Roofing Companies with Payment Plans Near Me

Your roof is leaking, shingles are missing, and you just got a quote that made your stomach drop—$15,000 for a full replacement. But here's the reality: most homeowners don't have that kind of cash sitting in their savings account.

The good news? You don't need to. Payment plans make quality roofing affordable, allowing you to protect your home now and pay over time. At Allied Siding and Roofing, we offer flexible financing through our trusted partners, GreenSky and GoodLeap—making it easy to fit your new roof into your budget, even if you're worried about your credit score.

As a CertainTeed ShingleMaster certified contractor serving Metro Detroit since 1997, we specialize in professional asphalt shingle installation backed by both our 10-year workmanship warranty and CertainTeed's 50-year SureStart Plus manufacturer warranty. When you combine this level of certified quality with affordable financing, you get the best of both worlds: expert installation by licensed roofing contractors and manageable monthly payments.

In this guide, we'll walk you through everything you need to know about roofing financing: how to choose between repair and replacement, what credit score you need, how to avoid hidden fees, and most importantly—how our financing options through GreenSky and GoodLeap can help you protect your home today.

Understanding Your Roofing Situation: Emergency vs. Planned Replacement

Most roof replacements fall into two categories: planned upgrades and emergency repairs. If you're dealing with sudden storm damage or a major leak, you'll need financing with fast approval—our partners at GreenSky and GoodLeap offer same-day decisions to help you act quickly. However, if you're planning ahead because your roof is aging or showing wear, you have the luxury of time to shop for the best financing terms, compare options, and even improve your credit score before applying.

The best part? With soft pull pre-qualification (more on this later), you can explore your payment options through our financing partners without impacting your credit score—giving you the freedom to make informed decisions without risk.

Types of Roofing Financing Options Available

When it comes to financing your roof, you have several paths forward. At Allied Siding and Roofing, we've carefully selected GreenSky and GoodLeap as our financing partners because they offer flexible monthly payments, user-friendly applications, and options for homeowners across the credit spectrum. Here's how each option works:

GreenSky Financing Through Allied Siding and Roofing: Deferred Interest Promotions

When you choose to finance your roof through Allied Siding and Roofing, one option we offer is GreenSky financing, which stands out for its deferred interest promotions—meaning you pay zero interest if you pay off the balance in full within the promotional period (typically 12, 18, or 24 months). Their mobile app makes approval fast (often within minutes), and you can track your payments, view your balance, and manage your account from anywhere.

Here's how it works: Let's say you finance a $15,000 roof through us using GreenSky's 18-month no-interest promotion. If you pay $833 per month for 18 months, you'll pay zero interest—saving you potentially thousands of dollars. However, there's an important catch: if you don't pay off the full balance by the end of the promotional period, interest charges apply retroactively to the entire original loan amount.

GreenSky offers loan amounts from $1,000 to $55,000 and typically requires a credit score of 640 or higher. This option is best for homeowners who can afford higher monthly payments to avoid interest altogether and plan to pay off their roof quickly.

Why we chose GreenSky: Their mobile app makes it incredibly easy for our customers to get approved on-site during consultations, and the deferred interest option helps budget-conscious homeowners save serious money if they can commit to the payoff timeline.

GoodLeap Financing Through Allied Siding and Roofing: Energy-Efficient Home Upgrades

The second financing option we offer through Allied Siding and Roofing is GoodLeap, which specializes in home improvements that reduce energy costs—making them a perfect fit for modern roofing projects. Their paperless, fully digital application process is fast and environmentally friendly, with flexible terms ranging from 5 to 20 years. This means significantly lower monthly payments compared to shorter-term loans.

Here's an example: That same $15,000 roof financed through our GoodLeap partnership over 10 years could cost you only $150-$200 per month (depending on your APR and credit score)—far more manageable for families on tight budgets.

GoodLeap has more flexible credit requirements, typically approving homeowners with credit scores as low as 600. Plus, their focus on energy efficiency means your new roof could qualify for energy tax credits (consult a tax professional to confirm eligibility). Modern roofing materials like metal roofs, cool-roof shingles, and proper ventilation all reflect heat and lower cooling costs—benefits that align perfectly with GoodLeap's mission.

