Don't Let Money Stand Between You and a Safe Roof
A leaking roof doesn't wait until you've saved $15,000. Every month you delay, water damage compounds — turning a $1,200 repair into an $8,000 ceiling-and-drywall restoration. Roof financing exists specifically because insurers and lenders understand this: a roof isn't a luxury purchase. It's essential structural protection. Proof Construction partners with multiple national lenders to offer financing that fits your budget — including 0% interest plans, long-term fixed-rate loans, and in-house payment arrangements. Pre-qualification takes 60 seconds. It doesn't affect your credit score. And once approved, your new roof can be installed within 1-2 weeks.
Financing Options — Find Your Plan
| Plan | Best For | Rate | Term | Est. Monthly |
|---|---|---|---|---|
| 0% Interest (Same-As-Cash) | Good-to-excellent credit (680+) | 0% APR | 12-24 months | $500-$1,250/month |
| Low Fixed-Rate Loan | Most homeowners — best value | 6.99% – 12.99% | 5-15 years | $98-$289/month |
| Bad Credit / Second Chance | Credit scores 550-679 | 9.99% – 18.99% | 5-10 years | $145-$380/month |
| Home Equity / HELOC | Homeowners with equity | Prime + 0-2% | 10-30 years | $85-$175/month |
| Insurance Deductible Bridge | Storm damage claims | 0% (short-term) | Until claim pays | $0 upfront |
60-Second Pre-Qualification
Soft credit pull only — does NOT affect your credit score. See your options instantly. No obligation. No pressure. Just information so you can make the right decision for your family.
No Money Down Available
Many of our financing programs require $0 down. You can have a new roof installed with zero out-of-pocket cost today and make affordable monthly payments over time.
Insurance Deductible Assistance
If your roof was damaged by a storm, we offer deductible bridge financing — we cover your deductible upfront and you repay when insurance reimbursement arrives.
What Does a New Roof Cost Per Month?
Here's what real homeowners pay with Proof Construction financing. These are estimates based on current rates — your exact terms depend on credit profile, loan amount, and selected term:
| Roof Type | Estimated Cost | 10-Year Fixed @ 7.99% | 15-Year Fixed @ 8.99% |
|---|---|---|---|
| Architectural Shingles (basic) | $9,000 | $109/month | $91/month |
| Architectural Shingles (premium) | $14,000 | $170/month | $142/month |
| Standing Seam Metal | $22,000 | $267/month | $223/month |
| Tile / Slate / Premium | $35,000 | $425/month | $355/month |
Rates shown are for illustrative purposes. Actual rates depend on credit profile, loan amount, term length, and lender. Zero-down options may result in higher monthly payments. Pre-qualification provides a hard rate quote specific to you.
How Roof Financing Works — 3 Simple Steps
Pre-Qualify Online
Fill out a 60-second form. Soft credit check — no impact to your score. See your rate and monthly payment instantly. No commitment.
Get Your Roof Quote
We inspect your roof, take measurements, and provide a detailed written estimate. You choose materials, colors, and any upgrades.
New Roof + Easy Payments
We install your roof — typically in 1-2 days. Your first payment isn't due for 30-60 days. No prepayment penalties. Pay off anytime.