Roof Financing & Payment Options
A roof replacement is one of the biggest investments you will make in your home, but it does not always happen when convenient.
Whether your roof was damaged in a storm, has reached the end of its life, or you have simply decided it is time to replace it, Valley Roofing & Exteriors offers flexible financing and payment options to help make your project affordable.
We believe homeowners deserve to understand all options before making a decision. Below, you will find available financing programs, payment methods, and answers to the most common questions we receive about paying for a new roof.
Financing Options
Valley Roofing & Exteriors partners with Regions Bank USA to offer financing for qualified homeowners. Whether you are looking for no-interest promotional financing or predictable monthly payments over several years, there is an option that may fit your budget.
12-Month Same-As-Cash Financing
Perfect if you plan to pay your roof off within one year.
- 0% interest when paid in full within 12 months*
- No prepayment penalty
- Fast online application
- Credit approval required
6.99% Fixed Rate Financing — 5 Years
A great balance between low monthly payments and paying your loan off quickly.
- Fixed 6.99% APR*
- 60-month repayment term
- Predictable monthly payments
- No collateral required
- Credit approval required
9.99% Fixed Rate Financing — 12 Years
Our lowest monthly payment option.
Ideal for homeowners completing larger roofing or exterior projects who want to spread payments over a longer period.
- Fixed 9.99% APR*
- 144-month repayment term
- Lower monthly payments
- No prepayment penalty
- Credit approval required
Which Financing Option Is Right for You?
| If you… | Consider |
| Can pay the balance within 12 months | 12-Month Same-As-Cash |
| Want lower interest and can pay over five years | 6.99% Fixed for 60 Months |
| Want the lowest monthly payment possible | 9.99% Fixed for 144 Months |
Not sure which option makes the most sense? Our team can walk you through each program during your estimate.
Other Payment Options
Prefer not to finance? Valley Roofing & Exteriors accepts:
- Cash
- Personal or cashier’s checks
- Major credit cards
We will review payment expectations before work begins so there are no surprises.
Frequently Asked Questions
Why Do Homeowners Choose to Finance Their Roof?
Many homeowners assume financing means they can’t afford a roof. In reality, financing often allows homeowners to:
- Replace a leaking roof before additional damage occurs
- Preserve emergency savings
- Budget with predictable monthly payments
- Upgrade to better roofing materials
- Complete gutters, skylights, or other exterior improvements at the same time
For many families, financing simply provides flexibility.
How Long Does Approval Take?
Most financing applications can be completed online in just a few minutes.
Many homeowners receive a lending decision in approximately 5–7 minutes, although approval times vary by applicant.
Does financing affect my roofing estimate?
No. Your roofing estimate is the same whether you pay with cash or finance through our lending partner.
Can I pay my loan off early?
Most Regions Bank loan programs do not charge prepayment penalties, allowing you to pay off your balance sooner if you choose. Please refer to your loan agreement for complete terms.
Is a down payment required?
Down payment requirements vary depending on the financing program and lender approval.
Our team can explain your options before you apply.
Does Checking Your Financing Options Hurt Your Credit Score?
This is one of the most common questions we get asked, and the honest answer depends on how you check.
If you scan the QR code and prequalify online, that is a soft pull. A soft inquiry lets Regions Bank estimate what you might qualify for without touching your credit score. Check freely; a soft pull never affects your score and does not show up to other lenders.
If you call in and apply by phone with your project consultant, that is a hard pull. A hard inquiry usually costs a few points and stays on your credit report for about two years, though the effect on your score typically fades within a few months. Lenders run a hard pull because a real credit decision, not just an estimate, requires the full picture: payment history, current debt, and credit utilization.
In short: prequalify online first with no risk to your score, then move to a phone application and a hard pull, only when you are ready to move forward with financing.
The lender will explain further how the prequalification and application process work before you submit your information.
Can I finance siding, gutters, skylights, or other exterior work?
Yes. Many homeowners finance complete exterior improvement projects—not just roofing. Ask your estimator about combining projects into one financing package.
Disclosure
12 Months, 0% interest, No Minimum Payments (Regions Bank)
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of July 23, 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