Why we chose GoodLeap: Their paperless process means faster approvals, and their flexible terms make monthly payments affordable for families on any budget. If you need lower payments spread over more years, our GoodLeap financing option is your answer.

The "Soft Pull" Advantage: Check Your Options Without Hurting Your Credit

Here's something many homeowners don't know: you can check your financing options through Allied Siding and Roofing without damaging your credit score. This is called a "soft pull" or soft credit inquiry.

A soft pull is a pre-qualification check that shows you estimated loan amounts, interest rates, and monthly payments—all without any commitment and without impacting your credit score. This differs from a "hard pull," which happens when you formally apply for credit and can temporarily lower your score.

How it protects you: You can compare our GreenSky and GoodLeap financing options side-by-side without multiple credit inquiries hurting your score. You'll know your budget before committing to anything.

Our process: When you meet with Allied Siding and Roofing for a free estimate, we can help you pre-qualify for financing through both GreenSky and GoodLeap using soft pulls only. This way, you see all your options before making any decisions—and your credit score stays protected during your research phase.

Pro Tip: Always ask if a lender does a soft pull for pre-qualification. It's your right to shop around without credit damage.

Other Financing Options to Consider

While we primarily recommend GreenSky and GoodLeap, here are other financing routes some homeowners explore:

Personal Loans (Banks/Credit Unions): These unsecured loans offer competitive rates for those with good credit, but they require shopping around separately from your roofing contractor.

Home Equity Loans/HELOCs: These secured loans use your home as collateral and offer lower interest rates, but they come with longer approval processes and put your home at risk if you can't repay.

Credit Cards: With interest rates of 18-25% or higher, credit cards should only be considered for small repairs under $3,000.

Why we recommend GreenSky and GoodLeap instead: Specialized home improvement financing offers better rates than credit cards, faster approval than HELOCs, and the convenience of one-stop shopping with your roofing contractor.

Bottom Line: Both are excellent options. GreenSky is ideal if you can pay off your roof within 12-24 months. GoodLeap is perfect if you need smaller monthly payments spread over more years.

Why Allied Siding and Roofing: CertainTeed ShingleMaster Certification Matters

When you're financing a major investment like a new roof—potentially making payments for years—you want absolute confidence that you're working with qualified roofing contractors who will do the job right. That's where our CertainTeed ShingleMaster certification makes all the difference.

What is a CertainTeed ShingleMaster Contractor?

Allied Siding and Roofing is proud to be a CertainTeed ShingleMaster certified contractor—an elite designation that only about 1% of roofing contractors in North America achieve. This isn't just another marketing badge; it's a rigorous certification program that requires:

Professional Training and Expertise: Our team has completed extensive training in proper asphalt shingle installation techniques, including advanced flashing methods, ventilation requirements, and industry best practices. We stay current on the latest roofing technologies and building codes through ongoing education requirements.

Proven Track Record: CertainTeed doesn't hand out ShingleMaster status easily. We've demonstrated consistent quality workmanship, customer satisfaction, and professional business practices over many years. Our portfolio of completed roofing projects speaks to our expertise.

Strong Business Practices: ShingleMaster contractors must maintain proper licensing, comprehensive insurance coverage, and solid financial stability. This protects you as a homeowner—you're working with a legitimate, established business, not a fly-by-night operation.

Commitment to Excellence: We're committed to upholding CertainTeed's high standards on every single roof replacement project, whether it's a small repair or a complete roof installation.

Why This Matters for Your Financing Decision

When you finance a roof through Allied Siding and Roofing, you're not just getting affordable monthly payments—you're investing in certified quality that protects your financial investment. Here's why this matters:

Your Warranties Are Protected: CertainTeed's enhanced warranties, including the 50-year SureStart Plus coverage, are only available through certified ShingleMaster contractors. If you finance through a non-certified contractor, you won't get access to these industry-leading warranties.

Your Investment Is Secure: Improper installation is the leading cause of premature roof failure. When you're making monthly payments on a roof for 5, 10, or even 20 years, you need confidence that the roof will actually last. Our certified installation ensures your financed roof will protect your home for its full expected lifespan of 30-50 years.

