Skip to content Unfortunately, many homeowners put off home repairs or needed upgrades for one simple reason: They don’t want to make the significant upfront investment some projects require. As a result, they continue to leave their home at risk, deal with rising energy bills, or simply not enjoy coming home every day.
But you can sidestep this entire problem when you partner with the Asbury Roofing & Siding team. In addition to expert craftsmanship, crystal-clear communication, and the kind of service only a family-owned business can provide, we also provide easy financing options for your home improvement project.
While every financing program has its own terms and requirements, most work in a similar way.
In a nutshell, financing a roofing or siding project allows you to go ahead and have the work completed without the need to make a large upfront investment.
When you choose to finance your new home improvement project with Asbury Roofing & Siding, you may have your choice of three different plans. Each offers different terms and may be best suited for homeowners in different situations.
Ideal for homeowners who’d like to pay off their new project relatively quickly, this plan may offer the lowest overall borrowing cost for homeowners who can pay the balance during the promotional period.
With this program:
Homeowners who anticipate needing more than 12 months to pay off their loan but still want a low interest rate often find this plan appealing.
With this program:
This plan is a great option for homeowners who’d like to enjoy the lowest possible monthly payment.
With this program:
While these plans differ in a few key ways, they also have several commonalities, including:
Financing can make it easier to move forward with important home improvement projects without placing unnecessary strain on your household budget. Instead of delaying needed work while saving for the full project cost, financing allows you to address issues now and spread payments out over time.
When you secure financing for your project, you’ll be able to:
Whether you’re replacing a damaged roof, upgrading outdated siding, or tackling a larger exterior renovation project, financing can provide a practical path forward while helping you protect your home and budget.
While a popular approach, financing is not the only way to fund your home improvements. You may also be able to cover the costs of your home upgrades by:
The simplest way to pay for your new siding or roof is by making a lump-sum payment upfront via cash, debit card, or check. This will allow you to avoid any interest or fees, but it does require that you have significant money on hand.
If you don’t want to apply for financing or a loan, you can use a credit card to cover the costs of your project. If you have a lower interest rate than you’d get from a personal loan or financing, this can help you save money. However, many credit cards have higher interest rates than loans.
Personal loans often have stricter eligibility requirements than contractor-offered financing programs. However, they can provide lower interest rates in some cases, particularly if you are already a customer of the bank providing the loan.
A home equity loan allows you to borrow against the equity you’ve built up in your home. This can often allow you to obtain an attractive interest rate. However, you’ll be putting your equity at risk if something unforeseen happens and you’re unable to make your monthly payments.
If your home’s roof or siding has been damaged by a covered event (such as hail or severe weather), your insurance policy may cover your project costs. However, you’ll still need to pay for the deductible yourself, which may be $5,000 or more.
Local, state, and federal loans and grant programs may be available that will help cover the costs of your home upgrades. However, finding these programs can be tricky, and navigating the application process can often be daunting.
It’s natural to have questions about financing a major home improvement project. To help, we’ve answered a few of the most common questions we hear from our clients below.
No. Financing allows qualified homeowners to spread the cost of their roofing or siding project over time through scheduled monthly payments rather than making one large upfront payment.
The application process is typically straightforward and requires some basic information about your household and finances. Once submitted, the lender reviews the application and determines your eligibility and available financing options.
In many cases, financing decisions are provided quickly. In fact, you can often receive a response within hours of submitting an application. However, approval times can vary depending on a variety of factors.
Many financing programs allow homeowners to pay off their balance ahead of schedule. Specific terms and conditions vary by program, so be sure to review your financing agreement for details.
Interest rates and financing terms may vary based on factors such as the financing program selected, your credit profile, and other information reviewed during the approval process.
In many cases, yes. Financing may be available for roof replacements, siding replacements, and other qualifying home improvement projects completed by Asbury Roofing & Siding.
Financing providers may review your credit history as part of the application process. The specific impact, if any, depends on the lender’s review process and your individual circumstances.
Putting off a roofing or siding project can often lead to bigger problems, higher repair costs, and unnecessary frustration. With flexible financing options available, you may be able to move forward with your project sooner while keeping monthly payments manageable.
Contact Asbury Roofing & Siding today to learn more about our financing options and request a free estimate.
