Financing for Madison & Dane County homeowners
A failing roof does not wait for a convenient month. Through our lending partner Upgrade, you can spread the cost of roofing, siding, windows, or gutters over a term that fits your budget — with 0% APR options, no prepayment penalties, and a decision in minutes.
Most exterior projects are not optional purchases — they are repairs to the system that keeps water out of your house. Financing exists so that the timing of the work is driven by the condition of your home, not the balance of your savings account.
– Roofing · Windows · Siding · Gutters –
Helping you move up
Any project we quote can be financed — single-trade repairs, full replacements, or whole-home exterior package bundled into one loan and one payment.
Full replacements, storm repairs, and decking or ventilation work. GAF and Malarkey certified systems built for Wisconsin freeze-thaw cycles.
James Hardie, LP SmartSide, CertainTeed, and Diamond Kote. Often the largest exterior project, and the one most commonly financed over a longer term.
ENERGY STAR® certified replacement windows from Pella and Lindsay. Monthly energy savings offset part of the monthly payment.
Seamless 26-gauge aluminum gutters and guards. Small enough that many homeowners clear it inside a 0% promotional term.
Emergency tarping, hail and wind repair, and full restoration. Financing bridges the gap while an insurance claim is still being processed.
Decks, doors, trim, and multi-trade exterior projects handled under a single contract and a single loan.
Estimated monthly payment by project size and term
Figures are standard amortization estimates calculated on principal and the advertised APR only. They assume no origination or other fees, on-time payments, and no early payoff. They are for illustration and are not an offer, quote, or guarantee of terms. Your actual rate, term, payment, and any applicable fees are determined by Upgrade based on your credit profile and are disclosed to you before you accept a loan. The Exteriors Company is not a lender and does not make credit decisions.
No. Checking what you qualify for through Upgrade uses a soft credit inquiry, which does not affect your credit score. A hard inquiry is only performed if you accept an offer and move forward with the loan.
Upgrade does not publish a single cutoff, and approval considers income, existing debt, and credit history alongside your score. The promotional 0% terms generally require stronger credit than the longer fixed-rate terms. The only way to know what you qualify for is to check your rate, which costs nothing and does not affect your score.
Approved loans can cover the full contract amount, so no down payment is required in most cases. If you would rather put money down to reduce the financed balance, you can.
Yes. None of the Upgrade terms carry a prepayment penalty. Paying early is how the promotional structures are meant to be used — on the 18-month option in particular, paying the balance in full before the promotional period ends is what causes the accrued interest to be waived.
No payments are due for the first 18 months, but interest accrues at 29.49% APR during that window. If you pay the balance in full before the promotional period ends, that accrued interest is waived. If you do not, it is added to your balance. This option works well when you are waiting on a specific source of funds — an insurance settlement, a home sale, a bonus — and poorly as an open-ended plan. Read Upgrade’s program disclaimers in full before choosing it.
Yes. Your deductible is your responsibility under Wisconsin law and we cannot and will not waive, absorb, or rebate it. Financing simply lets you spread that payment over a term rather than paying it in a lump sum at the start of the project.
Yes. Many homeowners finance only the portion insurance did not cover, or only the upgrades they chose to add. Tell your project manager how you want it structured and we will write the contract accordingly.
No. The estimate is the estimate. We do not carry a separate cash price and financed price.
No. We are a home improvement contractor, not a lender or a financial advisor. Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. All credit decisions, rates, terms, and disclosures come from the lender. We can explain what the project costs; we cannot tell you whether borrowing is the right financial decision for your household.
Yes. The same options are available anywhere we work, including Sun Prairie, Middleton, Verona, Fitchburg, Waunakee, DeForest, Windsor, Cottage Grove, Oregon, McFarland, Stoughton, and the surrounding Southern Wisconsin communities. See the communities we serve.
Get your free, no-obligation inspection today.
Financing Disclosures
All loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds state licenses as disclosed on its website. Rates, terms, and program availability are set by the lender and are subject to change without notice. The Exteriors Company is a home improvement contractor and is not a lender, loan broker, or financial advisor, and does not receive or make credit decisions. Payment figures on this page are illustrations only and are not offers of credit.
The Exteriors Company · 2117 S Stoughton Rd, Madison, WI 53716 · (608) 960-7663