Roof Financing

Get the roof you need without waiting. Couto Construction offers flexible roof financing options to make it easier for Rhode Island homeowners to protect their homes and budgets at the same time. Whether you’re dealing with storm damage or planning a full replacement, our financing plans let you start your project now and pay over time. Contact us today to learn more and request a free estimate!

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2 Roof Financing Options

6-Month 0% Interest Loan

$0 down, 0% financing for 6 months. Pay the remaining balance in full after 6 months.

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10-Year Payment Plan

$0 down, 0% financing for 6 months. 9.9% APR after 6 months for up to 10 years.

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Interest Free Loan Details

Our interest-free roof financing option is a 6-month roof loan, featuring 0% interest, $0 down, and no fixed payment periods. Any remaining balance after the 6-month period is to be paid in full.

$0 Down
0% APR
No Payment Required for 6 Months

Deferred Interest Loan Details

Our deferred interest roof financing option includes 6 months of interest free payments with $0 down. After 6 months the borrower can extend the repayment period up to 10 years at a 9.9% APR.

$0 Down
0% APR for 6 Months
No Payment Required for 6 Months
9.9% APR after 6 Months
Financing up to 10 Years

Average Roof Financing Payments in Rhode Island

City	Est. Pay-In-Full Cost	Est. 12-Month Payment	Est. 24-Month Payment	Est. 60-Month Payment
Warwick, RI	$6,956 - $17,129	$580 - $1,427	$290 - $714	$116 - $285
Cranston, RI	$6,400 - $47,200	$533 - $3,933	$267 - $1,967	$107 - $787
Coventry, RI	$7,705 - $56,916	$642 - $4,743	$321 - $2,372	$128 - $949
East Greenwich, RI	$13,407 - $76,629	$1,117 - $6,386	$559 - $3,193	$223 - $1,277
East Providence, RI	$7,063 - $52,176	$589 - $4,348	$294 - $2,174	$118 - $870
Hope, RI	$13,105 - $74,907	$1,092 - $6,242	$546 - $3,121	$218 - $1,249
North Providence, RI	$7,514 - $55,509	$626 - $4,626	$313 - $2,313	$125 - $925
Johnston, RI	$7,968 - $58,119	$664 - $4,843	$332 - $2,421	$133 - $969
Riverside, RI	$5,835 - $43,110	$486 - $3,593	$243 - $1,796	$97 - $719
Providence, RI	$5,830 - $43,075	$486 - $3,590	$243 - $1,795	$97 - $718

*The roof financing data above considers the average new roof cost in each Rhode Island city based on the median home size. The provided monthly payment estimates may not reflect your monthly payment. Monthly payments after the deferred period are contingent on the applied interest rate - APR is based on credit history and other factors. For the most accurate roof financing info, contact the professionals at Couto Construction.

What is a Roof Loan?

A roof loan is a financing option that allows homeowners to spread the cost of a new roof or roof repair over time through manageable monthly payments. Instead of paying the full amount upfront, you can choose a loan term and interest rate to fit your budget. Roof loans can help you get essential work done right away, especially if your roof is damaged or nearing the end of its lifespan, without draining your savings.

What are the Benefits of Roof Financing?

Start Your Project ASAP: Financing removes the need to wait until you have saved the full amount, so you can address urgent issues immediately.
No Large Payment: Break your total cost into smaller, predictable payments instead of one lump sum.
Build Credit: Consistent, on-time payments can help improve your credit score over time.
Preserve Savings: Keep your emergency fund or savings intact for other priorities.
Increases Buying Power & Flexibility: Choose higher-quality materials or upgrades without stretching your budget too thin.

Roof Financing Payment Methods

Monthly financing payments can be made using cash, check, or debit card. When you take advantage of our roof financing options, you get to choose the payment method most convenient to you!

Other Ways to Pay for Roofing in Rhode Island

Cash Payment: Paying upfront avoids interest charges and keeps the project simple.
Check: A secure, direct form of payment that’s easy to track.
Personal Loan: Often unsecured, personal loans can cover roofing costs with fixed repayment terms.
Credit Card: Convenient for smaller projects or to earn rewards, but be mindful of interest rates.
Home Equity Loan: Uses your home’s equity as collateral to secure a lower interest rate, ideal for large-scale or higher-cost projects.
Insurance Claim: If your roof damage is caused by a covered peril, your homeowner’s insurance may cover all or part of the replacement cost.
Government-Funded Home Improvement Loans: Some state and federal programs offer low-interest loans to qualifying homeowners for essential repairs, including roof replacements.