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How to Pay for a New Roof

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How to Pay for a New Roof

A new asphalt roof keeps the water out and protects your home. Here is how to time the work, get fair quotes, and pay for it over time.

VoAtlas editorial Updated · 3 min read
Typical cost $12,500 before anything else
Across the 0% window $694.44/mo 18 months, no interest

How we got that: $12,500 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

When you get a new asphalt shingle roof, the daily difference is simple: no more bucket in the attic when it rains, and peace of mind for the next thirty years. The actual crew work usually takes just two to three days from stripping the old layers to nailing down the last ridge cap.

Late fall and early spring are the best times to book this work because roofing crews are slower and more willing to negotiate on price. Before you sign anything, get at least three different quotes from local contractors to make sure you are not overpaying for materials or labor.

That 0% intro window is a strict deadline, not free money, and any remaining balance left over when those 18 months are up will suddenly start racking up standard interest charges.

The steps

  1. 01

    Time the season

    Aim for late fall or early spring when roofing crews are slower. They will often drop their rates to keep their guys busy between busy summer and winter stretches.

  2. 02

    Get three quotes

    Call at least three local roofers and get detailed estimates in writing. Compare what is included for tear-off, plywood replacement, and cleanup so you are comparing exact matches.

  3. 03

    Set up your payment window

    If you are using the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening to spread out the cost.

  4. 04

    Automate your math

    Take your total bill of about $12500 and divide it by your 18-month intro window. That comes out to $694.44 per month that you need to send in every single time.

  5. 05

    Inspect the finished work

    Do a final walk-around with the crew lead before you pay the last installment. Check the yard for stray nails with a magnet roller and make sure your gutters are clear of old granules.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

How long does a new asphalt shingle roof take to install?

Most standard residential roofs take between two and three days to complete. Weather can delay things, but a good crew works fast once they start.

Is late fall really a good time for roofing?

Yes, as long as the temperature stays above freezing so the shingles can seal properly. Crews are hungrier for work then, which saves you money.

Do I need to be home while they work?

It is a good idea to be around for the first hour to confirm colors and discuss any rotten plywood they might find underneath. Otherwise, you just need to move your cars out of the driveway.

What happens if I miss a monthly payment?

Missing a payment can trigger late fees and might cancel your promotional rate early. Set up automatic payments so you never miss the monthly target.