Your Financing Makes Sense: Why finance a roof that won't last? Our ShingleMaster certification means you're financing quality craftsmanship, not quick shortcuts. Every dollar of your monthly payment is funding a roof installed to the highest industry standards.

Peace of Mind: When you're committing to years of monthly payments, you deserve peace of mind. Our certification proves we have the training, experience, and accountability to deliver exceptional results.

Understanding Your Comprehensive Warranty Coverage

One of the most valuable aspects of financing your roof through Allied Siding and Roofing is the comprehensive warranty protection you receive. Unlike many roofing contractors who offer minimal coverage, we provide double protection through two separate, complementary warranties.

Allied Siding and Roofing's 10-Year Workmanship Warranty

We stand behind every roof installation with our comprehensive 10-year workmanship warranty. This isn't a limited warranty with fine print exclusions—it's real protection for our customers.

How It Works: If you discover any workmanship defects within 10 years from your project completion date, simply notify us in writing within 30 days. We'll inspect the issue and make all necessary repairs or adjustments at no cost to you. You won't pay a deductible, service fee, or hidden charges.

Transferable Protection: If you sell your home during the 10-year warranty period, this workmanship warranty is transferable one time to the new homeowner. This is a powerful selling point that can increase your property value and help close the sale faster.

What's Not Covered: Like all warranties, there are reasonable exceptions. Our workmanship warranty doesn't cover damage from natural disasters (hurricanes, tornadoes, earthquakes, hail storms), vandalism, accidents, normal wear and tear over time, or modifications made by other contractors. Additionally, caulking is covered for 5 years from installation.

Your Responsibility: To maintain warranty validity, you agree to provide reasonable access to your property for inspections or repairs and maintain your roof according to our guidelines and the manufacturer's recommendations.

CertainTeed's 50-Year SureStart Plus Manufacturer Warranty

In addition to our workmanship warranty, every Allied Siding and Roofing customer is automatically enrolled in CertainTeed's SureStart Plus warranty—one of the best manufacturer warranties in the roofing industry.

Comprehensive Coverage: CertainTeed's 50-year limited warranty covers manufacturing defects in the shingles themselves, giving you decades of protection. But the real value is in the SureStart Plus enhancement:

Years 1-15 (SureStart Plus Period): During this critical period, if a manufacturing defect is discovered, CertainTeed covers not just the defective shingles, but also:

• Labor costs for removal and replacement

• Tear-off of defective shingles

• Installation of replacement shingles

• This is significantly more valuable than standard manufacturer warranties that only cover the cost of replacement materials

Years 16-50 (Standard Coverage): After the SureStart Plus period, you still have manufacturer warranty coverage, though labor costs become prorated over time.

Additional Protections:

• 10-Year Algae Resistance Warranty: CertainTeed's Streak Fighter technology prevents unsightly black streaks caused by algae growth

• Wind Resistance Coverage: Protection against wind damage up to 110-130 mph depending on your shingle line and installation method

• Lifetime Limited Warranty: On select premium product lines

Why This Matters for Financing: When you're making monthly payments on your roof—whether for 18 months through GreenSky or 10+ years through GoodLeap—you're protected by these comprehensive warranties throughout your entire loan term. If a defect occurs while you're still paying off your roof, you're covered. This protection is exclusive to ShingleMaster certified contractors.

Combined Warranty Value: Unmatched Protection

Here's how your dual warranty coverage protects you throughout different timeframes:

Years 1-10: Full coverage from both Allied Siding and Roofing's workmanship warranty AND CertainTeed's SureStart Plus manufacturer warranty. Any installation issues or manufacturing defects are fully covered including labor.

Years 11-15: Enhanced manufacturer coverage through SureStart Plus (including labor costs for defects).

Years 16-50: Standard manufacturer warranty coverage continues protecting against shingle defects.

Real-World Value: Let's say you're in year 7 of a GoodLeap 10-year financing term. If you discover a leak caused by improper flashing installation, our workmanship warranty covers the full repair at no cost to you—even though you're still making monthly payments. If the issue is a shingle defect, CertainTeed's SureStart Plus covers both materials and labor. You continue making your regular payments while we handle all repairs.

