Financing
A new roof, on a budget that works
Roofs rarely fail at convenient times. Through Regions Bank, you can PreQualify online in minutes, with terms from 12 months to 12 years, and make the decision with real numbers in hand: no guessing, no pressure.
Estimate your monthly payment
Financing through Regions Bank, Member FDIC. Fixed terms at 9.99% APR, plus a 12-month same-as-cash plan. Slide to your project amount: your itemized proposal gives you the exact number to use.
Choose a plan above to continue.
Estimates only, for planning purposes, not an offer or approval of credit. Payments shown are Regions’ disclosed monthly payment per $1,000 borrowed on each term, and assume the full approved amount is drawn. Minimum loan amounts apply and the minimum monthly payment will be no less than $50.00. Your actual rate, term and payment are determined by Regions Bank at application.
5-year: 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. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 60 monthly payments of $21.69 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
7-year: 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. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 84 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 84 monthly payments of $16.95 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
10-year: 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. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 120 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 120 monthly payments of $13.49 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
12-year: 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. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 144 monthly payments of $12.20 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
12-month same-as-cash: 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 October 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.
Our approach
How financing a roof with us works
Step 1
Get your free estimate
We inspect, recommend honestly, and put a real price on paper: that's the number you'd finance.
Step 2
PreQualify with Regions
It starts with a soft credit check, online, in minutes. Regions presents the plans and terms you qualify for directly, and the full application only follows if you want it.
Step 3
Decide with numbers in hand
Compare the monthly payment against the cost of waiting: no obligation at any step.
Step 4
We build
Once you approve, we schedule the work like any other project. Most residential roofs take one to two days on site.
Ready to see your options?
Both run through Regions Bank, Member FDIC, online, in minutes. PreQualify is a soft credit check that shows you the plans and terms you qualify for and commits you to nothing. Or go straight to the full application if you have already decided.
Both open on the plan you are reading, with your contractor details already filled in. Your rate, term and approval come from the bank, not from us.
- A 12-month same-as-cash plan is available: no payments and no interest for a year. Your Regions application shows the exact options you qualify for.
- Rates, terms, and approval come from the lender, not from us. Regions will show you exactly what you qualify for.
- We don't mark projects up to hide financing costs. The estimate is the estimate, financed or not.
- If storm damage caused this, check the insurance path first. A covered claim may change what you need to finance.
FAQ
Financing questions, answered
What does financing a roof cost?
Do I have to finance through Regions?
Can I finance a repair, or only full replacements?
Does applying affect my credit?
What if insurance is covering my roof?
Ready for a roof you don't have to think about?
Schedule a free inspection or get an instant estimate right now. Financing available through Regions Bank, with no payments for 12 months on the same-as-cash plan.