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Financing and Offers

Big projects don't have to mean big upfront costs. Home improvement financing lets you move forward with roofing, siding, windows, doors, or gutters—and pay over time with monthly payment plans for home projects that fit your budget.
Whether you're dealing with storm damage that can't wait, windows that drive up energy bills, or siding that's seen better days, financing options for home improvement let you address the problem now instead of putting it off.

When Does Home Project Financing Make Sense?

Not every project needs financing. But some situations make monthly payments the smarter choice.
01.

Urgent Repairs That Can't Wait

A roof leak won't wait for your tax refund. Water damage spreads fast—what starts as a ceiling stain can turn into mold and rotted decking if you delay. Home improvement financing lets you fix urgent problems immediately and spread the cost over time.
The same goes for failed windows, damaged siding, or gutters pulling away from your fascia. These aren't cosmetic issues. Waiting costs more in the long run.
02.

Large Projects That Would Drain Savings

A full roof replacement or whole-home siding project can run $15,000 to $40,000 or more. Payingcash means depleting emergency funds or retirement savings.
Exterior home financing keeps your savings intact while letting you complete necessary upgrades.You maintain financial flexibility instead of tying up cash in your house.
03.

Energy Upgrades That Pay for Themselves

New windows and attic insulation reduce heating and cooling costs. The monthly energy savings often offset part of your financing payment. You're trading high utility bills for a home improvement payment—except the improvement adds value.
04.

Bundling Multiple Projects

Replacing your roof, siding, and gutters at the same time makes sense—crews are already there, scaffolding is up, and everything gets weatherproofed together. Home project financing options let you complete everything at once without breaking the project into phases spread over years.

How Does Home Project Financing Work?

Apply

Complete a quick application—most take 5-10 minutes. You'll provide basic personal and project information. No commitment required.

Credit Review

Your application goes through a credit review. Decisions typically come back within minutes to hours. Initial pre-qualification often uses a soft credit check that won't affect your score.

See Your Options

Based on approval, you'll see available plans with clear terms. Plans may extend up to 180 months on qualifying projects.

Schedule and Pay Over Time

Once you've selected a plan, we schedule your project. You'll know your exact monthly paymentbefore work starts. No surprises—your payment schedule is locked in from day one.

Support

Warranty protection kicks in—including our Lifetime Workmanship Warranty—and we're available for questions or service needs down the road.

Leading Exterior Home Remodelers

Description
5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
7cdcf966b8ceaef7db2e96f10519646b03a6c926-1

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
aba5f9750113c0dd5740f19634c65e43953d0857-1

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
76a3cb715f34459bb21d836552454066778af433-1

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b-1

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
3a62358ac8ae58f45dcd213dc927207dd08a0776-1

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
gutters4

What Financing Plans Are Available?

Exterior home financing spreads costs over time instead of requiring full payment upfront. Terms up to 180 months mean lower monthly payments on bigger projects.

Example Scenarios

Icon-Nov-23-2025-06-35-10-8273-AM
Roof replacement — Finance the full project with monthly payments over 12-180 months.Covers tear-off, materials, flashing, and cleanup.
Icon-Nov-23-2025-06-35-10-8273-AM
Siding + windows bundle — Combine multiple upgrades into one plan. One application, one monthly payment.
Icon-Nov-23-2025-06-35-10-8273-AM
Single-service projects — Doors, gutters, or attic insulation may qualify for shorter-term options.
Icon-Nov-23-2025-06-35-10-8273-AM
Emergency repairs — Storm damage or urgent leaks can be financed quickly.
Promotional financing for home improvement may be available during certain periods with special terms for qualified applicants.
Important: Examples only—final terms depend on credit approval and project details. Rates and payments vary by applicant.
What Affects Your Monthly Payment?
Icon-Nov-23-2025-06-35-10-8273-AM
Project size — Larger projects mean higher amounts, but longer terms keep payments manageable
Icon-Nov-23-2025-06-35-10-8273-AM
Credit profile — Your history affects available rates and terms
Icon-Nov-23-2025-06-35-10-8273-AM
Term length — Longer terms mean lower payments but more total interest
Icon-Nov-23-2025-06-35-10-8273-AM
Down payment — Putting money down reduces your financed amount

Leading Exterior Home Remodelers

Description
5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
7cdcf966b8ceaef7db2e96f10519646b03a6c926-1

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
aba5f9750113c0dd5740f19634c65e43953d0857-1

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
76a3cb715f34459bb21d836552454066778af433-1

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b-1

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
3a62358ac8ae58f45dcd213dc927207dd08a0776-1

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More

Which Projects Qualify for Financing?

