Service Guide
Financing makes a $13,000 roof a $185-$220 monthly payment — easier on cash flow than draining a savings account or putting it on a credit card. Budget Roofers partners with Financeit and SNAP Financial to offer 0% promotional terms (12-24 months), longer-term amortized financing up to 120 months, and soft-pull pre-qualification that doesn't affect your credit score. Most homeowners qualify; decisions come back in under five minutes.
We work with Financeit and SNAP Financial — two of Canada's largest home-improvement lenders. Both offer dedicated home-improvement underwriting (not generic personal loans), competitive rates, and online application processes. We do not earn commission on financing — we offer it as a convenience, and you're welcome to use any lender or pay cash.
0% interest for 12 or 24 months on the entire project amount, available to qualified borrowers. After the promotional period, the balance amortizes at the standard rate. Most homeowners pay off within the promo period and effectively get an interest-free roof. Application is soft-pull, decision in minutes, no obligation.
For homeowners who prefer fixed monthly payments over 5-10 years, long-term amortized terms are available. Typical $13,000 roof at 84 months runs $185-$220 per month depending on rate and credit profile. Rates run 6.99%-12.99% APR depending on term and credit. No prepayment penalties — pay it down faster anytime.
Online application takes about 5 minutes. Soft pull initially (does not affect credit score). Approval decision usually in under 5 minutes. Hard pull only after you accept terms and confirm proceeding. Funds disbursed directly to Budget Roofers on project completion — no money up front.
We accept cash, e-transfer, certified cheque, Visa, and Mastercard (3% surcharge on credit cards). 30% deposit on signing, 70% on completion is our standard cash-pay structure. Strata and commercial work is invoice-net-30 with established credit.
Yes — 12 or 24 month 0% promotional terms through Financeit and SNAP, for qualified borrowers.
No — initial application is soft-pull. Hard pull only happens if you accept terms and proceed.
On a $13,000 roof at 84 months, expect $185-$220 per month depending on rate and credit profile.
Yes — no prepayment penalties on either Financeit or SNAP terms.
Yes — licensed and bonded in BC, $5 million liability insurance, and full WorkSafeBC coverage on every crew member. Documentation provided on request before any contract is signed.
No. Every Budget Roofers crew member is a full-time employee. We do not subcontract install work.
25-year manufacturer material warranty plus 10-year Budget Roofers workmanship warranty. Premium and designer profiles carry 30-50 year manufacturer terms.
2-4 days for a typical single-family home; 5-7 for complex layouts; 3-5 working days for cedar conversions.
Yes — 0% for 12-24 months, longer terms up to 120 months through Financeit and SNAP. Soft-pull pre-qualification, decision in minutes.
We monitor Environment Canada hourly and pause for heavy rain. We can tarp and dry-in safely in light rain. Warranty depends on dry installation conditions.
Yes — included in the fixed price. We pull permits in your name and schedule inspections.
Standard quote includes 4 sheets of replacement decking. Additional sheets billed at $85-$120 installed; we always show you damaged sheets before replacement.
Free online estimator, free in-person verification, fixed-price quote.
(604) 446-3482