Financing Available
Do the project now. Pay for it over time.
A new roof, siding, or windows shouldn't have to wait for the perfect month. With flexible financing, you can protect your home today and spread the cost into comfortable monthly payments that fit your budget.
Home Improvement Financing
Affordable payments, built around your budget
We've partnered with a trusted lender to offer simple, homeowner-friendly financing on nearly every project we take on — roofing, siding, windows and doors, decks, and more. Apply in minutes, get a fast decision, and start your project without draining your savings.
Why Finance With Us
The smart way to invest in your home
Low monthly payments
Break a large project into predictable payments that fit comfortably alongside your other bills.
Fast, easy application
A short online application with a quick decision — often within minutes, no in-person paperwork required.
Competitive rates
Special promotional plans and competitive fixed rates so more of your money goes into your home, not interest.
No prepayment penalty
Pay ahead or pay it off early whenever you like — you're never penalized for getting out of debt sooner.
Covers every service
Use financing for roofing, siding, windows and doors, decks, and other qualifying work, all in one plan.
Start work sooner
Don't wait and risk further damage. Handle urgent repairs and upgrades now, on a schedule that works for you.
Example Plans
Flexible options for every budget
Here are a few of the plans homeowners commonly choose. Your available terms are confirmed at the time of application.
Same-as-cash
0% APR
for 12 months
Pay no interest when the balance is paid in full within the promotional period — ideal for smaller projects you plan to pay off quickly.
Most popular
Low fixed APR
terms up to 60 months
Predictable low monthly payments spread over a longer term — the go-to choice for a full roof, siding, or window replacement.
Deferred payment
No payments
for the first 90 days
Get the work done now and start payments later — helpful when you're timing the project around insurance or seasonal budgets.
Example terms shown for illustration only. Actual rates, terms, and promotional offers are subject to credit approval through our third-party lending partner and may vary. Ed Oman Construction is not a lender.
How It Works
Approved in four simple steps
Apply in minutes
Fill out a short, secure application online or with our team — no lengthy paperwork.
Get a fast decision
Receive a quick credit decision, often within minutes, so you know your options right away.
Start your project
Once approved, we schedule the work and get your home taken care of on your timeline.
Pay over time
Make comfortable monthly payments, and pay ahead anytime with no prepayment penalty.
FAQ
Frequently asked questions
Which projects can I finance?
Nearly all of them — roofing, siding, windows and doors, decks, and most other qualifying work we perform. Ask us and we'll confirm your project qualifies.
Will applying affect my credit?
The initial application typically uses a soft inquiry to show your options. A hard inquiry only occurs if you move forward with a plan. Your lender will confirm the specifics.
How much can I finance?
Financing amounts depend on your approval and the size of your project. Many homeowners finance their entire job; we'll walk you through what you qualify for.
Is there a penalty for paying early?
No. You can make extra payments or pay off your balance early at any time without a prepayment penalty.
How do I get started?
Request a free estimate and let us know you're interested in financing. We'll help you apply and choose the plan that fits your budget.