The honest version of how contractor financing works.
When you see a "0% for 18 months" or "low monthly payment" offer from a roofer, here's what's actually happening: the lender charges the contractor a fee, sometimes 5–9% of the loan amount. Most contractors quietly pad the bid by that amount to cover it. Net effect: the financing isn't free — it's just hidden.
We do it differently. Our cash price and our financed price are the same. We absorb a portion of the dealer fee on shorter promotional plans (which is why we cap those at 12 or 18 months), and the longer fixed-rate plans pass the real rate through to you. No hidden markup either way.
The plans we offer.
- 0% for 12 monthsSame-as-cash. Pay it off inside 12 months, you pay zero interest. Good fit if you're waiting on a bonus, year-end disbursement, or selling something. Standard credit check.
- 0% for 18 monthsSame as the 12-month plan with a longer runway. Larger projects (metal roofs, larger square footages) usually qualify.
- 7-year fixed ratePredictable monthly payment, fixed interest rate, no prepayment penalty. Most popular plan for asphalt roof replacements. Rate depends on credit score — usually between 6.99% and 12.99% APR.
- 10-year fixed rateLower monthly payment, same predictability. Most common on metal roof installs because the roof lasts 5x the loan term.
- 15-year fixed rateAvailable for larger projects. Rates are higher; consider it only if cash flow is the priority over total interest paid.
What you need to know before applying.
- It's a soft credit pull to pre-qualify, hard pull to fund. The pre-qualify number gives you a real ballpark on rate and term.
- The application is online and takes about 7 minutes. You'll get a decision the same day.
- The loan is unsecured — it's not a lien against your house.
- Most plans have no prepayment penalty. Pay it off whenever you like.
- If you're considering a HELOC or cash-out refinance through your bank, that may be cheaper than contractor financing for larger projects. We'll tell you when that's the case.
When financing makes sense — and when it doesn't.
Makes sense:
- The roof is at end-of-life and you can't safely wait.
- You're upgrading to metal and want to spread the cost over the roof's lifespan.
- You have cash but would rather keep it invested or in reserve.
- You qualify for a 0% promotional plan and can pay it off inside the promo window.
Probably doesn't:
- You can pay cash and the only reason you're financing is because the salesperson pushed it.
- The contractor is offering financing as a way to obscure a high bid.
- You're already carrying high-interest debt elsewhere — pay that down first.