Roof & Siding Financing

Combine your roof replacement and vinyl siding work into one project with monthly payments that fit your budget. Roof and siding financing lets you tackle both upgrades together—one estimate, one application, one project timeline.

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When Does Roof and Siding Financing Make Sense?

Most homeowners don't plan to replace their roof and siding at the same time. But when both need attention, bundled exterior project financing can simplify the process and reduce overall disruption to your home.

Roof and siding work often connects. Your siding trim meets your roofline. Fascia boards and soffit panels sit right where roofing ends and siding begins. Water management depends on both systems working together. When you finance roof and siding as one project, you address those connections in a single scope rather than piecing things together over multiple years.

Bundling makes sense when:

Your roof and siding are approaching the same age and showing wear

You want to stage exterior disruptions once instead of twice

Trim, soffit, or fascia issues span both roof and siding scope

You're planning a complete exterior refresh for curb appeal or resale

If you're only addressing one system, our dedicated roof replacement and siding replacement pages cover those individual scopes.

What Can You Finance Together?

Whatever is documented in your written estimate is what's financed. Roof and siding financing covers the full bundled scope—not just materials, but the complete project as quoted.

This approach keeps things simple. You're not financing "roofing" and "siding" separately. You're financing one exterior project that happens to include both systems.

Typical roof scope includes:

Tear-off and disposal of existing roofing

Decking repairs or replacement (if needed)

Underlayment, flashing, and ventilation

New shingles or metal roofing panels

Typical siding scope includes:

Removal of existing siding

Housewrap and weather barrier

New vinyl siding panels

Trim, soffit, fascia, and all the finishing pieces that cover edges and corners

For details on financing a single service, see our roofing financing and siding financing pages.

Home improvement financing for roof and siding covers everything in your documented estimate. If scope changes after your initial consultation—say, we find additional decking damage during tear-off—we'll discuss the adjustment before proceeding.

What Affects Your Monthly Payment?

Monthly payments for roof and siding depend on several factors. Understanding these helps you plan before your consultation.

Project Total

The combined cost of your roof and siding work. Larger scopes mean higher totals, which affects payment amounts regardless of term length.

Down Payment

If you choose to pay a portion upfront, that reduces the amount financed. No down payment is required, but it's an option if you want lower monthly payments.

Term Length

Longer terms spread payments over more months. We offer roof and siding payment plans with terms up to 180 months. Shorter terms mean higher monthly payments but less total interest.

Credit Profile

Your approval and specific terms depend on your application. We can't guarantee rates or approval, but the process is straightforward and most decisions happen quickly.

Scope Add-Ons

If your estimate includes ventilation upgrades, extensive decking work, or full soffit/fascia replacement, those add to the project total. Only what's documented in your estimate is financed—no surprises.

How Can You Estimate Your Project Range?

Before your consultation, use our calculators to get a ballpark estimate for each system. These tools help you understand rough costs so you're not walking in blind.

Keep in mind: calculators provide estimates based on general inputs. Your actual project total comes from on-site inspection and documented scope. Roof pitch, square footage, siding style, and any repairs all factor into final pricing.

Use both tools, add the results together, and you'll have a rough sense of your bundled exterior project financing range.

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Ready to Discuss Roof and Siding Financing?

Schedule a combined estimate for your roof and siding project. We'll measure both scopes, document everything, and walk you through financing options for exterior remodeling during your consultation.
Our team walks you through every step—from estimate to approval to installation. Over 10,000 homeowners have completed projects with us. Every project includes our Lifetime Workmanship Warranty and Gold Standard Protection Plan.

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