Portland & Surrounding Areas
Claim Expertise + BuiltStrong Process + No Payment for 12 months
Roofs that stand through the laughter at dinner, the storms outside,the moving boxes,
the “just one more story” nights, and the quiet mornings that follow
All our plans are backed by
Service Finance Company
0% or No Payment Plans
*For qualified buyers
Budgeting and Financing a New Roof Shouldn't Be Stressful
We get it. If you’re like most homeowners we work with, figuring out how to pay for a new roof isn’t exactly fun.
- Some dread the cost and keep putting it off.
- Others lose sleep trying to plan for it
- Between life’s expenses and everything else on your plate, it’s easy to delay the decision.
That’s why we created our roof‑financing plans — to make saying “yes” simple, and help you finally breathe easy.
Choose the Financial Plan For Your Budget and Situation
Pioneer Roofers partners with Service Finance Company to bring you 0% or
No Payment roof replacement plans (on approved credit)
Deferred Interest (6 Months)
6 Months
$500 – $100,000
Deferred interest with minimum monthly payments;
pay in full within 6 months to avoid interest.
Deferred Interest (12 Months)
12 Months
$500 – $100,000
Pay over 12 months with deferred interest —
full repayment within 12 months avoids finance charges.
Zero Interest, Same As Cash (12 Months)
12 Months
$1000 – $100,000
Zero interest, no monthly payments —
pay the balance in full within 12 months.
Other flexible financing options are also available.
About Pioneer Roofers Company
Insurance & Claim Expertise
We’re one of the few roofing companies in Portland that specialize in claim-driven roof replacements — often called in after another roofer’s poor workmanship has left a homeowner with leaks, stress, and denied coverage.
The BuiltStrong™ Installation Process
Every Pioneer roof is installed using our BuiltStrong Process — the most thorough roof system installation method in the region.
Decades of Trust,
By the Numbers
Average Ratings
Years Expirence
Referral Rate
We’ve roofed the equivalent of
🛣️ 80 miles of single-lane highway —
the distance from Portland to Corvallis, fully covered in roofing.
🏔️ 3× the length of Mount Hood’s base —
every inch protected from the elements
Find Your Answers in Portland Area
Home Owner Stories
Chances are, your biggest questions have already been answered by homeowners right here in the Portland area.
Whatever your concern, other homeowners have already found the answer (The answer they liked!)
Common Portland Area Roof Replacement Financing Questions Answered Here
Pioneer Roofers partners with Service Finance Company, a trusted national lender for home improvement projects.
You select the plan that best fits your budget (Deferred Interest or Zero Interest), we assist you with the quick online application, and once approved, your roof replacement is scheduled.
You get the roof you need now — and pay later under terms you choose.
No.
Most homeowners with average or better credit qualify for one of our 0% or no-payment plans. Service Finance looks at more than just your score, and there’s no hard credit pull for pre-qualification.
Yes.
You can finance repairs, partial replacements, or full system installs. If insurance covers part of the cost, financing can easily cover the remainder.
- Deferred Interest (Plans #1006 & #1012):
Make minimum payments during the 6- or 12-month period. If you pay off the balance in full before the term ends, you owe zero interest. - Zero Interest (Plan #2012):
No payments, no interest for 12 months. Simply pay the balance in full before the end of the term.
Deferred = payments now, avoid interest if paid early.
Zero = no payments or interest for a full year.
No — all Pioneer Roofers financing plans are no-money-down with approved credit. You start your roof replacement immediately, with nothing due at signing.
Yes.
Every plan we offer is penalty-free for early payoff. Paying early helps you avoid any deferred interest and saves money overall.
Absolutely.
Your loan covers the entire scope of work — shingles, underlayment, flashing, tear-off, cleanup, and labor — under a single, simple approval.
Most applications are approved within minutes. You can apply and confirm eligibility during your free consultation, so your project never has to wait.
Depending on your plan, you may have 6 to 12 months before your first payment is due.
Our No-Payment options let you replace your roof now and settle the balance later — perfect for managing deductibles or other home expenses.
Yes.
Many homeowners do exactly that.
Your insurance covers the approved portion, and financing bridges the rest — whether that’s upgrades, code-required work, or deductible costs.
We’ll coordinate directly with your adjuster so everything aligns smoothly.
Most short-term promotions are 6- or 12-month plans, but extended terms up to 120 months (10 years) are also available through Service Finance for qualified homeowners who prefer smaller monthly payments.
Yes — there’s no catch.
As long as you pay the full balance within the promotional period, you pay no interest. If the balance remains after the term, standard interest rates apply only to the remaining amount.
The financing is tied to you, not the property.
You can pay off the remaining balance from your home sale proceeds at closing — a common and easy process handled by most title companies.
Either works.
Applications can be completed by a single homeowner or joint applicants (for example, spouses or partners). Co-borrowers often improve approval odds and qualify for larger loan amounts or longer term
Still have questions? Our financing specialists can walk you through your best option in minutes
Give Yourself an Option to Pay for Your Roof Replacement
Our financing specialists can walk you through your best option in minutes.
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