No money down. Ridgeline Construction partners with Sunlight Financial to offer financing on all exterior services — roof replacement, siding, gutters, and more. Choose 5, 10, or 12-year terms and keep your cash where it belongs.
Know your cost before you commit. No hidden fees, no sales pressure.
Your info is private. Response in under 10 seconds during business hours.
4.9 Stars • Hundreds of Reviews Financing by Sunlight FinancialA new roof is one of the best investments you can make in your home. With Sunlight Financial, you can make that investment on your terms — $0 down at 11.99% APR with terms up to 12 years.
Keep your savings intact for emergencies. A financed roof protects your home and your bank account at the same time.
Spread the cost over 5, 10, or 12 years of manageable monthly payments instead of one large lump sum. Stay in control of your budget.
At 11.99% APR, Sunlight Financial is often lower than credit card interest rates — and your payment is fixed, so it never goes up.
A new roof increases your home's value and curb appeal. Finance the project now and let the investment pay for itself over time.
Don't wait months to save up while your roof deteriorates. Financing lets you complete your project on your timeline, not your budget's.
Your savings stay in your account. Use financing for the roof and keep your cash reserve for the things that matter most.
A $15,000 roof is about $254/month over 10 years, or $197/month over 12 years — $0 down, fixed payment. Use the calculator below to see your number.
Put your cash or insurance money toward paying off debt, investing, home improvements, or anything else. The roof is handled.
Finance your deductible or the portion insurance doesn't cover. Combine financing with an insurance claim to get your full project done.
Know your rate (11.99% APR) and exact payment before you commit.
Enter your estimated project amount and pick a term. All plans are $0 down at 11.99% APR through Sunlight Financial.
$0 Down • 11.99% APR • 600+ Credit Score • Sunlight Financial
Estimates are for illustrative purposes only. Actual terms subject to credit approval. Minimum credit score 600. Financing provided by Sunlight Financial. Ridgeline Construction is not a lender.
Three steps. That's it. You can check your rate and get approved during a single appointment.
One of our project managers visits your property, inspects your roof, and puts together a detailed estimate — completely free, no obligation.
➔Review your estimate and check Sunlight Financial rates right there. See your monthly payment at 11.99% APR in minutes.
➔Pick 5, 10, or 12 years — whatever fits your budget. $0 down, fixed monthly payments. We handle the rest and get your project on the schedule.
No fine print, no gimmicks. Here's exactly what Ridgeline's financing through Sunlight Financial includes.
No upfront cost. Your first payment isn't due until after the work is completed and you're satisfied.
One rate, no surprises. Your 11.99% APR is locked in for the life of the loan through Sunlight Financial — it never increases.
Choose 60, 120, or 144-month repayment. Longer terms mean smaller payments — pick what fits your budget.
Get approved in minutes — often during your inspection appointment. Know your options before our estimator leaves your property.
Minimum FICO score of 600 to qualify. Subject to credit approval by Sunlight Financial.
Financing is available for roof replacement, siding, gutters, windows, and all exterior services — not just roofing.
Ridgeline Construction has been family-owned since 2012. Financing is provided through Sunlight Financial, a national home improvement lender. When you finance with Ridgeline, you're working with a company that stands behind its work — backed by a financing partner built for this industry.
Straightforward answers about how Sunlight Financial financing works with Ridgeline Construction.
Financing through Sunlight Financial requires a minimum credit score of 600. Approval is subject to Sunlight Financial's standard credit review process.
Our project managers can walk you through the application during your estimate appointment so you know your options on the spot.
Financing through Sunlight Financial is 11.99% APR with $0 down. You choose from three term lengths:
For example, a $15,000 roof replacement is about $338/month over 5 years, $254/month over 10 years, or $223/month over 12 years. Use the payment calculator above to see your exact number. Minimum credit score is 600.
Yes. Many homeowners combine Sunlight Financial financing with an insurance claim. Common scenarios include:
Our team handles insurance claims regularly and can walk you through how to combine both options. See our storm damage services for more on the insurance process.
All of them. Financing is available for every exterior service Ridgeline offers:
If you're planning multiple upgrades, financing the entire project as one package often makes more sense than doing them separately.
Minutes. In most cases, you can check your rate and get approved through Sunlight Financial during your inspection appointment. Our project managers can walk you through the process on-site so you know your options before we leave your property.
There's no separate application process, no waiting for a callback, and no drawn-out approval timeline. You'll know what you qualify for the same day.
Sunlight Financial is a national home improvement lender that partners with contractors like Ridgeline to offer homeowners affordable financing for exterior projects. They handle the loan — we handle the roof.
Ridgeline Construction is not a lender. All financing terms, approval, and servicing are provided directly by Sunlight Financial. We simply make it easy for you to access their programs during your project.
Schedule your free inspection and ask about Sunlight Financial financing — $0 down, 11.99% APR, terms up to 12 years. Serving 31 cities across Alabama and Florida.
For illustrative purposes only. Subject to credit approval. Min 600 FICO. Financing by Sunlight Financial.
