How long does financing approval take?

Most applications receive an instant decision in just a few minutes, whether you apply online or during your in-home inspection.

Does applying for financing affect my credit?

Applying may involve a credit check, but the impact is typically minimal and varies by individual credit profile.

What loan amounts are available?

That depends on the lender and your approval. Most roof replacements and repairs can be financed in full.

Can I pay off my loan early?

Yes. All financing options allow early payoff without penalties, giving you flexibility if your plans change.

What happens after my roof is complete?

Once your roof replacement is finished, the lender is authorized to release funds directly to us, completing the financing process.

Can I finance only a portion of the amount?

Yes. Once approved, you can choose how much you'd like to put down and finance the remaining balance based on the loan option you select.

If additional issues like rotted wood are found, can change orders be added to the loan amount?

Yes. If additional work is needed, approved change orders can typically be added to your financing so everything stays consolidated into one loan.

Drone view of a finished Roofing Army roof replacement on a Michigan ranch home

Financing

Roof Financing in Michigan

A few different lenders, long terms, low-interest and no-interest plans, $0 down and no prepayment penalty. Approval takes minutes.

5.0294 reviews

248-326-2020

Plan Options

We partner with a few different lenders, so there are options for most credit profiles and budgets. Approval takes minutes.

No interest

No-Interest Plans

Promotional no-interest terms for homeowners who prefer to pay no interest at all, with $0 down.

Low payments

Long-Term, Low-Interest Plans

Longer terms that spread a larger project into a lower monthly payment, with no prepayment penalty.

Financing options subject to credit approval. Terms and availability may vary.

Estimated Roof Price

Examples only. Rates, terms and amounts depend on the lender and your credit approval.

Example

Long term, low payment

e.g. 8.99% for 120 months

/mo

Term120 months

Rate8.99%

No interest, short term

e.g. 0% for 12 months

/mo

Term12 months

Rate0%

No interest, five years

e.g. 0% for 60 months

/mo

Term60 months

Rate0%

Apply for Financing Prefer a quick quote first? Contact us

Financing Process

Apply in minutes, choose a plan that fits your budget, and we'll take care of the rest from inspection to installation.

Apply Online or During Your Estimate

Apply online at your convenience or complete the application during your in-home inspection, where your roof inspector can help you finish it in just a few minutes.

Choose Your Financing Plan

Once approved, decide how much you'd like to put down and select the loan option that best fits your budget and payment goals.

Schedule Your Roof Replacement

Loan documents are signed digitally in minutes, we schedule your roof replacement, and once the work is complete the lender releases funds directly to us.

FAQS

Frequently Asked Questions About Financing

See All FAQs

Hundreds of Happy Customers

“Aaron performed a very thorough inspection of the roof with a well-documented report. I was provided a very reasonable quote for a new roof with many options. The whole process was transparent and professional from start to finish.”

“After getting the runaround from a couple other companies, Aaron came out and was completely straight with me about what I needed. No pressure, no scare tactics, just honest info. The crew showed up on time, did solid work, and left the place clean.”

“This was an extremely smooth process. Starting with Aaron Scott who handled the estimate, he was friendly, on time, no hard sell, just advised me of problems and gave a good price. Evan and the roofers took it from there. The clean up was excellent. I would highly recommend Roofing Army.”