Roof replacement financing in 2026
Most US roofing contractors offer 0% APR for 12 to 18 months through Synchrony, GreenSky, or Service Finance. Longer terms (5 to 10 years) run 7.99% to 17.99% APR depending on credit score.
A typical US roof replacement costs around $14,400 in 2026 ($9,900 to $22,500).
Tax credits and rebates
No federal tax credit on standard re-roofs. Solar-integrated and cool-roof installs in some states qualify for utility or state rebates.
Lenders contractors typically work with
- Synchrony
- GreenSky
- Service Finance Company
- Wells Fargo Home Projects
Get a quote with financing details
Tell us your project and we'll match you with contractors who run promotional financing and know the credits and rebates in your state.
Request a financing-friendly quoteFrequently asked questions
Can I finance a roof through my insurance claim?+
Not directly. If insurance covers the replacement, they pay the contractor on a depreciated and recoverable-depreciation schedule. Financing covers your deductible and any upgrades insurance won't pay for, like an upgrade from 3-tab to architectural.
What credit score do I need for roofing financing?+
640+ qualifies for promotional 0% terms at most major lenders. 720+ unlocks the lowest standard-term APRs (typically 7.99% to 11.99%). Sub-600 scores usually route to secondary lenders at 19.99%+.
Are roofing companies' in-house plans a good deal?+
0% promotional plans are real and worth using if you can pay off inside the term. Watch for deferred-interest clauses where missed final payments retroactively charge interest from day one.