Financing
A new roof shouldn’t require draining savings.
Real financing options, transparent math, and honest guidance on when to finance and when not to.
Same-day response · No obligation.
Payment calculator
See what a real payment could look like.
Estimated monthly payment
$238/mo
Estimate only. Actual rates depend on credit and lender. We shop 4+ lenders to find your best option.
Check my rate Four ways to finance
0% APR promo
12–18 months
Pay in full within the promo window — no interest, no fees. Great if you’re expecting an insurance check or year-end bonus.
Low fixed monthly
60–180 months
Predictable payments at competitive rates. Most homeowners choose 120 months for a manageable payment.
Same-as-cash
6–12 months
For homeowners bridging to an insurance payout or home sale.
Insurance claim only
Until claim clears
Cover your deductible and any upgrades while your insurance check is in process.
When financing genuinely helps
You’re replacing a failing roof and don’t want to touch emergency savings. You’re expecting an insurance payout and need to move now. You’ve chosen a premium system that will last decades but cost more upfront.
When it doesn’t
You’re financing an upgrade you don’t actually need. Or you’re rolling in unrelated projects that inflate the loan. Keep it clean, keep it purposeful.
Financing FAQs
No. We work with 4+ lenders, including options for scores as low as 580. Rates and terms improve with higher credit, but nearly everyone qualifies for something.
None of our financing partners charge prepayment penalties. Pay it off any time.
The initial soft check does not affect your score. Only if you accept an offer and move forward does a hard pull happen.
Yes. Financing your deductible while insurance covers the rest is one of the most common uses.
If you can pay cash without straining reserves, or if you’re selling within a year. Otherwise, spreading a 20-year investment over 5–10 years usually makes strong financial sense.
Ready to see your monthly payment?
Soft credit check only — it won't affect your score.