We get it. A new roof is a big investment.
You're looking at $10,000–$30,000+ depending on size, materials, and whether you want storm-protection upgrades. That's real money.
Here's the truth: Your roof won't wait.
That leak you're ignoring? It's getting worse. Every rainstorm dumps more water into your attic, rotting the wood, soaking the insulation, creating mold you can't see yet.
K&D partners with top-tier lenders to offer financing options that make sense for real families.
Financing Options
0% Interest for 12 Months
Pay it off in a year with zero interest. No catches.
How it works:
- ✓Borrow $5,000–$55,000 (approved credit)
- ✓0% APR for 12 months (no interest if paid in full within 12 months)
- ✓Low monthly payments during promo period
- ✓After 12 months, standard rates apply to remaining balance
Example:
$12,000 roof = $1,000/month for 12 months. Done. No interest paid.
Low Monthly Payments (Extended Terms)
Spread it out over 5–10 years. Keep your monthly budget intact.
How it works:
- ✓Borrow $5,000–$100,000+
- ✓Terms up to 10 years (120 months)
- ✓Fixed monthly payments (no surprises)
- ✓Rates as low as 6.99% APR (approved credit)
Example:
$18,000 roof at 7.99% APR over 7 years = approx. $265/month
Same-Day Approvals
Get an answer today. Start your project this week.
How it works:
- ✓Approvals happen within minutes
- ✓Quick online application (3–5 minutes)
- ✓Instant decision
- ✓Start your project within 3–5 days
Example:
Apply online, get approved, schedule your roof—all in one day.
Frequently Asked Questions
What credit score do I need?
We work with multiple lenders, so options are available for a range of credit scores. Generally, 650+ qualifies for our best rates, but we've secured financing for customers with scores as low as 600. Apply and see—no hard pull until you accept an offer.
Are there prepayment penalties?
No. Pay it off early, pay it off late, pay it off on schedule—no penalties, no fees. Your loan, your timeline.
Can I finance if I'm still waiting on my insurance check?
Yes. Many customers finance the project upfront and use their insurance payout to pay down or pay off the loan. We'll work with you on timing.
How long does approval take?
Most applications are approved within minutes. You'll get an instant decision online, and we can start your project as soon as materials arrive (usually 3–5 days).
Your Roof Won't Fix Itself.
No pressure. No gimmicks. Just honest roofing from a local company that's been here since 2017.
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