Last updated: October 2026. Written by the In-Ex Designs Roofing team.
A new roof is one of the biggest bills a homeowner faces, and in the Valley it rarely arrives on schedule. A monsoon storm, a leak that finally shows up on the ceiling or an inspection during a home sale can turn “someday” into “this month.” Financing lets you replace the roof when it needs replacing, spread the cost into monthly payments and keep your savings for everything else. This guide explains the main ways Arizona homeowners pay for a roof over time, including promotional 0% plans and options for mobile homes, commercial buildings and storm damage, so you can compare offers with clear eyes. When you’re ready, you can see In-Ex’s payment plans and apply here.
Why finance a new roof instead of waiting
Waiting is usually the expensive choice. Phoenix heat dries out shingles and underlayment, and once water gets past the roof it can damage decking, insulation, drywall and framing, which turns a roof project into a much bigger one. If you’re seeing stains, sagging, cracked tiles or granules in the gutters, our Phoenix roof warning signs guide explains what each one means. Financing exists so that the decision about when to fix the roof can be based on the roof, not on what’s in the bank account that month.
Contractor payment plans
The simplest route is usually financing arranged through your roofer. In-Ex works with a third-party lending partner, so the estimate, the loan application and the installation are handled in one place, and approval decisions are made by the lender based on your credit. Plans typically come in two flavors: longer fixed-rate loans that keep the monthly payment low, and shorter promotional plans designed to be paid off quickly. Terms, rates and availability change, so the current offers are listed on our roof financing page, where you can also apply.
Promotional 0% and same-as-cash plans
Promotional 0% plans may be available to qualified buyers; ask about current terms. They can save real money, but only if you understand how they work. Many “same-as-cash” or “no interest if paid in full” offers are deferred-interest plans. As the Consumer Financial Protection Bureau explains, with deferred interest you are charged interest back to the original purchase date if the balance isn’t paid in full by the end of the promotional period. A true 0% APR offer, by contrast, only starts charging interest on the remaining balance after the promotion ends.
Before you sign, ask three questions. Is this deferred interest or true 0%? What exactly is the payoff date? And what rate applies afterward? Then divide the balance by the number of promotional months and set up a payment that clears it with room to spare. If that monthly figure is uncomfortable, a fixed-rate loan with a predictable payment may be the safer choice even though it carries interest.
Personal loans, home equity and credit cards
Outside of contractor plans, homeowners commonly use unsecured personal loans from banks, credit unions or online lenders, home equity loans or lines of credit, or a 0% intro credit card for smaller projects. Unsecured loans don’t put your house up as collateral but usually cost more; home equity products often carry lower rates but are secured by your home. The CFPB’s home loan tools are a good, neutral place to compare costs. Whatever you choose, compare the APR, the total you’ll repay, any origination or prepayment fees and the monthly payment, not just the headline rate.
Financing with less-than-perfect credit
A lower credit score doesn’t automatically rule out financing, but it changes which options make sense. We cover that in detail in our guide to bad credit roof financing in Arizona, including government-insured loans and what to watch for in high-rate offers.
Mobile and manufactured home roofs
Manufactured homes often have metal or low-slope roofs that are repaired or recoated rather than fully replaced, which keeps project costs lower but can make lenders less familiar with the work. HUD’s Title I Property Improvement Loan program insures loans made by approved lenders for home improvements, including on manufactured homes; HUD publishes the current loan limits and terms. Rural homeowners, including many in the White Mountains, may also want to check USDA Rural Development’s single-family housing repair programs, which have income and location requirements. For the roof itself, see our guide to mobile home roof coatings.
Commercial roofs
Business owners usually finance roofing through a commercial bank loan, an equipment or property improvement loan, or SBA-backed lending. The U.S. Small Business Administration lists its loan programs and how to find participating lenders. Commercial roofs also tend to be larger and longer projects, so it’s worth getting the scope, the roof system and the schedule settled before you approach lenders, since they will ask. In-Ex handles commercial roofing in the Valley and the White Mountains; see commercial roofing in Show Low.
Storm damage: insurance first, financing for the gap
If a monsoon or hailstorm damaged your roof, start with your homeowners insurance rather than a loan. A covered claim may pay for most of the repair, with financing used only for your deductible or for upgrades the policy doesn’t cover. Document the damage with photos, get an inspection, and file promptly. Our guide on getting insurance to pay for a roof replacement walks through the process. After federally declared disasters, FEMA Individual Assistance and SBA disaster loans may also be available to homeowners in the declared area.
How to compare roof financing offers
Get the roofing estimate first, so you know how much you actually need to borrow. Then put each offer side by side on four numbers: the APR, the term, the monthly payment and the total amount you’ll repay. Check whether a promotional rate is deferred interest, whether there are fees for paying early, and whether the lender, not just the roofer, is reputable. A good roofer will explain the options without pressure and will give you the estimate in writing whether or not you finance.
Next steps
Start with a roof inspection so the financing matches the work your roof really needs. Call In-Ex Designs Roofing at 602-938-7575, or review our current payment plans and apply.
FAQs about financing a new roof in Arizona
Can I finance a new roof in Arizona?
Yes. Common options include contractor payment plans through a lending partner, personal loans, home equity loans or lines of credit, and government-insured programs such as HUD Title I. In-Ex offers financing through a third-party lender, subject to credit approval.
Do you offer 0% roof financing?
Promotional 0% plans may be available to qualified buyers. Terms change, so ask us about current offers or check our roof financing page.
What is the difference between 0% APR and deferred interest?
With deferred interest, if you don’t pay the full balance by the end of the promotional period, you’re charged the interest that built up from the original purchase date. With a true 0% APR, interest only applies to the remaining balance after the promotion ends.
Can I get roof financing with bad credit?
Often, yes, though the options and rates differ. Our bad credit roof financing guide covers government-insured loans and what to watch for.
How do I pay for a roof on a mobile home?
Mobile home roof work can be financed with personal loans, contractor plans, or loans insured under HUD’s Title I program from approved lenders. Rural homeowners can also check USDA Rural Development repair programs.
Should I use insurance or financing for storm damage?
Start with your homeowners insurance claim. Financing can then cover your deductible or anything the policy doesn’t pay for.
