Financing
Every plan, with its true total cost
Most financing pages show you a monthly payment and hide the rest. Below is each plan computed on the same example — a $14,500 asphalt replacement (an average valley roof) — including exactly how much interest you'd pay. Pick with your eyes open.
Financing plans compared on the same example roof
| Plan | Monthly payment | Total paid | Total interest |
|---|---|---|---|
| 12-month, true 0% | $1,208 / mo | $14,500 | $0 |
| 36 months @ 7.99% APR | $454 / mo | $16,355 | $1,855 ≈ 13% of the roof again |
| 60 months @ 9.99% APR | $308 / mo | $18,481 | $3,981 ≈ 27% of the roof again |
| 120 months @ 11.49% APR | $204 / mo | $24,454 | $9,954 ≈ 69% of the roof again |
Real amortization math, not marketing math: payment = P·r ÷ (1 − (1+r)−n) at the plan's APR. Your quote's number replaces the example the moment you have one — the calculator shows a live 60-month payment as you configure.
The honest version of each
What we'd tell you across the kitchen table
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12-month, true 0%
Same as cash. Real 0% — not a deferred-interest trap.
Many '0% for 12 months' offers are deferred interest: miss the payoff date and 26.99% back-dates to day one. Ours doesn't. If month 10 arrives and the balance won't clear, we'll move you to the 36-month plan before the window closes — no penalty, no back-dated interest.
On the example roof: $1,208/mo · total $14,500
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36 months @ 7.99% APR
The plan most families pick — modest interest, done in three years.
On a typical $14,500 roof you'll pay about $1,855 in interest over the term. That's the real number — it's in the table below, not in the fine print.
On the example roof: $454/mo · total $16,355
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60 months @ 9.99% APR
Lower payment, five-year term.
Interest on the example roof runs about $3,981 — roughly 27% of the roof again. Sensible if the monthly number is what matters; the 36-month plan is cheaper money if you can carry it.
On the example roof: $308/mo · total $18,481
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120 months @ 11.49% APR
The smallest payment we offer — and the most expensive money.
Full honesty: on the example roof this plan costs about $9,954 in interest — you'd pay roughly 69% of the roof's price again. We offer it because sometimes a leaking roof can't wait for a better balance sheet, but if you ask us, we'll tell you to pick a shorter term.
On the example roof: $204/mo · total $24,454
The fine print, in large print
Three things most contractors put in 8-point grey
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Financing is provided by a third-party lender, subject to credit approval. We're roofers, not a bank — the lender's terms sheet governs, and we'll read it with you.
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Our price is the same whether you pay cash, card or financing. The 0% plan costs us a lender fee; we absorb it rather than padding the 'cash discount' games some contractors play.
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No payments are collected before work starts beyond the material deposit (10% max). Any contractor asking you to finance the full job before a shingle moves is waving a red flag.
Free estimate
Get the real number first — then pick the plan
The calculator gives you an honest range and a live 60-month payment. The free measure turns it into a fixed quote you can finance.
State roofing contractor license #ROOF-041877 · $1,000,000 surety bond · 15-year workmanship warranty