This level of comprehensive protection is only available when you finance through certified roofing contractors like Allied Siding and Roofing. It's not just about affordable monthly payments—it's about protecting your investment for decades to come.

About Allied Siding and Roofing: Your Trusted Metro Detroit Partner Since 1997

For over 25 years, Allied Siding and Roofing has been helping MI Southwest homeowners protect their most valuable investment—their homes. What started as a small, family-focused roofing business has grown into one of the region's most trusted names in exterior home improvement.

Our Story

Since 1997, we've completed thousands of successful roofing projects across Metro Detroit, from emergency storm repairs to complete roof replacements. Our longevity in this competitive industry speaks to our commitment to quality workmanship, honest pricing, and exceptional customer service.

We're not a national chain or a contractor who shows up today and disappears tomorrow. We're your neighbors, and we take pride in serving the communities where we live and work—including Highland, Milford, Brighton, Novi, Northville, and surrounding areas.

Our Approach to Roofing and Financing

We understand that for most homeowners, a new roof represents a significant financial commitment. That's why we've built our business model around making quality roofing accessible through transparent pricing and flexible financing options.

Honest Assessments: Not every roof needs to be replaced. During your free consultation, we'll give you an honest assessment of your roof's condition. If repairs will suffice, we'll tell you. If replacement is necessary, we'll explain why and show you exactly what needs to be done.

Transparent Pricing: No hidden fees, no pressure tactics, no "today only" gimmicks. We provide detailed written estimates that break down all costs, and we help you understand your financing options through both GreenSky and GoodLeap without any obligation.

Quality Materials: As a CertainTeed ShingleMaster certified contractor, we exclusively install premium asphalt shingles from one of the industry's most respected manufacturers. We don't cut corners with cheap materials to boost our margins—we use the same quality products on every job.

Professional Installation: Our crews are experienced, trained professionals who treat your home with respect. We maintain clean job sites, protect your landscaping, and complete most roof installations in 1-3 days depending on size and complexity.

Local Accountability: We're licensed and insured in Michigan, and we're here for the long haul. When you call us in year 5 of your 10-year workmanship warranty because you noticed a potential issue, we answer. That's the Allied Siding and Roofing difference.

Why Homeowners Choose Us for Financed Roofing Projects

When you're committing to years of monthly payments, you want confidence that you've chosen the right roofing contractor. Here's why hundreds of Metro Detroit families have trusted us with their financed roof replacements:

Certified Expertise: Our CertainTeed ShingleMaster certification proves we meet the highest industry standards for professional roofing installation.

Comprehensive Warranties: Double protection through our 10-year workmanship warranty and CertainTeed's 50-year SureStart Plus manufacturer warranty.

Financing Flexibility: We partner with both GreenSky and GoodLeap to give you choices—not just one financing option that might not fit your budget.

Proven Track Record: Over 25 years in business, thousands of satisfied customers, and consistent 5-star Google reviews.

Community Commitment: We're active in the Metro Detroit community and committed to maintaining our reputation through exceptional service on every project.

When you finance your roof through Allied Siding and Roofing, you're not just getting affordable monthly payments—you're partnering with experienced roofing contractors who will be here for you throughout your entire loan term and beyond.

Roofing Financing with Bad Credit: Your Options

Worried about your credit score? You're not alone—and you still have options when you work with us.

What Credit Score Do You Need?

• Excellent (720+): Best rates, qualify for 0% promotions with our GreenSky financing

• Good (680-719): Competitive rates, access to both our GreenSky and GoodLeap options

• Fair (640-679): Our GreenSky financing available, GoodLeap often offers better terms

• Fair (600-639): Our GoodLeap financing available with higher interest rates

• Poor (below 600): Limited options, but not impossible

Our approach: At Allied Siding and Roofing, we work with homeowners across the credit spectrum. If you're worried about bad credit, our GoodLeap financing option offers more flexible approval criteria starting at 600. We'll help you find the best payment plan for your situation—without judgment.

