Roof Financing Options in Oklahoma City: 12 Months Same As Cash & More
A damaged or aging roof is something no homeowner can afford to ignore, but the cost of a full replacement can feel overwhelming. The good news is that you don't have to pay for everything upfront. At ScottBuilt Roofing & Construction, we offer flexible financing options designed to make quality roofing accessible to every Oklahoma City homeowner — regardless of budget.
12 Months Same As Cash
Our most popular financing option is 12 Months Same As Cash. Here's how it works: you get your new roof installed now and make monthly payments over the next 12 months. As long as you pay off the full balance within that 12-month window, you pay zero interest. It's the same as paying cash, just spread out over a year.
This option is ideal for homeowners who have the means to pay for a roof but prefer to keep their savings intact or spread the cost across several paychecks. There's no penalty for paying it off early, and the application process is quick — most approvals come back within minutes.
Loan Terms Up to 10 Years
For homeowners who need lower monthly payments, we also offer extended loan terms up to 10 years. This option lets you finance your roof replacement with affordable monthly payments that fit comfortably into your household budget. A $12,000 roof spread over 10 years can work out to roughly $130–$160 per month, depending on your rate and credit profile.
Longer terms mean you'll pay more in total interest over the life of the loan, but the trade-off is a monthly payment that won't strain your finances. For many families, this is the difference between getting a new roof now — when they need it — versus waiting and risking further damage.
Insurance + Financing: A Powerful Combination
If your roof was damaged by hail or wind, your homeowner's insurance may cover most of the replacement cost. But even with insurance, you're still responsible for your deductible — which in Oklahoma typically ranges from $1,000 to $5,000. Our financing options can help cover that deductible so you're not scrambling to come up with cash out of pocket.
We also work with homeowners whose claims are partially approved. If insurance covers 80% of the job but you need help with the remaining 20%, financing bridges that gap.
How to Apply
Applying for financing through ScottBuilt is simple:
- Schedule your free inspection — we'll assess your roof and provide a detailed estimate.
- Choose your financing option — 12 Months Same As Cash, extended terms, or a combination with insurance.
- Quick application — the process takes just a few minutes and most decisions are instant.
- Get your new roof — once approved, we schedule your installation right away.
Why Waiting Costs More
It might seem smart to delay a roof replacement to save up money, but waiting often costs more in the long run. A compromised roof can lead to water damage, mold growth, structural deterioration, and higher energy bills. What starts as a $12,000 roof replacement can turn into a $25,000+ project if water gets into your attic, walls, or foundation. Financing lets you address the problem now before it gets worse.
ScottBuilt Makes It Easy
At ScottBuilt Roofing & Construction, we believe every Oklahoma City homeowner deserves a safe, solid roof over their head — and finances shouldn't be the barrier. With 12 Months Same As Cash, extended loan terms up to 10 years, and our expertise navigating insurance claims, we'll find a path that works for your situation.
Ready to explore your options? Call us at (405) 766-3608 or request your free inspection. We'll give you an honest assessment and walk you through every financing option available.