Financing a new roof
A roof is a 25–50 year investment. Here are the ways we make it affordable — from paying in full to monthly financing to working with your insurance adjuster.
Why Finance With Us
Straightforward payment options
No surprises, no bait-and-switch. Understand your payment options before you sign anything.
Flexible payment structures
Pay in full, use milestone payments, finance through a third-party lender, or coordinate with your insurance claim.
No hard sell
We explain your options before you sign. No pressure to choose a specific payment path — pick what works for your situation.
Pre-qualify without credit impact
Third-party financing pre-qualification uses a soft credit inquiry — no impact to your credit score when exploring your options.
MN §325E.66 compliant
On insurance-claim work, we follow Minnesota's Storm Damage Contractor Law — no deductible rebates, written disclosures required.
Payment Structures
Choose what fits your situation
Mix and match where it makes sense — for example, financing part of a job and paying the balance in cash.
Pay in full
Check or ACH bank transfer — no card processing fees passed to you. Customers who pay in full at contract signing receive a 1–2% discount off the total job price. No interest, no monthly payment, no financing terms to track.
Milestone payments
10% deposit at contract signing. 40% at materials delivery (typically 1–2 days before install). 50% at job completion and final walkthrough. No interest, no fees — just a payment schedule tied to project milestones.
Financing through a third-party lender
For customers who prefer monthly payments, we can connect you with a third-party financing provider. Term options typically include 6, 12, 24, and 60 months. Rates vary by credit profile. Pre-qualification uses a soft credit inquiry — no impact to your credit score.
Insurance claim pay
For storm-damage jobs where your homeowner insurance is covering the work: we coordinate directly with your adjuster, document the damage, and align our scope with the claim. You pay your deductible only — we do not waive, rebate, or absorb deductibles (MN §325E.66).
Want a monthly-payment estimate?
Use our financing estimator → — enter your roof size, pick a material, and see an illustrative monthly number. Instant results, no sign-up required.
For a binding number, request a free estimate — we inspect the roof, scope the job, and give you a written figure before any work starts.
Common Questions
Financing FAQ
- Can I finance part of the job and pay the rest in cash?
- Yes. You can split the payment — finance a portion through the lender and pay the balance in cash or ACH. Just let us know at contract signing and we will structure the invoice accordingly.
- What credit score do I need to qualify for financing?
- Requirements depend on the lender and the term length. Pre-qualification uses a soft credit inquiry, so checking your options does not affect your credit score. Approved ranges vary — the lender will confirm your rate and approval at pre-qualification.
- Can I finance an insurance-claim job's deductible?
- Usually yes. If your insurance covers the main job cost, you can finance your deductible through the same third-party financing program. Per Minnesota law (§325E.66), we cannot waive or absorb your deductible — but you can finance it separately.
- Are there prepayment penalties on the financing?
- No. You can pay off the financed balance early at any time without penalty. We recommend confirming this directly with the lender at pre-qualification, as terms are set by them, not by Silver Loon Roofing.
Questions about financing?
Call us or request a free inspection — we'll walk through the numbers with you before you commit to anything.