Alternative Financing for Bad Credit

If you don't qualify for our financing options through GreenSky or GoodLeap, consider these alternatives:

• Secured home equity loans (using your home as collateral)

• FHA Title I loans (government-backed with more lenient requirements)

• Co-signer options (adding someone with better credit)

• Saving for a larger down payment to reduce the loan amount

• Credit union personal loans (often more forgiving than traditional banks)

How to Improve Your Chances

• Pay down existing debt before applying for financing through us

• Correct any errors on your credit report

• If your roof isn't an emergency, consider waiting 3-6 months to improve your score

• Use our soft pull pre-qualification to see where you stand without risk

Expert Tip: Even with challenged credit, you have options through Allied Siding and Roofing. Our GoodLeap financing option's flexible criteria and longer terms can make monthly payments affordable. Let's find a solution that works for your budget.

Roof Repair vs. Roof Replacement: Which Should You Finance?

Not every roofing problem requires a full replacement. Here's how to decide:

When Repair Makes Sense

If your roof is less than 15 years old and you're dealing with minor damage—a few missing shingles, a small leak—repairs typically cost $500-$3,000. At this price point, you may not even need financing, or our GreenSky option's smaller loan amounts work well for these situations.

When Replacement is Necessary

If your roof is 20+ years old, has widespread damage with multiple leaks, or has failed an inspection, it's time for a replacement. These projects typically cost $8,000-$25,000+ depending on your home's size and materials. For full replacements, consider our GreenSky financing if you can pay off quickly, or our GoodLeap option for lower monthly payments spread over more years.

Cost-Benefit Analysis

Here's the truth: repairing an old roof is often "throwing good money after bad." A full replacement adds 60-70% ROI to your home value, provides energy savings with modern roofing materials, and gives you peace of mind for 20-50 years.

Decision Framework: If your roof is over 20 years old or repair costs exceed 30% of replacement cost, finance a replacement instead through Allied Siding and Roofing. Both our GreenSky and GoodLeap options can make this affordable.

How Insurance Claims Impact Your Roofing Payment Plan

If storm damage, hail, fallen trees, or fire damaged your roof, your homeowner's insurance may cover the bulk of replacement costs. Here's how our financing options fit in:

The Insurance + Financing Combo: Insurance typically pays for most of the replacement, leaving you responsible for your deductible ($500-$2,500). Our GreenSky financing option's deferred interest is perfect for financing deductibles—you can pay it off when your insurance check arrives and avoid all interest charges.

What Insurance WON'T Cover: Age-related wear and tear, lack of maintenance, and cosmetic damage aren't covered. If your claim is denied, our GoodLeap financing option's longer terms can make a full replacement affordable even without insurance help.

Action Item: Always file your insurance claim FIRST, then explore our financing options through GreenSky or GoodLeap for the remaining balance or denied claims.

How to Vet Roofing Contractors That Offer Financing

Not all roofing contractors are created equal. Here's how to separate the trustworthy from the predatory:

Red Flags to Watch For

• Pressure to sign immediately or "today only" financing deals

• Requiring full payment upfront

• No licensing or insurance verification

• Prepayment penalties buried in the contract

• Refusing to explain financing terms clearly

• Pushing only one lender without explaining alternatives

Green Flags (What to Look For)

• Multiple financing partners (we offer GreenSky AND GoodLeap for choice)

• Transparent pricing and terms (we explain all costs upfront)

• Licensed and insured

• Local reputation (Google reviews, BBB rating)

• Willing to do soft pull pre-qualification without pressure

• No-pressure consultation

• Takes time to explain pros/cons of each financing option

Why Allied Siding and Roofing stands out: We partner with both GreenSky and GoodLeap so you have choices. During your free consultation, we help you pre-qualify for both options (using soft pulls only) and explain which one best fits your monthly budget and timeline. No pressure, no hidden fees—just honest guidance from experienced professionals.

Questions to Ask Before Signing

• What is the APR?

• Are there prepayment penalties?

• What happens if I pay off early?

• Who are your financing partners (GreenSky, GoodLeap, or other)?

• What is the total cost including all interest?

• Can I pre-qualify with a soft pull first?

• Do you offer both deferred interest and term loan options?

• What credit score do I need for approval?

