or $0.30 per square foot at R-19 or below, up to 80% of the project cost, one rebate per home every 15 years.

Both are first-come while funds last and require a permit, a licensed contractor, and before-and-after attic photos. See the LADWP Consumer Rebate Program.

If SCE and SoCalGas serve your home (most of the Valley, Orange, Ventura, and Riverside)

Southern California Edison offers attic insulation rebates, and its whole-home Home Performance Plus program can stack rebates into the thousands when insulation is paired with high-efficiency HVAC.
SoCalGas offers insulation rebates through the same whole-home upgrade programs.

See SCE Rebates and SoCalGas Rebates.

We install qualifying cool roofing and attic insulation and provide the itemized invoice and product documentation these rebates require. Rebate programs change and funds are limited, so confirm the current offer on the utility's page.

In California's fire-prone areas, the bigger issue is often staying insured at all. Insurers are non-renewing homes with old, worn, or fire-inappropriate roofs. An aging asphalt shingle roof in a high-fire-risk area can get a policy declined or non-renewed, which can force the owner onto the California FAIR Plan, the state's insurer of last resort, where coverage usually costs more and covers less. A new Class A, non-combustible standing seam metal roof is the kind of upgrade that helps keep you eligible for standard-market coverage.

On premiums: California's Safer from Wildfires regulation requires insurers to offer discounts for wildfire mitigation, and a Class A roof is one of the highest-weighted measures. Homeowners can see discounts up to around 14.5% in the standard market, and up to about 24.5% in total hardening credits on the FAIR Plan. A standing seam metal roof is a Class A assembly, non-combustible, with concealed fasteners, the profile insurers view most favorably. Actual discounts vary by carrier, so ask your insurer what your roof qualifies for.

See the California Department of Insurance, Safer from Wildfires.

What Other Questions Should I Ask?

No. Pre-qualifying with Acorn is a soft credit check that does not affect your credit score. Only a full application with the lender you choose involves a hard inquiry.

You can finance from $1,000 to $100,000 through Acorn's lender network, which covers most residential metal roofing projects in full.

Because Acorn matches you with a network of lenders, homeowners with credit scores as low as 550 can find offers. A higher score generally earns a lower rate and longer terms.

Many offers include $0 down and no prepayment penalty, so you can put nothing down up front and pay the loan off early with no fee.

Approved projects can be funded in as soon as 24 hours, so financing does not have to slow down your roof.

Yes. You can finance the roof through Acorn and still claim any LADWP, SCE, or SoCalGas rebate you qualify for, since those are separate programs.

It can. A Class A roof can qualify you for California's wildfire mitigation discount, and just as important, it helps keep you eligible for standard coverage instead of the costlier FAIR Plan. Amounts vary by carrier.

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Consumer Information (PDF)