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The Roof Boyz
Phoenix-Metro Roofing

Most roofers hand you a bill and request you find your own funds.

Roof Boyz offers multiple flexible payment plans so you can fix your roof now, before monsoon damage or rising prices make it more expensive.

Call (602) 560-8131
161+ Google ReviewsAZ ROC #363930Licensed, Bonded & Insured

Two straightforward plans.

Both with no prepayment penalties. Lender approval required.

Popular choice

Same-as-Cash

1 year with no interest charged.

No monthly payments required during the promotional period.

Pay the full balance by month 12 and there is no finance charge.

No prepayment penalty if you pay it off sooner.

Best for homeowners who
Expect to have the cash within 12 months but want the roof done now.
Lowest monthly

15-Year Fixed

Fixed 7.95% APR for the full term.

Predictable monthly payment you can budget around.

Pay off the balance early at any time with no penalty.

What to expect
Use the estimator below for an illustrated monthly payment at 7.95% APR over 15 years. Final terms are set by the lender during your in-person estimate.

Enter your project amount to see the options.

Type in your project amount to see Same-as-Cash at $0/mo during the promo period, or an illustrated monthly payment for the 15-year plan. We review final lender terms during your free in-home estimate.

Payment estimator

Enter your project amount to explore the options

$

Enter the amount from your written estimate. Industry ranges for Phoenix-metro replacements and tile re-felts vary by scope; this tool does not quote a Roof Boyz job price.

Choose your plan
Illustrated monthly payment at 7.95% APR over 15 years
About $143/mo

Based on the amount you entered above and the published long-term terms. Your final payment is set by the lender after credit approval and the written estimate.

Illustration only. On approved credit. Actual rate, term, and monthly payment are set by the lender at estimate. Financing is offered through third-party lenders; terms subject to change.

Most homeowners would rather pay cash.

A typical Phoenix-metro roof replacement right now lands between $12,000 and $22,000 for the average single-family home. Many tile re-felts and shingle jobs fall in the middle of that range.

The problem with waiting is not just the money. Roofs that were only marginal going into monsoon season frequently develop multiple leaks once the storms hit. Underlayment failure on concrete tile roofs is one of the most common (and expensive) discoveries after a big rain.

At the same time, material and labor prices in the Valley have been moving upward in 2026. Financing lets you protect your home at today's pricing while keeping cash available for everything else.

Estimator figures are for illustration only. On approved credit. Actual rate, term, and monthly payment are set by the lender at estimate. Financing is offered through third-party lenders; terms subject to change.

Common questions about financing.

Straight answers before you apply.

What are the two main payment plans?↓
Same-as-Cash gives you one full year with no interest and no required monthly payments if you pay the balance in full by month twelve. The Long-Term plan spreads your project over 15 years at a fixed 7.95% APR with no prepayment penalty.
Is the one-year plan really zero interest and zero payments?↓
Yes. During the 12-month promotional period there is no interest charged and no monthly payment required. You simply pay the full project amount by the end of month twelve to avoid any finance charges.
Can I pay off the loan early?↓
Both plans allow you to pay off the balance early with no prepayment penalty. Many homeowners pay down the balance faster than the minimum term once the roof is complete.
Why finance when I could pay cash?↓
Most Phoenix-metro homeowners prefer to pay cash. Financing lets you protect your home now before monsoon leaks turn a roof problem into expensive interior repairs, and before material and labor prices continue climbing. You keep cash on hand while still locking in today's pricing.
What happens if I wait until after monsoon season?↓
Every summer, roofs that were marginal going into monsoon develop multiple leaks. Underlayment failure on tile roofs is especially common in the Phoenix area. Waiting often means higher repair costs plus the price increases that have been accelerating in 2026. Acting now protects both your home and your budget.
Do I need excellent credit to qualify?↓
Approval is handled by the lender and is based on standard credit criteria. Many homeowners with average credit are approved. The estimator on this page illustrates a monthly payment for the 15-year plan at the published 7.95% APR using the project amount you enter. That figure is for planning only; your final payment is set by the lender on approved credit.

Ready to protect your home without paying everything upfront?

See your monthly numbers, then talk to a Roof Boyz estimator about the plan that fits your project and timeline.

Call (602) 560-8131
161+ Google ReviewsAZ ROC #363930Licensed, Bonded & Insured
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