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Financing Your Roof Replacement

You looked at the facts and decided it’s time for a new roof. If you’re wondering how you’ll pay for it, Pro Home Improvement knows first-hand the role a sound roof is in keeping your home comfortable and safe – which is why we want to make sure you know your options. When it comes to roof financing, you’re sure to have many questions, and we’re here with the answers.

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Transforming Homes in Southeast Michigan

Since 2006, our Michigan-based home improvement company has been dedicated to enhancing homes across the state. Specializing in siding, roofing, insulation, windows, and gutters, we pride ourselves on quality craftsmanship and excellent customer service. From small jobs to complete renovations, our experienced team is committed to exceeding your expectations. With a focus on innovation and reliability, we strive to make your home improvement experience seamless and satisfying, leaving you with a property you’ll be proud to call home.
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Can you finance a new roof?

Yes! Roof replacement is a sound expense that makes your home safer and more comfortable. Depending on the materials you choose, it can make your home more energy-efficient, raise the resale value, and  boost the curb appeal! Often, the high price tag for roof replacement keeps many homeowners from starting this kind of project. Thankfully, there are financing options available that can give you the new roof you need now.

What should I expect to pay for a new roof?

The cost of a new roof involves more than the price of shingles. You have to factor in tear-off, clean-up, pitch, how many layers the previous roof had, and the quality of materials used. For instance, a tear-off of two layers of asphalt roofing would cost less than a three-layer roof with cedar shake. However, if the first home chooses architectural slate shingles while the second home has traditional asphalt installed then the cost of the first project will surpass the second. The average roof in Michigan is estimated to cost between $2 – $10 per square foot. Generally, paying with cash or a check is not an option for the average homeowner. Most choose to finance and take out a loan to pay for the project.

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Roof Financing 101

Did you know that 80% of all home improvement projects over $5,000 involve financing? It is a common practice that lets you keep your home up to date and comfortable while not breaking the bank. The good news is that not only is financing available, but Pro Home Improvement offers multiple options. Our goal is to make getting financed a seamless part of your roofing project.

How much does it cost to finance a roof?

Financing a new roof means breaking up the cost of replacement into smaller chunks. This usually comes with the added cost of an annual percentage rate. This APR is applied to the amount due throughout the life of the loan. This additional cost is factored into your monthly payment amounts. The added cost of financing depends on the type of loan you choose and the APR. For instance, if you select a same-as-cash loan, you will not pay any additional fees. Let’s explore the options that Pro Home Improvement can offer its roofing customers. If you choose a traditional loan you will pay more the longer the term length.

Same-As-Cash Roofing Loans

Same-As-Cash loans are one of the most popular loan types available. You can get your roof financed, pay it off in small chunks, and not spend a penny more than the cost of the project. How does that work? With same-as-cash loans, if you pay off the principle within a set period, you pay no interest. This is a perfect fit for homeowners who can pay off the principal quickly they just can’t pay it off all at once.
Term Lengths: 3, 6, 12, and 18 Months

Traditional Installment Roofing Loans

Maybe the same-as-cash option won’t work for you. This does not mean we can’t help you get your roof replaced. Perhaps you will need a more traditional loan type. This won’t leave you getting hit with a high interest rate. We offer great reduced-interest loans that can empower you to fix up your home now and pay it off over the next 5-12 years.
Term Lengths: 5-12 Years

Get your new roof

For the cost of a cup of coffee

Finance your roof for the cost of a cup of coffee a day!

We’ve been talking about financing your roof and using words like APR and term lengths, but you may be wondering…what are the actual payments like? We provide some examples below to help you understand what the impact on your budget could be. The average cost of a cup of coffee in America is $2.70 and, even for large projects, we can get you financed at a cost less than that!

Small Project


Project Cost


Term Length

5 Years

Daily Cost


Medium Project


Project Cost


Term Length

10 Years

Daily Cost


Large Project


Project Cost


Term Length

12 Years

Daily Cost


XL Project

Multiple Projects

Project Cost


Term Length

12 Years

Daily Cost


Can you pay for a new roof with a credit card?

Financing with a loan isn’t the only option for homeowners without the cash available to pay for the project outright. Another option is to use credit cards to pay for your new roof. Depending on your credit card company and the percentage rate on the card this could be a better option than the loans available. Not to mention all those rewards points! Pro Home Improvement accepts all major credit cards.

Talk to a roofing expert!

Pro Home Improvement is dedicated to making your home improvement project a reasonable expense. If this requires financing we can work with you to get the project funded and completed without a large hassle and without leaving you with a high monthly payment. Want more info on roof financing or need to schedule an estimate? Contact us today and one of our roofing experts will discuss your options and set up an appointment for us to visit with you at your home and provide a full estimate valid for one year! Call or text us today at (248) 556-5839 or visit our estimates page to fill out a contact form.