Roof Payment Plans

Flexible Roof Financing Options

Get a New Roof with Simple, Stress-Free Financing

Whether you need a full roof replacement or leak repairs, our flexible financing options make it easier to get the work you need done now and pay over time.

Low-Interest, Long-Term Loans

The Roof Guys offers financing through Service Finance with fixed-term installment loans that can be structured over 10 or 15 years. These loans provide a set payment schedule and a fixed interest rate, which can make larger projects easier to budget for over time.

No Interest, No Payments
(Same-as-Cash)

Promotional financing with a deferred-interest period of up to 24 months is also available. With this option, you can make no monthly payments during the promotional period, and no interest is charged if the balance is paid in full before the promo ends (terms vary by approval).

PACE Home Equity Financing

The Roof Guys is a registered contractor with HomeRun Financing through Florida’s PACE program. PACE is a state-approved way to fund eligible home upgrades by placing an assessment on the property, which is repaid through your property taxes over time. It’s designed differently than a conventional loan and often doesn’t require a traditional credit check.

SELF Financing

SELF is a nonprofit, community-based lender that offers affordable financing options for roofing, energy efficiency, and climate resilience upgrades. Loans are available to all homeowners regardless of income or credit score, making it easier to invest in long-term home improvements.

The Roof Guys is an approved contractor in the My Safe Florida Home network. If eligible, this state program may help Florida homeowners receive grant funds up to $10,000 pay for approved storm-resistance upgrades after completing a wind mitigation inspection. If your project requires a homeowner match or includes costs exceeding the grant amount, you may be able to combine the grant with our financing options to cover the difference.

Roof Financing Plans

No Interest, No Payments for Up to 24 Months (Same-as-Cash Financing)

For homeowners looking for maximum flexibility, this plan allows you to complete your roofing project now and pay later—without interest or monthly payments.

 

  • 0% interest if paid in full within the promotional period (6, 12, or 24 months).
  • No monthly payments required during the promotional period.
  • If the balance is not paid in full by the end of the term, it transitions into a fixed monthly installment loan at a standard interest rate.

 

Perfect for: Homeowners who need a new roof now but want extra time to save or arrange funds before making payments.

Deferred Interest with Minimum Monthly Payments

A smart option for homeowners who want more time to pay while keeping interest costs low.

 

  • 12 or 18 months deferred interest with minimum monthly payments
  • Make small minimum monthly payments during the promotional period
  • Pay off the loan before the term ends to avoid interest charges
  • If a balance remains after the deferred period, interest is retroactively applied to the original amount

 

Best for: Homeowners who want to spread out payments but plan to pay off the loan before interest kicks in.

Reduced Interest Loans

We understand that financing a roof can be a significant investment, which is why The Roof Guys partner with you to make your new roof more affordable by offsetting some of your costs.

  • Reduced interest loans offered for 120 or 180 months
  • Lower interest rates than traditional financing options, making monthly payments more manageable.
  • The Roof Guys help offset the cost of interest, ensuring that your financing plan is as budget-friendly as possible.
  • Flexible loan terms allow you to choose a repayment schedule that works for your financial situation.
  • No hidden fees—transparent financing with clear terms.

By working directly with our financing partners, we help secure better rates so you can invest in a high-quality roof without overpaying on interest.

Ideal for: Homeowners who want an affordable, long-term financing solution with predictable, lower monthly payments.

SELF Financing

SELF offers affordable, fixed-rate loans with flexible terms and no minimum credit score requirement. Their mission is to expand access to clean energy and home improvements for families who may not qualify for traditional financing.


Highlights of SELF Financing:

  • Fixed interest rates
  • Terms up to 10 years
  • No minimum credit score
  • No income limits
  • No pre-payment penalties
  • Fast, friendly approval process
  • Supports roofing, solar, insulation, hurricane hardening, and more


Whether you’re replacing your roof or making your home more energy-efficient, SELF provides a responsible and inclusive financing path to help you get the job done right with The Roof Guys by your side every step of the way.

Why Finance Your Roof Installation with The Roof Guys?


  • Quick & Easy Approval – Fast, hassle-free online application with fast decisions.
  • Flexible Payment Plans – Choose from short-term interest-free promotions or long-term low-interest loans.
  • No Prepayment Penalties – Pay off your loan early at any time with no extra fees.
  • Trusted & Certified – We are a GAF Master Elite® Contractor, a GAF President’s Club Award Winner, and an Owens Corning Preferred Contractor, ensuring top-tier workmanship and quality.

Whether you need emergency roof repairs, storm damage restoration, or a full roof replacement, we offer financing solutions that keep your home protected without draining your savings.

Special Offers

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