What credit score do I need?

We work with a range of credit profiles. The application takes about two minutes and starts with a soft inquiry, so checking your options won't affect your score.

Are payments as low as $99 a month real?

Yes — payments as low as $99/month are available on approved credit, depending on your roof's price and the term you choose. Your quote will show your exact options in writing.

Is there really $0 down?

Yes. Qualified buyers put nothing down — payments begin after installation is complete.

Can I pay the loan off early?

Ask about early payoff with your options — we'll put the terms in writing before you sign anything.

Should I finance or use insurance?

If storm damage caused the problem, we check your insurance path first — many customers end up paying only their deductible. Financing is for roofs insurance won't cover.

Does financing change the price?

No. Your factory-direct price is your price, cash or financed.

240.270.6705

Roof financing, made simple

A new roof for

as low as

$99 a month

Your roof doesn’t care what the budget looks like this year. Ours makes it not matter: $0 down, payments as low as $99/month, and factory-direct pricing that means you’re financing a smaller number in the first place.

$0 down · As low as $99/mo · Subject to credit approval

240.270.6705

*Financing subject to credit approval and provided by third-party lenders unaffiliated with Roofing Direct LLC. Savings estimates based on comparison with traditional multi-tier roofing distribution; individual results vary. License #: TBD

Down Payment

As low as$0

Per Month

Minute Application

Max Direct Savings

Finance a smaller number.

Here’s what other roofers don’t say about financing: you’re paying interest on their markup. Finance a $20,000 middleman-priced roof and you’re borrowing $13,000 of pure distribution cost. Finance a factory-direct roof and the loan itself shrinks — before a single payment is made.

Their financed price$20,000

$13,000

$7,000

Markup you’re borrowing

Your direct price$7,000

$7,000

What you actually finance

How financing works

Step 01
Get your direct quote
Free, instant, no obligation — know your real number first.
Step 02
2-minute application
Apply by phone or with your quote. Soft inquiry to see your options.
Step 03
Pick your payment
Choose the term and monthly payment that fits your budget.
Step 04
We install
Roof goes on in 1–2 days. Payments start after — not before — the work is done.

Start with your free quote

Why finance your roof now

Leaks don't wait

Roof damage compounds — decking rot, insulation, interior damage. A roof at as low as $99 a month today beats a $40,000 interior repair next spring.

Protect your home's value

A new roof is consistently one of the highest-ROI improvements at resale — and the first thing inspectors flag.

Keep your cash

Emergency funds are for emergencies. Financing lets your savings stay saved while the roof gets done.

Storm damage? You might not need financing at all.

If wind or hail did the damage, your homeowner's insurance may cover the replacement — worst case, you pay only your deductible. We check before you borrow a dollar.

How Insurance Claims Work

Homeowners are catching on

Real people. Real roofs. Real savings.

“I'm a roofing company owner, and I couldn't get my own roof approved through insurance. I reached out to Roofing Direct because of their expertise and direction — and they were awesome. They got the roof approved by my insurance company on the very first appointment. If you ever need to file an insurance claim on your roof, Roofing Direct is the only call to make. Take it from a very satisfied roofing company owner.”

Ryan Mitchell

Roofing Company Owner

“We had three other companies out before these guys. Roofing Direct came in almost nine thousand less than the highest bid, for the same architectural shingle. I kept waiting for the catch and there wasn't one.”

Michael Carter

Google

“No four-hour kitchen-table sales pitch, which is exactly why I called them. I got a straight number, they explained where the savings actually come from, and nobody pressured me to sign that night.”

Emily Parker

Google

1 / 4

Financing questions, answered straight

Stop overpaying for your roof. If insurance covers it, don’t pay for it at all.

Get your free, no-obligation quote today.

Or call 240.270.6705