Completed dark architectural shingle roof on a two-story brick colonial home in Belleville, IL

Roof Financing for Belleville, IL & St. Louis Homeowners

Get the roof you need now and pay over time — up to $200,000, with 0% interest options.

Apply for Financing
Belleville, IL

A new roof is one of the largest one-time expenses a homeowner faces. iRestore STL works with established lending partners so you can replace or repair your roof now and spread the cost over monthly payments that fit your budget — without putting the project on a high-interest credit card.

Financing Highlights

  • Up to $200,000Enough to cover a full roof, siding and gutters together.
  • 0% for 18 months0% interest for up to 18 months on qualifying projects.
  • Fixed-rate loansTraditional fixed rates for predictable monthly payments over a longer term.
Smiling homeowner standing in his front yard in Swansea, IL, in front of his brick ranch home and its newly finished roof, with an iRestore STL yard sign
A happy homeowner in Swansea, IL

A New Roof Without the Wait

Most homeowners don't have a roof's worth of cash sitting in the bank — and a roof that's failing can't wait for the savings to catch up. Financing lets you fix it now, protect the rest of the house, and pay for it in monthly amounts that fit your budget.

Tell us at your free inspection that you'd like to finance, and we'll show you the numbers for your actual project before you commit to anything.

Apply Online

We offer financing through Service Finance Company. The application takes a few minutes and you'll get a decision quickly.

Apply for Financing

Financing is subject to credit approval. Rates, terms and promotional offers vary and are set by the lender; not everyone will qualify.

How Our Financing Process Works

  1. Free roof inspection. We assess your roof, document any damage, and recommend the right scope of work — no pressure, no upselling.
  2. Transparent estimate. You get a written quote with line items and material options so you know exactly what you're paying for.
  3. Pick a financing option. We walk you through the available lender programs and help you find a monthly payment that fits your budget.
  4. Simple application. Apply online in a few minutes and you'll know quickly whether you qualify.
  5. Build day. Once approved, we schedule the work. You don't pay anything to the lender until the job is complete.
New roof and white gutters on a white bungalow with a covered front porch in Waterloo, IL
Waterloo, IL

What Financing Can Cover

  • Full roof replacement
  • Storm and hail damage restoration (in addition to insurance)
  • Roof repair and emergency leak repair
  • Gutter and siding replacement
  • Insurance-deductible coverage in qualifying cases
iRestore STL roofer installing ridge cap shingles over the ridge vent
Our crew, on the job

Combining Financing with Your Insurance Claim

If your roof was damaged by a storm, you may be eligible to have most of the cost covered by your homeowner's insurance. Our owner is a Licensed Public Adjuster, and we've helped clients secure a 90% claim approval rate on legitimate storm damage claims. For costs your policy doesn't cover — typically your deductible and any uncovered upgrades — financing can bridge the gap.

Roofs We've Recently Finished

  • Completed dark architectural shingle roof on a two-story brick colonial home in Belleville, IL
    Belleville, IL
  • Completed dark architectural shingle roof on a single-story brick ranch home with twin front gables in Collinsville, IL
    Collinsville, IL
  • Completed dark architectural shingle roof on a white-painted brick split-level home with black shutters in Mascoutah, IL
    Mascoutah, IL
  • Completed architectural shingle roof on a brick two-story home in Swansea, IL
    Swansea, IL
  • Finished shingle roof and white gutters on a tan ranch home in Columbia, IL
    Columbia, IL
  • Aerial view of a new dark shingle roof and gutters on a home in Bartelso, IL
    Bartelso, IL

Talk Through Your Options

Every household is different. Call and we'll walk you through the financing programs we have access to, what to expect on the application, and the realistic monthly numbers based on your project scope.

Apply for Financing Call Now: (618) 641-9533