Affordable Roofing Financing
Affordable roofing financing options. 0% interest for 12 months. Monthly payments from $99. No money down available.
A new roof is an investment in your home's value, safety, and energy efficiency. We believe finances shouldn't prevent you from getting the roof you need — especially when a delay means more damage and higher costs down the road.
Financing Plans
0% Interest — 12 Months
- No interest if paid in full within 12 months
- No money down required
- Payments as low as $99/month
- Approval in minutes
- No prepayment penalties
Best for: Homeowners who want to spread the cost over a year without paying a dime in interest.
Low Monthly — Up to 144 Months
- Fixed monthly payments
- Terms from 24 to 144 months
- Competitive rates from 6.99% APR
- No money down options available
- No prepayment penalties
Best for: Larger projects where you want the lowest possible monthly payment.
Same-as-Cash — 18 Months
- No interest if paid within 18 months
- Low minimum monthly payments
- Ideal for insurance claims waiting on reimbursement
- Quick application process
- No prepayment penalties
Best for: Homeowners with insurance claims who need the roof now but are waiting on the payout.
1. Get Your Free Estimate
We inspect your roof and provide a detailed written estimate. No obligation, no pressure. You'll know exactly what the project costs before discussing financing.
2. Apply in Minutes
Quick online application — takes about 5 minutes. Soft credit check for pre-qualification won't affect your credit score. Most homeowners get an answer within 60 seconds.
3. Choose Your Plan
Select the payment plan that fits your budget. Your estimator will walk you through the options and help you find the right fit. No hidden fees.
4. We Get to Work
Once approved, we schedule your project — often within 1-2 weeks. You get a quality roof now and pay over time on your terms.
| Project Cost | 12 Months (0% APR) | 60 Months (6.99% APR) | 120 Months (8.99% APR) |
|---|---|---|---|
| $8,000 | $667/mo | $158/mo | $101/mo |
| $12,000 | $1,000/mo | $238/mo | $152/mo |
| $16,000 | $1,333/mo | $317/mo | $203/mo |
| $25,000 | $2,083/mo | $495/mo | $317/mo |
*Rates shown are estimates for illustration purposes. Actual rates depend on credit approval and loan terms. All plans subject to credit qualification.
Frequently Asked Questions
The initial pre-qualification uses a soft credit inquiry that does not affect your credit score. A hard inquiry only occurs if you choose to proceed with formal approval.
What credit score do I need?
Most plans require a minimum score of 600. We work with multiple lending partners to maximize approval rates. If one lender declines, we can often find another option.
Yes. All of our financing plans have zero prepayment penalties. Pay off your balance early and save on interest.
Can I combine financing with insurance?
Absolutely. Many homeowners use financing to cover the deductible or out-of-pocket portion while their insurance claim is processed. Once the insurance payment arrives, you can apply it to your balance.
Get Your Free Roof Inspection
Call today for a no-obligation estimate from a licensed East Bay roofing contractor.
Call (925) 722-4916