Financing for Madison & Dane County homeowners
A failing roof does not wait for a convenient month. As a Madison roofing company that offers financing through our lending partner Upgrade, we help homeowners spread the cost of roof replacement, siding, windows or gutters over a term that fits their budget, with 0% APR options, no prepayment penalties and a decision in minutes.
Financing Made Simple
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 packages 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. Pricing varies by style and material; see our window replacement cost guide.
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.
You do not need a loan approved before you talk to us. Most homeowners get the inspection first, so they know the real number before they apply for anything.
These are illustrations, not offers. They show principal and interest on the advertised rates so you can see the trade-off between a low monthly payment and the total cost of the loan.
Most roof replacements in the Madison area run $13,000–$18,000. See our new roof cost guide for Madison for what drives the price, then use the table below to compare terms.
| Project Amount | 0% APR / 2 yrs | 6.99% APR / 5 yrs | 9.99% APR / 15 yrs |
|---|---|---|---|
| $10,000 | $416.67/mo $10,000 total | $197.96/mo $11,878 total | $107.40/mo $19,332 total |
| $15,000 | $625.00/mo $15,000 total | $296.95/mo $17,817 total | $161.10/mo $28,998 total |
| $20,000 | $833.33/mo $20,000 total | $395.93/mo $23,756 total | $214.80/mo $38,664 total |
| $25,000 | $1,041.67/mo $25,000 total | $494.91/mo $29,695 total | $268.50/mo $48,330 total |
| $30,000 | $1,250.00/mo $30,000 total | $593.89/mo $35,634 total | $322.20/mo $57,996 total |
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.
A 15-year term on a $15,000 roof cuts the monthly payment to about $161, but adds roughly $14,000 in interest over the life of the loan — close to the cost of a second roof. A 15-year term makes sense when monthly cash flow is the binding constraint. When it is not, the shorter term saves real money. Take the shortest term you can comfortably carry.
Storm and hail claims
A large share of our work in Dane County is insurance restoration. Even on an approved claim, there is usually money the policy does not cover, and financing is how most homeowners handle it.
You are responsible for your deductible under Wisconsin law, and we will never offer to absorb, waive, or rebate it. What financing does is let you pay it over time instead of all at once.
We would rather lose a job than put a homeowner into a loan for work that did not need doing. Our inspectors are paid to document condition accurately, and plenty of our inspections end with us telling someone their roof has five good years left.
When work is warranted, the estimate you finance is the same estimate you would pay cash for. There is no financed price and no markup for choosing a payment plan. What financing does is let you pay it over time instead of all at once.
What we will tell you honestly
Whether the project can safely wait a season. Whether a repair will get you five more years instead of a replacement. Which upgrades actually pay for themselves in Wisconsin and which are cosmetic. And if financing is a bad idea for your situation, we will say that too.
Backed after the work is done
Every project carries our 25-year workmanship warranty on top of the manufacturer coverage, so the thing you are financing is protected for the length of the loan and well beyond it.
Financing Questions
Yes. New roof financing is available on every roof replacement we quote, from a single-layer tear-off to a full Class 4 impact-resistant system. You can check your rate with Upgrade in a few minutes without affecting your credit score.
It depends on the project amount, the term and the rate Upgrade offers you. On a $15,000 roof, the 6.99% APR five-year term works out to about $297 a month. The payment table above shows other project sizes and terms, and your free inspection gives you the exact project price to finance.
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