Financing — Bella Construction
BIG PROJECTS. small MONTHLY PAYMENTS .
A new roof shouldn’t mean draining your savings. We partner with trusted lenders so you can start the project now and pay for it on terms that work for your budget — often approved in 24 hours.
FREE, NO OBLIGATION
Request a Free Estimate
- We Never Share your Info
Typical approval
0
HR
Money down options
0
$
Maximum term
0
YR
Cost recovery (NAR)
0
%
Payment Estimator
SEE YOUR monthly PAYMENT IN 10 SECONDS.
$18000
$2,000
$75,000
TERM
Estimated Monthly Payment
$228/mo
Financed
$18000
Term
10 Years
Rate
8.99%
Total Interest
$9350
The Programs
THREE WAYS TO pay FOR IT.
We don’t push one program over another — we lay out the options and let you pick what fits. Here’s a plain-English look at each.
01
Same-As-Cash
12 / 18 / 24 months
No interest if paid in full within the promotional period. Popular for homeowners expecting an insurance payout, tax refund, or year-end bonus.
- 0% interest during promo
- No prepayment penalty
- Apply in under 10 minutes
02
Low Monthly
5 / 7 / 10 / 15 year terms
Stretch larger projects — full roofs, siding packages, bundles — into small fixed monthly payments. Most-chosen option for full replacements.
- Fixed rates from 6.99% APR
- Terms up to 180 months
- No lien on your home
03
Home Equity
For larger bundled projects
If you have equity, a home-equity loan typically carries the lowest rate. Best for bundled roof + siding + windows jobs, or projects over $40k.
- Lowest available APRs
- Terms up to 20 years
- Potential tax advantages**
**Bella Construction is a roofing contractor, not a tax advisor. Consult your CPA about the deductibility of home-equity loan interest for your specific situation.
How It Works
FROM ESTIMATE TO approved IN A DAY.
01
Free Estimate
We visit, inspect, and put a written, line-itemed estimate in your hand — no pressure, no surprise numbers.
02
Pick a Plan
We walk through the financing options side-by-side so you know exactly what you'd pay on each.
03
Apply Online
A 10-minute secure application with our lending partners. Soft-pull pre-qualification won't affect your credit.
04
Approval & Install
Most applications are approved within 24 hours. We schedule the work and you pay nothing until it's finished.
Common Questions
FINANCING, plainly EXPLAINED.
Will checking my rate affect my credit score?
No. Our lending partners use a soft credit pull for pre-qualification, which does not affect your credit score. A hard pull only happens if you choose to proceed with a formal application.
How much can I finance?
Typical approvals run from $2,000 up to $75,000 for home-improvement loans, and higher for home-equity products. Most of our roof replacements fall in the $10,000–$30,000 range.
Do I have to pay anything up front?
No money down is available on most of our programs. Some homeowners choose to put money down to lower the monthly payment — but it’s never required.
How long does approval take?
Most applications are approved within 24 hours. Many same-day. We’ll walk you through the application over the phone or in person if you’d prefer.
Can I pay off my loan early?
Yes. All of our financing programs allow early pay-off with no prepayment penalty. If you’re inside a same-as-cash promo, paying the balance off before the promo ends avoids all interest.
What credit score do I need?
Our lending network works with a wide range of credit profiles — including homeowners rebuilding credit. Better scores unlock better rates, but approval is possible for many customers with scores starting in the low 600s.
Can I use financing for repairs, not just full replacements?
Yes. Financing is available for any Bella project — repairs, partial replacements, single-service jobs, or bundled roof + siding + windows packages.
Does financing cover insurance-claim work?
It can bridge the gap. Some homeowners finance their deductible, or finance upgrades beyond what insurance covers (impact-resistant shingles, ventilation upgrades, gutter replacement during the roof job).
Ready to Start?
GET A FREE ESTIMATE. decide FROM THERE.
No obligation, no high-pressure sales. We’ll measure, write it up, and show you every financing option side-by-side. The choice is yours.