Paying For The Work
Financing That Does Not Work Against You
Flexible financing options through our lending partner, with straightforward terms, no contractor fees, and a process designed to keep you in control.
Why We Offer It
The Right Job, Not the Cheapest One
Most people do not put off a project because they do not want it done. They put it off because the timing is not right or because doing it properly costs more than cutting corners, and that difference has to come from somewhere.
Financing exists so that difference does not determine the scope of your project. It should allow you to choose the right roof, the right windows, and the right foundation work instead of settling for the version that fits what is in your account this month.
What financing should never do is increase the price of the work simply because you are using it. We are careful about who we partner with, and we will tell you plainly when paying outright may be the better choice for you.
What You Get
How Our Financing Is Different
We partner with HFS Financial to connect homeowners with financing options from third-party lenders. These are the terms that made us choose them.
Low Fixed Rates
Access competitive fixed-rate options with predictable monthly payments.
Direct-to-Consumer Financing
Your financing is handled directly through the lender, with no consumer fees from Rapunzel Construction.
Personal Loan Options
Finance your project without borrowing against the equity in your home.
Fast Prequalification
Review available loan options through a quick and straightforward prequalification process.
Terms Up to 30 Years
Choose from flexible repayment terms that can make your project easier to budget.
No Impact to Check Your Rate
Check your available rates and loan options without affecting your credit score.
The Process
Four Steps, No Sales Pressure
Get Your Estimate First
We walk the property, define the scope of work, and put a real number in front of you. There is no reason to consider financing until you know what the project will cost.
Check What You May Qualify For
Complete a short inquiry to review the options that may be available to you. The initial inquiry uses a soft credit check, so checking your rate will not affect your credit score.
Choose Your Terms
You may receive several options with different repayment periods and monthly payments. Choose the option that fits your monthly budget and long-term financial plans.
We Schedule The Work
Once your financing is complete, the funds are released directly to you and we schedule the project. You are our customer either way. Your financing agreement remains between you and the lender.
If financing makes a job worse for you, we will say so. That is the whole test.
Rapunzel Construction
Our Sister Company
Roofing, By The Same People
Between the two companies we cover every square inch of a property's structure — with the single exception of full blacktop paving. Same standards, same crews, same straight answers.
Questions People Ask Us
Does applying hurt my credit score?
Checking your options is a soft pull, which does not affect your score. Only if you accept an offer and move forward does a hard pull happen, the same as any loan.
What credit score do I need?
There are programs across a wide range, and a lower score usually means a shorter term or a higher rate rather than a flat no. The honest answer is that it is worth checking rather than assuming.
What rate will I get?
[TODO: confirm the current rate range with HFS before publishing.] Rates depend on credit, term length and the loan amount, and you will see the exact figure before you commit to anything.
How long does approval take?
Most applications come back the same day, and many within minutes. Funding typically follows within a few business days of acceptance.
Is my house collateral?
No. These are unsecured personal loans, so there is no lien on your property, no appraisal and no title work. Your house is not on the line.
Can I use it for part of the project?
Yes. Plenty of people finance the structural half and pay for the finishes outright. Split it however makes sense for you.
Do I have to use financing to work with you?
Not at all, and we are not paid to steer you toward it. It is an option, offered because it removes a real obstacle for some people and not for others.
Free Estimates
Finance You Next Rapunzel Roofing Project with HFS
Get the estimate first, then see what you qualify for.
- No pressure
- Woman-owned
- Financing available