What to Watch Out For: Hidden Costs and Prepayment Penalties

Prepayment Penalties

Some lenders charge fees if you pay off your loan early. Good news: Neither of our financing partners—GreenSky nor GoodLeap—charges prepayment penalties, so you're free to pay off your roof ahead of schedule without penalty. Always ask: "Can I pay this off early without any fees?"

Deferred Interest Traps (Especially with GreenSky)

Zero percent financing sounds amazing—and it is, if you understand the rules. With our GreenSky financing option's deferred interest promotions, if you don't pay off the full balance by the end of the promotional period, ALL interest charges apply retroactively to the entire original loan amount.

Example: A $10,000 loan at 24.99% APR could result in $2,499+ in surprise charges if you miss the deadline by even one day.

How to avoid this: Set up automatic payments to ensure you pay off the balance before the deadline. GreenSky's mobile app helps you track your remaining balance and deadline.

Our commitment: At Allied Siding and Roofing, we clearly explain how our GreenSky financing option's deferred interest works before you sign anything. We'll help you calculate the exact monthly payment needed to avoid any surprise interest charges.

Origination Fees

Some lenders charge 1-5% of your loan amount upfront as an "origination fee," which reduces the actual money you receive. Good news: Our financing partners, GreenSky and GoodLeap, have minimal to no origination fees, so you get the full loan amount you're approved for.

Balloon Payments

Avoid any loan requiring a large lump sum payment at the end of the term. Neither of our financing partners—GreenSky nor GoodLeap—uses balloon payments—your monthly payments stay consistent throughout the life of the loan.

Finding the Best Roofing Companies with Payment Plans Near You

Ready to move forward? Here's how to find a trustworthy contractor with quality financing options:

Start by searching "roofing companies with payment plans near me" and look specifically for contractors offering financing through reputable lenders like GreenSky and GoodLeap. Check online directories like Angie's List and HomeAdvisor, and don't underestimate the power of neighbor referrals—people who recently had roof work done can share honest experiences.

Get multiple quotes: Aim for 3-5 estimates. Compare not just the price, but also the financing terms. Ask each contractor: "What financing options do you offer?" Then compare APRs, loan terms, and monthly payments side-by-side.

Why choose Allied Siding and Roofing: We're licensed and insured roofing experts serving Metro Detroit since 1997. We offer flexible financing through both GreenSky and GoodLeap, giving you maximum flexibility with payment plans. During your free estimate, we provide soft pull pre-qualification so you can see your payment options without any credit impact. We believe in no-pressure consultations where we explain all your financing options honestly. Our 5-star Google reviews speak to our commitment to transparency and quality.

Conclusion: Protect Your Home Now, Pay Over Time

You don't need $15,000 in cash to get a quality roof over your head. With financing options available through Allied Siding and Roofing via our partners at GreenSky and GoodLeap, you can protect your home now and pay monthly amounts that fit your budget—even if you're concerned about your credit score.

Here's your action plan:

• Assess your situation and determine urgency

• Check your credit score (even a rough estimate helps)

• Contact Allied Siding and Roofing for a free estimate

• Pre-qualify for financing through both our GreenSky and GoodLeap options using soft pulls (no credit impact)

• Compare your monthly payment options side-by-side

• Choose the financing option that fits your budget and goals

• Get your new roof installed with complete peace of mind

At Allied Siding and Roofing, we've made roofing financing simple by offering payment plans through both GreenSky and GoodLeap—affordable monthly payments for every budget. As a CertainTeed ShingleMaster certified contractor, we back every installation with our 10-year workmanship warranty and CertainTeed's 50-year SureStart Plus manufacturer warranty.

Pre-qualify in minutes without hurting your credit, then decide which option works best for you.

Ready to get started? Call us at 248-218-9730 or visit buildwithallied.com for your free estimate and financing consultation. Your new roof—and peace of mind—are just a phone call away

What's Covered: Our workmanship warranty covers any defects in our installation work at no additional cost to you. This includes:

• Improper shingle installation or placement

• Flashing errors that could lead to leaks

• Inadequate or incorrect ventilation

• Ice and water shield installation issues

• Any other installation-related defects