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Financing through Regions Bank

Affordable financing for your new roof. In plain English.

A new roof is one of the biggest investments you'll make in your home — and you shouldn't have to put it off because of the upfront cost. RDG partners with Regions Bank (Member FDIC) to offer three honest, fixed-rate financing options so you can move forward with confidence.

FDIC Member Loans through Regions Bank
Apply in minutes Quick online pre-qualification
Fixed rates 9.99% APR options · no surprises
For your home Replacement, repair & remodels
Choose your plan

Three fixed-rate options. Pick what fits your budget.

All three are pre-qualified through Regions Bank. Click "Pre-qualify now" on any plan to start a no-obligation application — it takes just a few minutes.

9 Month Same-As-Cash — No payments, no interest for 9 months. PreQualify with Regions Bank.
Plan 01 · Short-term

9-Month Same-As-Cash Loan

  • No payments & no interest if repaid in 9 months
  • Interest waived when paid in full within 270 days
  • If not paid off, balance converts to a fixed-rate installment loan
  • Best for: insurance proceeds or short payoff plans
Pre-qualify now
Subject to credit approval. See full terms.
9.99% APR 5 Year Loan — Start My Project Today. PreQualify with Regions Bank.
Plan 02 · Mid-term

9.99% APR · 5-Year Fixed Loan

  • Fixed 9.99% APR for the life of the loan
  • 60 monthly payments · approximately $21.69 per $1,000 borrowed
  • No prepayment penalty
  • Best for: moderate budgets, faster payoff
Pre-qualify now
Subject to credit approval. See full terms.
9.99% APR 12 Year Loan — Start My Project Today. PreQualify with Regions Bank.
Plan 03 · Long-term

9.99% APR · 12-Year Fixed Loan

  • Fixed 9.99% APR · same rate over a longer term
  • 144 monthly payments · approximately $12.20 per $1,000 borrowed
  • Lowest monthly payment of the three plans
  • Best for: keeping monthly costs low
Pre-qualify now
Subject to credit approval. See full terms.
How it works

From "I need a new roof" to "it's getting installed" — in four steps.

01

Free inspection

We climb the roof, document everything, and send you a written report with photos — usually within 24 hours.

02

Honest quote

One transparent, line-by-line estimate. We'll show you what's needed now and what can wait.

03

Pre-qualify online

Pick the financing plan that fits your budget and pre-qualify with Regions Bank in a few minutes online.

04

We get to work

Once approved, we schedule the install. Most replacements wrap up in 1–2 days — start to clean property finish.

Not sure which to pick?

Talk it through with Doug. No sales pressure.

Doug has been writing roofs in Volusia County since 1994 and can walk you through which plan makes the most sense for your situation — including how it stacks up against insurance proceeds and out-of-pocket costs.

Common questions

Financing, answered plainly.

Will pre-qualifying hurt my credit score?
Pre-qualification with Regions Bank is designed to be a quick first look at whether you'd likely be approved. The full application and approval process is handled by Regions Bank directly, and any credit reporting follows their standard procedures. For the most current details on credit inquiries, see the Regions application page or contact Regions Bank directly at the number provided in the disclosures below.
How much can I borrow?
Loan amounts are determined by Regions Bank based on creditworthiness and project scope. Minimum loan amounts apply, and the minimum monthly payment for all three plans is $50. Most full roof replacements fall well within typical lending ranges, but the easiest way to know your number is to pre-qualify online — it's no obligation.
Can I use financing alongside an insurance claim?
Absolutely. We handle insurance claims for storm and hail damage often, and financing can be a useful bridge — for example, to cover your deductible or to upgrade materials beyond what insurance pays out. We'll walk you through how the numbers work before you commit to anything.
What's the difference between same-as-cash and the fixed-rate plans?
The 9-Month Same-As-Cash plan waives interest entirely if you pay the full balance within 270 days — best if you're expecting insurance proceeds or have a short payoff in mind. If the balance isn't paid in that window, interest accrues retroactively at a fixed APR (currently 19.99% nationally, 17.99% in Florida) and converts to an installment loan. The 9.99% APR 5-Year and 12-Year plans are straightforward fixed-rate loans with predictable monthly payments — no waiting period, no rate changes.
Is there a prepayment penalty?
No. You can pay off any of the three loans early without penalty, which means you can take a 12-year loan for the low monthly payment and still pay it off sooner if your situation changes.
Can I use financing for repairs, not just full replacements?
Yes. Financing applies to most projects we take on — roof replacement, major repairs, storm restoration, and construction or remodeling work. Minimum loan amounts apply, so very small repair jobs may not qualify; we'll let you know up front.

Important Loan Disclosures

The following terms are required by Regions Bank for each financing plan. Please read carefully.

9-Month Same-As-Cash Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of May 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 270 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 21 to 129 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 270 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.32 to $29.66 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.

9.99% APR 5-Year Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 60 monthly payments of $21.69 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.

9.99% APR 12-Year Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 144 monthly payments of $12.20 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.

Regions Bank is an Equal Housing Lender and Member FDIC. All loans subject to credit approval. Rates, terms, and program availability are subject to change without notice.