Flexible Financing Options

Does checking my rate affect my credit score?

No. Initial rate checks use a soft credit inquiry, which does not affect your credit score. A hard inquiry only happens if you formally accept a loan offer and proceed.

What credit score do I need to qualify?

Nova's financing partners work with a wide range of credit profiles — the exact rate and term offered depends on your credit, loan amount, and project type. You'll see your actual approved terms during the soft-check process before committing.

What are typical loan terms?

Fixed-rate terms typically run from 24 months to 144 months (2 to 12 years), depending on the loan amount and your credit profile. Longer terms mean lower monthly payments with more total interest; shorter terms cost less overall but have higher monthly payments.

Can I pay off the loan early?

Yes. Nova's financing partners offer no-prepayment-penalty options. If you pay off the loan ahead of schedule, you save on future interest — no fees, no penalties.

Is financing available for both roofing and siding?

Yes. Financing applies to roof replacement, metal roofing, vinyl siding, or any combination project. You can finance the full project amount or a portion with a down payment.

How long does approval take?

Soft-check prequalification is instant — you see your rate options in seconds. Final loan approval after accepting an offer typically finalizes same-day or next business day.