Financing Options

A new roof is an investment in your home. We offer flexible financing through Service Finance Company so you can get the roof you need now and pay over time.

No Interest If Paid In Full

Deferred Interest Plans

Pay nothing in interest if you pay off the balance within the promotional period. Minimum monthly payments required during the promo. Choose the term that fits your budget.

6 Months

No Interest

The fastest payoff option. Lowest total cost if you can clear the balance in half a year.

Best for

Smaller repairs and maintenance projects

12 Months

No Interest

A full year to pay interest-free. Spread the cost over twelve manageable monthly payments.

Best for

Mid-size repairs, partial replacements

18 Months

No Interest

The longest interest-free window we offer. Lowest required monthly payment of the three.

Best for

Full roof replacements with planned payoff

Long-Term Installment Plan

60-Month Fixed-Rate Loan

Spread your roof investment over 5 years with a fixed low rate. Predictable monthly payments, no balloon payment at the end. Ideal when you want the lowest monthly cost.

9.99% APR for 60 months

Example Monthly Payments

$10,000 project $212/mo

$20,000 project $424/mo

$30,000 project $636/mo

Payments shown are estimates based on the 2.12% payment factor. Actual payment will be confirmed at closing.

Payment Calculator

See Your Monthly Payment

Estimate what your new roof would cost each month. Final terms confirmed at application.

Project Cost$20,000

$5K$50K

Choose a Plan

Estimated Monthly Payment

$1,667/mo

Term12 months

Total paid$20,000

Interest$0 (if paid in time)

Important

If the balance is not paid within 12 months, deferred interest of ~17.99% APR is charged from the original purchase date. Worst-case additional cost: $3,598.

Get a Free EstimateApplication takes 2 minutes. Most decisions in seconds.

Estimates only. Actual rates, terms, and approval subject to creditworthiness and underwriting by Service Finance Company, LLC.

Why These Plans Work for Roofing

No Prepayment Penalties

Pay off your balance early at any time. Zero penalties, zero extra fees.

Up to $100,000

Loan amounts from $1,000 to $100,000 cover everything from minor repairs to full replacements.

Fast Approval

Most decisions in minutes. We can apply during your estimate appointment.

How It Works

Apply

Quick application during your estimate or online. Most decisions in minutes through Service Finance.

Pick Your Plan

Choose deferred interest or installment based on your budget. We help you compare the numbers.

Project Starts

We schedule and complete your roof. First payment is not due until about 30 days after work is finished.

Financing FAQ

What credit score do I need to qualify?

Service Finance approves most applicants with a credit score of 600 or higher. Higher scores qualify for better rates and longer deferred interest periods.

How much can I finance?

Loan amounts range from $1,000 to $100,000. Most Bay Area roof replacements fall between $12,000 and $40,000.

What does "deferred interest" mean?

Interest accrues from day one but is completely waived if the full balance is paid off before the promotional period ends. Minimum monthly payments are still required during the promo. If a balance remains after the period, the accrued interest is charged retroactively from the original purchase date.

How long does approval take?

Most applications receive a decision within minutes. Once approved, we can schedule your project right away.

Are there prepayment penalties?

No. Every plan we offer allows you to pay off the balance early with zero penalties.

When does my first payment start?

Your first payment is due about 30 days after the project is completed, not before. You only pay for work that is actually finished.

Get a Free Estimate with Financing Options

We will walk you through the numbers during your estimate. No obligation, no pressure.

Request Free Inspection Call (555) 123-4567

Loan programs, interest rates, terms, and discounts are subject to change without notice. Loan programs are available in all 50 states including the District of Columbia, United States. Loans are originated only by Service Finance Company, LLC. All plans subject to credit approval. For loans where deferred interest applies, interest will accrue from the date of purchase but will be waived if the balance is paid in full within the promotional period.