These are the two programs we talk through with homeowners most often when they want to protect their budget and not put off a roof replacement. Both are subject to credit approval.
Promotional option
This short-term option is a convenient way to spread the cost of your roof over the next year with a smaller monthly payment.
Long-term option
This option spreads a roof replacement cost over more time for a lower-pressure monthly payment.
Payment examples are for planning purposes only. Your final terms depend on credit approval and the amount financed.
Who We Work With
Most of our roof financing goes through Service Finance Company. Service Finance is part of Truist Bank and specializes in home improvement lending, so the process is more familiar and straightforward for a roofing project.
Filling out the application takes only a few minutes, and once you submit it you usually hear back quickly.
We make no money on your financing and add no financing fee. Customers who pay by bank draft or check also get a cash discount from us.
We can start the application as soon as your quote is signed, so your roof project is not stuck waiting.
Payment Calculator
This calculator uses the 120-month, 7.99% plan and a payment factor of 1.21% per month. It is a simple planning tool, not a final loan offer.
Estimated monthly payment
Based on 120 monthly payments at a 1.21% payment factor.
Putting money down lowers both the financed amount and the monthly payment. Final approval and exact terms come from Service Finance.
Questions Homeowners Ask
These are unsecured personal loans, so no lien goes on your home or any other property, and your vehicles are not affected either.
Neither plan has prepayment penalties. If you want to pay off the balance before the term ends, you can do it at any time and you will not owe any additional fees.
We do not make any money on it. We pay part of the financing cost ourselves, and that is why there is no markup from us on your loan. Some contractors use financing as a profit center, but we do not think that is the right way to work with homeowners, so we will not do it.
Service Finance is not your only option. You can also pay by credit card, check, or bank transfer, and if you have a HELOC or another product like the Wells Fargo Home Service Credit Card, that works too. Tell us how you want to handle it and we will make sure everything gets set up correctly.
We can start the application the same day your quote is signed. Most applicants get an answer from Service Finance within a day or two, and that means your project does not wait long before work can begin.
Your information goes straight to Service Finance when you enter it, and we cannot see any of it. Payment details you enter in our payment portal work the same way. At no point in the process do we have access to your financial information.
Most projects fit one of the two plans on this page, but depending on your project size and budget there are other options too. Call us and we will go over what is available and which one might make the most sense for you.
Ready To Apply?
Use the Service Finance application to take the next step whenever you are ready. And if you would like help picking a plan first, call our office and we will walk you through it.
