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.
The plans we offer.
- 0% for 12 monthsSame-as-cash. Pay it off inside 12 months, you pay zero interest.
- 0% for 18 monthsSame as the 12-month plan with a longer runway. Larger projects (metal roofs) usually qualify.
- 7-year fixed ratePredictable monthly payment, fixed interest rate, no prepayment penalty. Most popular plan. 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.
- 15-year fixed rateAvailable for larger projects. Consider it only if cash flow is the priority over total interest paid.
What you need to know before applying.
- Soft credit pull to pre-qualify, hard pull to fund.
- Online application takes about 7 minutes. Decision same day.
- The loan is unsecured — not a lien against your house.
- Most plans have no prepayment penalty.
- HELOCs may be cheaper than contractor financing for larger projects. We'll tell you when that's the case.