How long can you finance a roof for?

Many homeowners opt for a 120-month term or even longer, although loan terms can vary between lenders. Choosing a shorter loan term may result in lower interest payments, while longer terms offer the advantage of more affordable monthly payments.

Can roofers offer a payment plan?

Some independent roofing contractors may offer payment plans; it's best to inquire with your company representative to explore options for making your roof replacement more cost-effective. Payment plans can vary.

Will my insurance pay for a new roof?

It might be applicable in the case of damage caused by severe weather, but factors such as your insurance policy and the cause of the damage will influence eligibility. Contact your roofer to assess the damage and collaborate with your private adjuster for guidance.

Roof Financing Options

Flexible Financing for Your Roofing Project

At Advanced Roofing Systems Inc, we offer flexible financing options through Service Finance to make your roofing project more accessible. The application process is simple and secure, with a soft credit check that won’t impact your credit score. Whether you're facing an urgent repair or planning a full roof replacement, our financing is designed to be fast, hassle-free, and tailored to your needs. You can apply online at your convenience or schedule a meeting with one of our team members for personalized assistance. Once approved, your funds can be used toward any necessary roofing services. It’s just one more way we help you protect your home without the financial stress. Reach out to us today to learn more.

How to Apply for Financing

Click here to get started applying online. The application includes a soft credit check that won’t affect your credit score. You’ll receive personalized monthly payment options in minutes—no home equity required and no prepayment penalties. With Service Finance, you can expect:

Loan amounts up to $100,000
Funding within 1–3 days
Flexible, cost-effective monthly payment plans
No penalties for early payoff
No home equity needed

Once approved, your financing can be used for any of our services, including:

Roof repairs
Roof replacement
Fascia replacement
Attic ventilation

Prefer to speak with someone directly? We’re happy to help. Contact us to schedule an in-home estimate or office visit.

Understanding Roofing Costs

The cost of a new roof can differ, as it is influenced by various factors, including:

Roof size and complexity
Materials used (shingles, metal, or tile)
Contractor chosen, as labor rates vary
Your geographical location

These factors make it challenging to budget for and anticipate the expenses of a roofing project, highlighting the usefulness of roof financing.

How to Apply for Financing

At ARSI, we recommend that all homeowners carefully examine the details before commencing their roofing project. Here are some fundamental terms commonly used by lenders:

Principal: total amount of money borrowed at the loan's inception
Interest: cost of the loan in addition to the principal amount.
Term: indicates the duration within which you must repay the loan, usually expressed in months or years
Annual percentage rate (APR): determines the cost imposed by the lending company for borrowing money
May or may not include fees
Does not factor in the compounding effect of interest (which often compounds monthly
Serves as a valuable tool for comparing different loan products

Reach out to us with any questions.

Why Financing Is a Good Idea

Many homeowners delay roof repairs or replacements until visible damage or severe weather forces action like high winds or fallen branches, causing sudden leaks or structural issues. While setting aside funds for roof maintenance is ideal, unexpected emergencies often catch homeowners off guard. Even with insurance coverage, deductibles or upgrades to higher-quality materials can lead to out-of-pocket costs. That’s where financing comes in. Financing can benefit you for a variety of reasons:

Low monthly payments: avoiding the need to pay thousands upfront
0% interest options: plans offering six months of no interest and no payments
Deferred payment plans: postpone payments for a set time, then begin regular payments at a fixed interest rate.
Fast, hassle-free approval: no lengthy paperwork or waiting periods, with most applicants receiving approval within minutes

Get in touch with our team today to learn more about how you can finance any roofing project we take on.

How long can you finance a roof for?
Many homeowners opt for a 120-month term or even longer, although loan terms can vary between lenders. Choosing a shorter loan term may result in lower interest payments, while longer terms offer the advantage of more affordable monthly payments.
Can roofers offer a payment plan?
Some independent roofing contractors may offer payment plans; it's best to inquire with your company representative to explore options for making your roof replacement more cost-effective. Payment plans can vary.
Will my insurance pay for a new roof?
It might be applicable in the case of damage caused by severe weather, but factors such as your insurance policy and the cause of the damage will influence eligibility. Contact your roofer to assess the damage and collaborate with your private adjuster for guidance.