Financing
Don't put your home on hold. Pay over time.
A roof can't wait for a good month, and water damage certainly can't. Flexible monthly payment options let you get the work done now — including whatever your insurance doesn't cover — and pay for it over time.
- Monthly payments for roofing, restoration, remodeling & commercial work
- Cover your insurance deductible — or anything a claim doesn't
- No home equity required, no lien on your property
- Quick application, no obligation to move forward
- Get the work done now, pay over time
Estimate your payment
A typical North Georgia asphalt shingle roof replacement runs about $9,600–$12,000.
Estimated monthly payment
$279/mo
$12,000 over 60 months at a representative 17.59% APR
Rates run 7.74%–35.99% APR and depend on your credit. The 7.74% floor requires autopay and paying off existing debt directly — so we show you a realistic middle, not a teaser. Good credit typically lands below the representative rate above.
Estimates only, for illustration — not an offer or commitment to lend. Representative example: a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee) would fund $9,500 with a required monthly payment of $341.48, totaling $12,293.46 over the life of the loan. APRs range from 7.74% to 35.99% with a 1.85%–9.99% origination fee deducted from loan proceeds; terms from 24 to 84 months. Your actual rate, term, and payment depend on credit score, credit history, loan amount, and final project scope. Financing is provided by third-party lenders, subject to credit approval. Bailey Roofing & Restoration is not a lender and does not make credit decisions.
How it works
Four steps, no pressure
Tell us about the project
Free inspection, honest findings, and a written scope — so you know the real number before you think about paying for it.
See your options
We walk you through what insurance covers, what it doesn't, and what a monthly payment on the gap actually looks like.
Apply in minutes
A short application with our financing partner, handled during your inspection or from your couch.
We get to work
Once you're approved and you've said go, we schedule the job. You pay over time instead of all at once.
Financing and insurance work together
Most storm and water damage is insurance-covered, but a claim rarely covers everything — there's the deductible, and there are the upgrades you actually want while the walls are already open. We handle the claim end to end, and financing covers the gap so the project doesn't stall.
Apply
See your financing options with Hearth
Use Bailey's secure Hearth application to check available financing options for your roofing, restoration, or remodeling project.
The application opens on Hearth's secure website. Financing is provided by third-party lenders and is subject to credit approval. Bailey Roofing & Restoration is not a lender and does not make credit decisions.