5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
7cdcf966b8ceaef7db2e96f10519646b03a6c926

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
aba5f9750113c0dd5740f19634c65e43953d0857

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
76a3cb715f34459bb21d836552454066778af433

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
attic-insulation-zander

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.

Leading Exterior Home Remodelers

Description
5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
7cdcf966b8ceaef7db2e96f10519646b03a6c926-1

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
aba5f9750113c0dd5740f19634c65e43953d0857-1

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
76a3cb715f34459bb21d836552454066778af433-1

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b-1

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
3a62358ac8ae58f45dcd213dc927207dd08a0776-1

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More

Frequently Asked Questions

How long does it take to apply?
Most applications take 5-10 minutes. Decisions often come back the same day, sometimes within minutes.
Does applying affect my credit?
Initial pre-qualification usually uses a soft check that won't affect your score. Full applications typically require a hard inquiry with minor, temporary impact.
What credit score do I need?
We work with multiple financing partners across a range of credit profiles. If you're not approved for one plan, other options may be available. Pre-qualification won't hurt your credit.
Can I finance part of a project?
Yes. Home improvement financing can cover full or partial costs depending on approval. Some homeowners finance everything; others put money down and finance the rest.
What if I'm not approved?
Other options may be available. We work with multiple partners to help more homeowners qualify for exterior home financing.
Can I pay off early?
Most plans allow early payoff without penalty, but terms vary. Review your agreement for prepayment details. Paying early saves on interest.
How long are financing terms?
Terms range from 12 to 180 months depending on the project and approval. Longer terms mean lower payments; shorter terms mean less total interest.
Are offers available year-round?
Financing is available year-round. Promotional offers may apply during specific periods—[contact us](/contact/) for current availability.

Leading Exterior Home Remodelers

Description
5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
7cdcf966b8ceaef7db2e96f10519646b03a6c926-1

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
aba5f9750113c0dd5740f19634c65e43953d0857-1

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
76a3cb715f34459bb21d836552454066778af433-1

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b-1

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
3a62358ac8ae58f45dcd213dc927207dd08a0776-1

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More

Leading Exterior Home Remodelers

Description
5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
7cdcf966b8ceaef7db2e96f10519646b03a6c926-1

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
aba5f9750113c0dd5740f19634c65e43953d0857-1

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
76a3cb715f34459bb21d836552454066778af433-1

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b-1

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
3a62358ac8ae58f45dcd213dc927207dd08a0776-1

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More

Leading Exterior Home Remodelers

Description
5644c1bf4b96366482fd429c8335fa675a5fd8d7-1

Roofing

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
7cdcf966b8ceaef7db2e96f10519646b03a6c926-1

SIDINGS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
aba5f9750113c0dd5740f19634c65e43953d0857-1

DOORS

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
76a3cb715f34459bb21d836552454066778af433-1

gutters

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
25863cc69cd0d1e84611dc5f4dc9ab389e402c1b-1

windows

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More
3a62358ac8ae58f45dcd213dc927207dd08a0776-1

Attic Insulation

Our top-tier roof replacements remove old, faulty materials and keep your home functioning at its best.
Learn More

Ready to Explore Your Options?

Don't drain savings or delay necessary repairs. Home project financing options make exterior upgrades accessible—apply in minutes and see what you qualify for. Subject to credit approval. Over 10,000 customers have trusted us with their projects. We're a BBB Torch Award for Ethics recipient, and every project includes our [Lifetime Workmanship Warranty](/warranty/) and Gold Standard Protection Plan.
Gutters7
Leading exterior home remodeling experts serving Ohio and Michigan with quality craftsmanship since 2000.
Toledo
2852 South Ave Toledo, OH 43609
(419) 495-8598
Farmington Hills
23941 Research Dr
Farmington Hills, MI 48335
(248) 290-6843
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