How roof financing works
- Free inspection and written estimateWe inspect the roof (and the rest of the exterior if you want), photograph what we find and give you one written number.
- Ask for financingTell us you want monthly payment options. We start the application with our lending partner with you.
- Review your offerThe lender shows you the amount, rate, term and payment you qualify for. Nothing is final until you accept it.
- Schedule the workOnce you sign, we schedule the installation and keep you updated until the final walkthrough.
What you can finance
- Roof replacement and larger roof repairs
- Gutters, downspouts and gutter guards
- Siding and exterior trim
- Replacement windows and patio doors
- Attic insulation
- Permanent lighting and whole-home water filtration
Run the numbers
For illustration only. This is not an offer of credit. Rates, terms and approval are set by the lender based on your credit.
Financing and insurance
If a storm damaged your roof, your homeowner's insurance policy may cover part of the cost. That decision is between you and your insurance company: we document the damage with dated photos you can share, but we never act as your adjuster or promise what a policy covers. Financing is for the part of the project you choose to pay for yourself, such as a roof that is simply old, an upgrade to better shingles, or the gutters, siding or windows you add to the job.
Questions to ask any lender
- What is the annual percentage rate (APR), and is it fixed?
- How many months is the term, and what is the monthly payment?
- Is there a promotional period, and what happens when it ends?
- Are there fees or a penalty for paying early?
- Will the application be a soft or a hard credit inquiry?
Frequently asked questions
Can I finance a roof replacement?
Yes. Qualified homeowners can pay for a roof replacement in monthly installments through our lending partners. Approval, rate and term depend on the lender's review of your credit.
Can I finance a roof with bad credit?
Approval is the lender's decision. Ask at your estimate and we will show you the options available to you; we never promise approval.
Does applying affect my credit?
It depends on the lender and the step. Ask whether the first check is a soft or a hard inquiry before you apply; the lender will tell you.
Can I add gutters, siding or windows to the same plan?
Yes. If you qualify, the roof and other exterior work can go on one financing plan, so you have one project and one monthly payment.
Do you offer 0% interest?
Promotional offers vary by lender and change over time. Ask at your estimate and the lender will show you the current terms you qualify for.