Roof Financing In Washington

Finance your roofing project with Valentine Roofing’s affordable roofing payment plan options. Roof financing is available for residential roofing projects in Washington, including Seattle, the Greater Puget Sound region, and surrounding areas in Western Washington.

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Roof financing in Seattle

Roof Financing Options

We know home improvements can be a big expense, so we offer payment plans for every budget. Valentine Roofing offers two exclusive roof financing options through our local credit union partner: 

Traditional Loan

fixed APR of 8.99%-12.99%. Repayment terms range from 24-240 months.

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Deferred Interest Loan

0% APR for 6 months with $0 down.

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roof financing options in Washington

Traditional Loan Details

Our traditional loan option comes with financing terms ranging from 24 months to 240 months. Annual percentage rates (APR) range from 7.99% to 11.99%. The APR for your loan depends on the selected financing term. See the traditional loan terms and APR options below:

Financing Terms

Annual Percentage Rate

24 months

6.99% APR

36 months

6.99% APR

48 months

7.99% APR

60 months

7.99% APR

72 months

8.99% APR

Financing Terms

Annual Percentage Rate

84 months

8.99% APR

120 months

8.99% APR

144 months

8.99% APR

180 months

9.49% APR

240 months

9.99% APR

Deferred Interest Loan Details

Eligible applicants can take advantage of our 6-month deferred interest plan with a $0 down payment and 0% interest (fixed APR of 26.99% after the deferment period).*

*On qualifying purchases with your Synchrony Bank credit card. $69 Account Activation fee may apply. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Fixed monthly payments of 2.50% of the highest balance applicable to the promo purchase until paid in full.

How to Calculate Your Monthly Roof Payment Project Cost x Factor = Estimated Monthly Payment

To calculate your monthly roof payment, multiply the total contract cost by the factor associated with your repayment term (listed below). For example, if the project cost is $10,000 and you have a repayment term of 120 months, multiply the project cost ($10,000) by the appropriate factor (0.01493) to get the estimated monthly payment ($10,000 x 0.01493 = $149.30 per month). 

Financing Term

Factor

24 months

0.0448

36 months

0.0309

48 months

0.0244

60 months

0.0203

72 months

0.018

84 months

0.0161

120 months

0.0127

144 months

0.0114

180 months

0.0104

240 months

0.0097
how to calculate your monthly roof payment

Average Roof Financing Payments in Washington (by City)

City

Est. Pay-In-Full
Cost

24-Month
Payment

36-Month
Payment

48-Month
Payment

60-Month
Payment

Bellevue, WA

$18,733 - $28,594 

$839.24 - $1,281.01

$578.85 - $883.55

$457.09 - $697.69

$380.28 - $580.46

Everett, WA

$16,113 - $23,007

$721.86 - $1,030.71

$497.89 - $710.92

$393.16 - $561.37

$327.09 - $467.04

Federal Way, WA 

$16,818 - $24,015

$753.45 - $1,075.87

$519.68 - $742.06

$410.36 - $585.97

$341.41 - $487.50

Kent, WA 

$15,607 - $23,822

$699.19 - $1,067.23

$482.26 - $736.10

$380.81 - $581.26

$316.82 - $483.59

Kirkland, WA

$16,061 - $22,933

$719.53 - $1,027.40

$496.28 - $708.63

$391.89 - $559.57

$326.04 - $465.54

Redmond, WA

$16,647 - $23,770

$745.79 - $1,064.90

$514.39 - $734.49

$406.19 - $579.99

$337.93 - $482.53

Renton, WA

$17,470 - $24,945

$782.66 - $1,117.54

$539.82 - $770.80

$426.27 - $608.66

$354.64 - $506.38

Sammamish, WA

$20,537 - $31,348

$920.06 - $1,404.39

$634.59 - $968.65

$501.10 - $764.89

$416.90 - $636.36

Seattle, WA

$13,993 - $19,980

$626.89 - $895.10

$432.38 - $617.38

$341.43 - $487.51

$284.06 - $405.59

Tacoma, WA 

$15,034 - $21,467

$673.52 - $961.72

$464.55 - $663.33

$366.83 - $523.79

$305.19 - $435.78

Bothell, WA

$16,250 - $35,000

$728.00 - $1,568.00

$502.13 - $1,081.50

$396.50 - $854.00

$329.88 - $710.50

Olympia, WA

$16,250 - $35,000

$728.00 - $1,568.00

$502.13 - $1,081.50

$396.50 - $854.00

$329.88 - $710.50

The roof financing data (above) is based on a fixed APR of 6.99% for 24 and 36-month payments and a 7.99% APR for 48 and 60-month payments; pay-in-full amounts are based on the average home size in the associated Washington city. For the most accurate info on roof financing, contact the professionals at Valentine Roofing. 

What is a Roof Loan?

A roof loan is a financial solution for homeowners or property owners seeking funds to repair, replace, or install a new roof. This specialized lending option covers expenses such as materials and labor associated with roofing projects, with repayment typically structured through manageable monthly payments.

Benefits of Roof Financing

New roofing now, pay later: Revitalize your roof at the right time without immediate financial strain – roof now, pay later.

Budget-Friendly Payments: Experience the ease of monthly payments customized to fit seamlessly into your financial plan, making roofing solutions affordable.

Safeguard Savings: Spare your savings and emergency funds from the impact of upfront roofing costs, ensuring your financial security remains intact.

Build Credit: Timely payments not only rejuvenate your roof but also contribute to building a positive credit history, fostering financial well-being.

roof financing benefits

3 Roof Financing Payment Methods

At Valentine Roofing, customers can make payments on their roof loans using three easy payment methods: Cash, Check or Debit

Different Ways to Pay For Roofing in Washington

  • Cash Payment: The most straightforward method involves paying for a new roof upfront with no interest, ensuring a hassle-free financial transaction.
  • Check: Opting for checks provides another uncomplicated, one-time payment option for roof replacements, settling the agreed-upon amount in a single lump sum.
  • Credit Card: Using a credit card for roofing expenses can yield significant benefits through rewards points and cash-back bonuses (although it may incur a convenience fee).
  • Home Equity Loan: Utilize the equity in your home as collateral for a home equity loan, functioning like a second mortgage, and repay it through fixed monthly installments over 5 to 30 years.
  • Personal Loan: Secure a personal loan from a bank or credit union to cover your roof's cost, with the interest rate and terms dependent on your credit score.
  • Insurance Claim: If extreme weather damages your roof, contact your homeowners' insurance for potential coverage, which may offset a portion or the entire cost of a new roof.
  • Roofing Company Financing: Consider roof financing options from reputable companies like Valentine Roofing in Washington. Contact us to inquire about rates or to secure approval.
  • Government-Funded Home Improvement Loans: Explore eligibility for government-funded home improvement loans through the U.S. Department of Housing and Urban Development, offering assistance in financing your roof-related needs.

Important Financing Information

  • The pre-approval amount applied for is the contract amount plus coverage for any additional construction work that could take place.
  • When the project is completed, the credit union will send loan documents to be signed for the final amount.
  • There are NO early payment penalties.
  • A minimum credit score of 640 is required.
  • We usually receive the results of the application within 24 hours.
  • In some cases, the credit union may request more information from the customer (supporting documents, additional income information, or proof of income, etc.) before sending us the result.
  • Additional fees may apply.
  • UCC terms and conditions will apply to secure the loan.

Calculate Washington Roofing Prices

Try our free Washington roof cost calculator to estimate the cost of your roofing project.

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Average roof cost for a home in Washington