Free roof inspections · Insurance-claim help · Licensed & insured
Free inspections · Insurance help
(901) 493-1219Free roof inspections · Insurance-claim help · Licensed & insured
Free inspections · Insurance help
(901) 493-1219Local Memphis roofing company that finances replacements, repairs, and storm damage restoration. Soft-pull pre-qualification in minutes — zero impact to your credit score.
Payment calculator
Move the sliders to estimate your monthly payment for any project size, rate, and term length. No email required, no sign-up — just real numbers so you can plan ahead before your free inspection.
When you're ready, hit the button below and we'll come give you the exact rate from our lending partners.
Move the sliders to see your monthly cost.
Estimated monthly payment
$159/mo
Total paid
$19,022
Total interest
$7,022
Estimates only. Actual rate, term, and payment depend on creditworthiness and lender underwriting. Rates from 7.99% APR for qualified buyers.
A new roof in Memphis typically runs between $9,000 and $22,000 depending on size, pitch, and material. That's a number most homeowners can't write a check for — and waiting on a leaky roof just turns a $400 repair into a $14,000 problem with mold, drywall, and insulation damage on top.
That's why we offer roof payment plans through trusted national lenders. You get the roof you need today and pay it back at a fixed monthly rate that fits your budget. We finance full replacements, individual repairs, storm damage restoration, and even insurance deductibles.
Whether you're searching for roofing companies that finance, roof financing options, or roof payment plans in Memphis — you're in the right place. We've been doing this in the Mid-South for over 20 years.
What it actually costs
Real numbers from recent Memphis-area projects. Final rate depends on credit, term, and lender — but this is what most homeowners see.
| Project type | Amount | Monthly payment* | Term |
|---|---|---|---|
| Roof repair | $2,500 | $52/mo | 60 mo |
| Mid-range shingle replacement | $10,000 | $129/mo | 120 mo |
| Premium architectural shingle | $15,000 | $189/mo | 120 mo |
| Metal roof replacement | $22,000 | $269/mo | 144 mo |
*Example payments based on 9.99% APR for qualified buyers. Your rate and term are determined by our lending partners based on credit and underwriting.
How it works
We come out, climb the roof, and give you a written estimate within 24 hours. No pressure, no sales pitch.
Quick online application with our lending partners. Most homeowners get a decision in 2–5 minutes — soft-pull, no impact to your credit score.
Once approved, we schedule the install. $0 due upfront. Your low monthly payment starts after the job is finished and you're happy.
Who qualifies
Our lender network is built to say yes. You don't need a perfect credit score, and applying never affects your credit.
Why finance
Memphis weather is hard on roofs. Between summer hail, spring tornado threats, and 100°F humidity baking shingles for months, a marginal roof becomes a leaking roof faster than most homeowners expect.
A $150/month roof payment is almost always cheaper than the alternative: water-damaged drywall, ruined insulation, mold remediation, and an emergency replacement that you'll still have to pay for — only now with thousands of dollars of interior repairs stacked on top.
Financing turns a stressful five-figure decision into a predictable monthly bill, while your home stays protected starting day one.
FAQ
Yes. AJ's Roofing & Restoration partners with top-rated national lenders to offer financing on roof replacements, repairs, and storm restoration across Memphis, Bartlett, Germantown, Collierville, Cordova, and the rest of the Mid-South. Most homeowners get a decision in minutes and pay $0 down.
Often, yes. Our lending network includes options for homeowners with credit scores starting around 550. Approval depends on income, home equity, and credit history — not just the score. Applying is soft-pull and will not impact your credit score.
For a typical Memphis-area shingle roof ($9,000–$15,000), financed payments commonly run $89–$199/month depending on term length, rate, and amount financed. We'll give you exact numbers after your free inspection.
No. Qualified homeowners get $0 down financing. You start making your low monthly payment after the roof is installed and you're happy with the work.
Most applications get a decision in 2–5 minutes. Funding for approved jobs happens before we install, so there's no delay between approval and scheduling your new roof.
Yes. Our lender partners offer no prepayment penalties — pay it off whenever you want and save on interest.
Yes. If your roof is being replaced through an insurance claim, financing can cover your deductible so you have zero out-of-pocket cost up front. Ask about our storm damage process when you call.
Ready to start?
Tell us a little about your project. We'll come out, take a look, and walk you through your exact monthly payment options on the spot. No pressure, no obligation.
Or call (901) 493-1219