Aerial view of a completed Rooftop Relief roof replacement in Greater Cincinnati

Flexible Payment Options

No-Interest Financing for Roof Replacements, Repairs & More!

Need a new roof without a large upfront payment? Our roof replacement financing options help eligible homeowners spread payments over time, with 24 month 0% APR financing promotional plans available for qualified applicants. Get a free estimate and calculate your payments with our Roof Payment Calculator.

Fast pre-qualification
Flexible monthly payments
Multiple lender options
No prepayment penalties
Financing available for roofing and exterior projects
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Kemba Credit UnionBest Offer

0% Intro APR, Up to 24 Months

Financing through Kemba Consumer Resources

  • True 0% interest during the intro period
  • No back interest charges, ever
  • 9.90% APR after the introductory period
  • Covers roofing, gutters, siding, and repairs
Apply with Kemba

APR=Annual Percentage Rate. With approved credit. Up to 24 months no interest option with Regular Minimum Payments required. Terms expire to regular account terms at the end of the introductory period based on new principal balance and rate of 9.90%. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Financing available through Kemba Retail Services clients.

What's Included When You Finance Your Project?

Financing should be simple and transparent. Here is exactly what you get when you apply through our lending partner.

  • Fast pre-qualification with no impact to apply
  • 0% intro APR for up to 24 months
  • Flexible monthly payment terms
  • No prepayment penalties
  • Financing for roofing and exterior projects
  • Help from our team through the whole process
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What Does a New Roof Cost per Month?

With Kemba's 0% intro APR, the simple way to pay no interest is to divide your project by 24 and pay at least that much each month. Here is what that looks like at our actual 2026 prices.

ProjectProject costPer month over 24 months
New gutters, smaller home$2,400$100
New gutters, larger home$4,500$188
New roof, typical 2,000 to 2,500 sq ft home$12,000 to $16,000$500 to $667
New roof, larger or more complex home$20,000$833
New roof and new gutters together$14,400 to $20,500$600 to $854

Monthly amounts are the project cost divided by 24, rounded to the nearest dollar, and assume approved credit. Kemba requires a regular minimum payment each month. If you pay only the minimum, any balance left after the intro period is charged 9.90% APR. For what goes into each price, see our roof replacement cost guide and gutter replacement cost guide, or try your own numbers in the calculator below.

Free Payment Tool

Roofing Payment Calculator

Enter your project amount and monthly payment to see your payoff timeline and total interest. Based on 0% APR for the first 24 months, then 9.90% APR on any remaining balance.

Kemba Credit Union

24-Month No-Interest Loan Calculator

0% APR for the first 24 months, then 9.90% APR. Adjust the details below to match your project and budget.

Project figures

$2,000.00 down (10%)

Amount financed$18,000.00
Choose your plan

Estimates only. Based on 0% APR for the first 24 months and 9.90% APR thereafter, with a minimum monthly payment of 2% of the remaining balance. Actual terms depend on lender approval and your credit profile.

Est. monthly$750.00

Loan payoff summary

Kemba 24-month plan — 0% APR for 24 months, then 9.90% APR.

Estimated monthly payment

$750.00

24 months (2 years) to pay off

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Amount financed$18,000.00
Total interest$0.00
Total of all payments$18,000.00
Total including down payment$20,000.00
Balance when 0% ends (month 24)$0.00

You'd pay this off in 24 months inside the 0% window, so no interest is charged at all.

Equal Housing Opportunity

General example: The monthly payment for a 15 year home improvement installment loan of $10,000 with an APR of 10.99% would be $113. No down payment required. Not all loan products will be available to all partners or all consumers.

Disclaimer: Rooftop Relief is not a lender and does not provide financial, tax, or legal advice. All financing is subject to lender approval and borrower qualifications. Terms, rates, and availability vary by lender and credit profile.

Projects That Can Be Financed

Homeowners can explore monthly payment options before starting their roofing project.

Roof Replacement

Finance a full roof replacement with predictable monthly payments.

Roof Repair

Finance urgent fixes before small problems get expensive.

Storm Damage Roofing

Cover your deductible or out-of-pocket costs with flexible options.

Gutters & Downspouts

Protect your roof and foundation with financed gutter work.

Siding

Upgrade or repair your siding with affordable monthly payments.

Soffit & Fascia

Keep your roofline sealed and sharp with payment flexibility.

Roofing Financing Questions & Answers

Get answers to the most common questions about financing roofing and exterior projects.

How much is the monthly payment on a new roof?
A typical Greater Cincinnati roof replacement on a 2,000 to 2,500 sq ft home costs $12,000 to $16,000. With Kemba's 0% intro APR, paying that off within 24 months works out to about $500 to $667 a month, with no interest. Larger or more complex roofs up to $20,000 come to about $833 a month over 24 months. Financing is subject to credit approval.
Is the 0% APR financing really interest-free?
Yes. The Kemba offer is true 0% interest during the intro period of up to 24 months, with no back interest charges. Regular minimum payments are required each month.
What happens when the 24-month intro period ends?
Any balance left after the intro period is charged 9.90% APR. To avoid interest entirely, divide your project cost by 24 and pay at least that much each month.
Can I finance new gutters?
Yes. Kemba financing covers roofing, gutters, siding and repairs. A full gutter replacement on most homes costs $2,400 to $4,500, which is about $100 to $188 a month to pay off within the 24-month 0% intro period. You can finance gutters on their own or together with a new roof.
Do roofing companies offer financing?
Yes. Many roofing companies partner with lenders to offer financing. Rooftop Relief provides flexible monthly payment options for qualified homeowners in Greater Cincinnati.
Can I finance a roof replacement?
Yes. Roof replacement is one of the most commonly financed home improvement projects. You can get a new roof installed now and spread the cost into predictable monthly payments.
Can I finance roof repair?
Yes. Financing is available for roof repairs as well as full replacements. Even smaller repairs can benefit from payment flexibility when unexpected damage occurs.
How fast can I get pre-qualified?
Pre-qualification is typically completed in minutes. The exact timeline depends on the lender and your individual circumstances.
What credit score is needed for roof financing?
Credit requirements vary by lender and loan product. Multiple options are available for a range of credit profiles. Contact Rooftop Relief to discuss your situation.
Are there prepayment penalties?
Many financing options available through our lending partners come with no prepayment penalties, meaning you can pay off your balance early. Specific terms depend on the loan product.
Can insurance deductibles be financed?
In some cases, financing can help cover out-of-pocket costs like insurance deductibles for storm damage repairs. This depends on the lender and loan product.
What areas do you serve?
Rooftop Relief is based in Loveland, Ohio, and serves homeowners throughout Greater Cincinnati, including Cincinnati, Mason, West Chester, Anderson Township, Milford, Eastgate, Deer Park, Montgomery, Indian Hill, Hyde Park, Oakley, Blue Ash, Mariemont, Liberty Township, Kenwood, Madeira, and surrounding communities.

Serving Loveland & Greater Cincinnati

Rooftop Relief provides financing options for homeowners in the Greater Cincinnati area, including these communities.

LovelandCincinnatiMasonWest ChesterAnderson TownshipMilfordEastgateDeer ParkMontgomeryIndian HillHyde ParkOakleyBlue AshMariemontLiberty Township
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Explore flexible payment plans and get pre-qualified for your roofing or exterior project today.

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Prefer to talk? Call us at (513) 560-1181
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