Financing · Toronto & the GTA
Roofing financing in the GTA.
A new roof is a big number — most detached GTA replacements land around $15,000–$20,000 plus HST. If you'd rather not pay it all at once, you can spread your transparent total over fixed monthly payments through Financeit. We show the full price first, every time. Financing is just a way to pay it.
See my roof planPlanning range first, monthly payment second. No obligation. OAC.
Financing is shown under the price — never instead of one.
Some roofers lead with "from $99/month" and never tell you the real total. We do the opposite. You see your planning range from your address, then a verified line-item price after a photo-backed assessment. Only then do we show what that same total looks like as a monthly payment, with the rate and "OAC" always beside it.
How financing works
Four plain steps. You can check your options before you commit to anything.
Get your transparent total
Start with a planning range from your address, then a verified, line-item price after a photo-backed assessment. You always know the full number first.
Check your monthly options
We show your total as a fixed monthly payment through Financeit, with the rate and term spelled out. Many homeowners can pre-qualify with a soft check that does not affect their credit score.
Apply when you are ready
A short application, usually a quick decision. Approval (OAC) confirms your real rate, term, and monthly payment — no surprises after you sign.
We install; you pay monthly
We complete your roof to manufacturer specification with photo checkpoints, and you repay the loan in equal monthly payments. Financeit loans are open, so you can pay ahead or pay it off early.
Sample monthly payments
| Roof total (sample) | Term | Sample monthly |
|---|---|---|
| $12,000 | 120 mo | ~$159/mo |
| $16,000 | 120 mo | ~$211/mo |
| $20,000 | 120 mo | ~$264/mo |
Sample data, OAC. Roof totals shown reflect typical GTA detached ranges and exclude 13% HST. Your verified price and monthly payment are set after a photo-backed assessment and Financeit approval.
What a payment can look like.
These are illustrations, not offers. We show the rate, the term, and "OAC" every time so there's no fine-print surprise. The honest version of monthly framing is this: it's the same transparent total, divided into equal payments — plus interest at your approved rate.
When you reach the financing step inside your plan, the monthly figure is built from your real total, not a sample — and you can still choose to pay in full instead.
Build my real planWho qualifies (OAC)
Financing is offered on approved credit. Financeit reviews each application, so we can't promise approval — but here's an honest picture of what helps.
What lenders look at
- You're a Canadian resident, typically the homeowner
- Your credit history and current obligations
- Income that supports the monthly payment
- The amount and term you're requesting
What you can expect
- A soft pre-qualification check that doesn't affect your score
- Your rate, term, and payment shown before you sign
- Open loans — pay ahead or pay off early without penalty
- No Roofprint fee for choosing to finance
If you're not approved
You're never stuck. Your transparent total stands on its own — you can pay in full, pay a portion now, or revisit financing later. We'll never pressure you into a payment plan to win the job.
Our lender
Why we use Financeit
Financeit is a Canadian lender built for home improvement and roofing — not a generic credit card. There's no standard merchant fee, so we have no built-in reason to pad your price. Decisions are usually quick, and the loan is between you and the lender, with terms you can read before you agree.
Read the fine print
What we won't do
- No countdowns or "today only" rates
- No hiding the total behind a monthly number
- No surprise dealer fees added to your price
- No pressure if financing isn't right for you
Financing questions
Is financing instead of a fixed price?
No. We always show your transparent total first — a planning range from your address, then a verified, line-item price after a photo-backed assessment. Financing is simply an optional way to pay that total over time. You see the full number before any monthly figure.
What does OAC mean?
OAC stands for "on approved credit." It means a monthly payment is offered subject to the lender approving your application. Your actual rate, term, and payment depend on Financeit's review of your credit and are confirmed before you sign anything.
Does Roofprint charge a fee to use financing?
No. We use Financeit, a Canadian home-improvement lender with no standard merchant fee, so we have no reason to mark up your price to cover one. The total you finance is the same transparent total you would pay any other way.
Will applying hurt my credit score?
Financeit can pre-qualify many homeowners with a soft check that does not affect your score. A full application before you sign involves a credit check. We will tell you which step you are at, and you are never obligated by checking your options.
Can I pay the loan off early?
Financeit loans are open, so you can pay extra or pay the balance in full early without a prepayment penalty. Confirm the exact terms in your loan agreement before you sign.
Start with the price. Decide on the payment.
Get your property-specific planning range first. When you reach the financing step, you'll see your real total as a monthly payment — with the rate and OAC right beside it, and the option to pay in full instead.
See my roof planQuestions about a payment plan? Call (437) 000-0000. We don't sell your info.