A few details, and we'll call you back within one business day.
We'll call you back within one business day to talk through your options.
Check what you pre-qualify for through Acorn Finance's lending partners in about two minutes. It is a soft credit check, so looking costs you nothing and does not affect your score.
Pre-qualify with a soft credit check that never touches your score, and see real terms and real numbers before you commit to anything.
How It Works
You do this yourself, before or after your estimate. We never see your credit information at any point.
Use the Check My Options button on this page, or the link in your estimate or email. It takes you straight to Acorn Finance's secure form — you are never asked to send financial details to us.
A short form asks a few questions to find which offers you pre-qualify for across the eight lending partners that serve Washington, matched to your credit profile. Each step explains what is being asked and why, and there is a support number if you want help. This stage is a soft credit pull, so your score is not affected.
If an offer works for you, you select it and apply directly with that lender. Some lenders run a hard credit pull at this point — this is the step where things become a real commitment, and nothing before it does.
Once you are approved, funds can arrive as soon as one business day, though larger amounts can take a little longer. You pay Vantek on the normal schedule and we book the work in — same written price, same crew, same warranty.
What Is Available
Offers come from the eight lending partners serving Washington, so the exact amount, APR and term you see depend on your credit and on which offer you take.
Why Homeowners Use It
Your price does not change if you finance. We quote one number per roof — whether you pay by check, by card, or through a financing offer, the figure on your written estimate is the figure you pay.
The regret we hear most is patching one slope now and replacing the rest in two years. Tear-off, setup and disposal get paid for twice, and the two halves never weather the same.
Underlayment, ventilation and a full manufacturer system are where a roof's lifespan comes from. Spreading the cost is usually cheaper than reroofing sooner.
A leak does not wait for a savings plan. Checking your options costs nothing and takes minutes, and the roof gets scheduled now rather than after the damage spreads.
Questions
No. Pre-qualifying uses a soft credit inquiry, which does not affect your credit score. If you decide to move forward and continue to a lender's own application, that lender completes a hard credit inquiry at that point.
No. Your price is the same whether you pay by check, by card, or through a financing offer. We quote one number per roof and it does not move after you sign.
Third-party lending partners through the Acorn Finance marketplace, not Vantek Roofing. We are a roofing contractor, not a lender. We do not make credit decisions and we do not set your rate or terms.
It is still worth checking. The eight lending partners serving Washington have a range of credit requirements, and looking costs nothing. Pre-qualification is not a guarantee of approval, and your final rate and terms are set by the lender you choose.
Vantek charges you nothing to use financing. Some lenders charge an origination fee that is deducted from the loan amount. It varies by lender, and you see the specific terms before you accept any offer.
That depends on the lender you select. Check the prepayment terms in your loan agreement before you sign, as the agreement is between you and that lender.
Yes. Financing changes how you pay and nothing else. Same materials, same crew, same manufacturer warranty and the same workmanship warranty.
Checking does not affect your credit score and does not commit you to anything. If you would rather talk it through first, call and ask for a written estimate.
Financing is provided by third-party lenders through Acorn Finance. Vantek Roofing LLC is not a lender, does not make credit decisions, and does not set your rate or terms. All financing is subject to credit approval, and not all applicants will qualify.
Loan amounts range from $1,000 to $100,000. Repayment terms range from 2 to 20 years. APRs range from 6.49% to 35.99% and depend on your creditworthiness, the loan amount and term, and the lending partner you select. Origination fees vary by lender, from none to as much as 10% of the loan amount; one lender charges a flat fee of up to $500 instead, depending on state. Any fee is disclosed by that lender before you accept an offer. Rates shown are as of August 7, 2026 and are subject to change without notice.
Representative example: $10,000 financed at 9.99% APR over 60 months, $0 down, is 60 monthly payments of $212.42, for a total of payments of $12,745.20. This is an example only; your APR, payment and term will differ.
Funding timing is set by the lender you choose. Funds can arrive as soon as one business day after approval; larger loan amounts may take longer. Funding speed is not guaranteed.
Pre-qualification uses a soft credit inquiry and does not affect your credit score. Continuing to a lender's full application authorizes that lender to complete a hard credit inquiry. Pre-qualification is not a commitment to lend.
Estimates are free and carry no obligation. Payment for work contracted directly with Vantek follows the schedule set out in your written contract.