Roof Financing in Arizona

A new roof is a big expense, and it rarely arrives on a convenient schedule. A monsoon storm, a tile roof whose underlayment has given out, or a sale that depends on the roof can all force the decision. Arizona Roofers offers roof financing through GoodLeap, with terms of up to 15 years and a 12-month no-interest option, so you can fix the roof now and spread the cost.

Most Arizona roof replacements cost about $9,000–$28,000 depending on size and material (see our Arizona roof replacement cost guide). Financing turns that into a monthly payment. Below is how it works with us, how it compares with other ways to pay, and what to check before you sign.

Roof financing with Arizona Roofers

All financing is subject to the lender’s credit approval, and rates and terms depend on your credit profile. We walk you through the options when we give you your price.

How it works

1. Free inspection and written price. We inspect your roof, photograph it and give you an itemised estimate, so you know exactly how much to finance.
2. Apply with GoodLeap. We help you through the application and you see your approval and terms before you commit.
3. Pick the plan that fits. Choose a longer term for a lower payment, or the 12-month no-interest option if you can pay it off quickly.
4. We build your roof. Licensed crews, permits where your city requires them, and a final walkthrough.

What a financed roof looks like per month

As a simple illustration, a $15,000 roof spread over 180 months (15 years) is about $83 a month before interest. Interest adds to that, depending on your rate. The same roof over 12 months with no interest is $1,250 a month. Your lender gives you the exact payment, rate and total cost before you sign.

To get a ballpark for your own roof first, use the roof replacement cost calculator, or for smaller jobs the roof repair cost calculator.

Other ways to pay for a roof

Home equity loan or HELOC

Borrowing against your home through your bank can mean a lower rate, but your home is the collateral and approval usually takes longer. Worth considering if you have equity and time.

Personal loan

Unsecured and often quick to fund, usually at a higher rate than home equity. Compare the APR with contractor financing.

Homeowners insurance

If wind, hail or a fallen tree damaged the roof, your policy may pay for the covered damage, minus your deductible. Wear and age are not covered. Our roof insurance claim help guide explains the process.

Credit cards

Fine for a small repair you can pay off quickly. Too expensive for a full replacement at standard card rates.

Cash

No interest at all. If you have the savings, it is the cheapest way to pay.

Repair, recoat or replace first?

Financing makes sense for a roof that truly needs replacing. Many Arizona roofs do not. A leak from a cracked tile or failed pipe boot is a repair, and a foam roof often needs a recoat rather than a new roof. Our free roof inspection tells you which, with photos, before you borrow anything. If the roof does need replacing, see our roof replacement service.

What to check before you sign any roof loan

• The APR and total cost, not just the monthly payment.
• Promotional terms: what happens if a no-interest balance is not paid off in time.
• Prepayment: whether you can pay early without a penalty.
• Cash vs financed price: ask for both in writing so you can compare.
• The contractor’s license: look up any roofer at roc.az.gov before you sign.