Roofing, Siding & Gutter Financing That Works Around Your Budget
Whether you're bridging an insurance deductible or spreading the cost of a full replacement, ACI has a payment option that fits.
ACI partners with Service Finance to offer flexible payment plans for every situation — from short-term same-as-cash bridges to 10-year fixed monthly terms. All financing is provided by a third-party lender, not ACI directly.
What We Offer
Same As Cash — 6 Months
0% interest, no monthly payments for 6 months. Pay in full within 6 months and you pay zero interest.
Deferred Interest — 6 Months
Small minimum monthly payments for the first 6 months. Pay the balance within the promotional window to avoid accrued interest.
8-Year Fixed Term
9.99% APR, fixed monthly payments for up to 97 months.
10-Year Fixed Term
9.99% APR, fixed monthly payments for up to 120 months. Payments as low as approximately $145/month on an $11,000 project.
Why Finance With ACI
Funding up to $55,000
Fixed Monthly Payments — No Surprises
Terms From 6 Months to 10 Years
No Prepayment Penalties
Apply in Minutes From Your Phone
Financing Backed by Service Finance Company
Perfect for Insurance Claims
If you're going through an insurance claim, you're often on the hook for your deductible before the work starts — and the depreciation portion of your claim doesn't release until the job is complete. Our 6-month same-as-cash option was built for exactly this. Cover your deductible now, pay it off when your depreciation check comes in, and owe zero interest as long as it's paid within the 6 months.
Talk to Us About Your ClaimWhy This Beats a HELOC or Cash-Out Refi
Keep Your Equity Intact
No lien, no appraisal, and no long bank process. Your home equity remains untouched.
Protect Your Savings
Don't drain your emergency fund for a single major purchase. Keep your cash where it belongs.
Approvals in Minutes
Skip the weeks of bank paperwork. Get a decision and move forward with your project today.
St. Louis' First and Oldest GAF Master Elite Contractor
ACI is the first and oldest GAF Master Elite contractor in St. Louis — a designation held by less than 3% of roofing contractors nationwide. When you finance a project with ACI, you're financing work backed by the highest manufacturer credentials in the industry.
Real Stories from St. Louis Homeowners
"ACI acted quickly and efficiently in taking care of our roof claim. Shawn came over right away and inspected our roof. ACI worked well with our insurance company, and their installation crews worked tirelessly to finish the tear off and replacement in one day. The gutter crew followed the roofers and then the window wrap crew finished us up. I would gladly recommend ACI for roofing and exterior needs. They are First Class Professionals."
"Wow - is all I can say! Easiest and most pleasant home improvement projects ever! Quality work, amazing follow up, fair prices and perfect clean up! I would highly recommend!! Thanks you Chris & Beth for the amazing job you did in our roof and gutters! Can’t wait for the next project your helping us with!!"
"It was a great experience from start to finish. Chris was very professional and came by while the job was being installed to assure that everything was done right. I would definitely recommend them to anybody needing a new roof. My only complaint is minor; I wish they would provide a more detailed and professional invoice! This is not a big thing but a recommendation!"
Apply for Financing
Apply through Service Finance in minutes. Get a decision on funding up to $55,000.
Apply NowGet Your Free Inspection
Tell us about your project. We'll come out, evaluate the work, and walk you through your financing options in person.
Ready to move forward on your project without the financial stress? Talk to ACI today.
ACI Roofing and Exteriors is neither a broker nor a lender. Financing is provided by Service Finance Company, a third-party lender unaffiliated with ACI, under terms arranged directly between the customer and the lender, subject to credit requirements and satisfactory completion of finance documents. Any finance terms shown are estimates only. Sample monthly payment based on $11,000 financed at 9.99% APR for 120 months; actual payments will vary based on approved amount, term, and creditworthiness. ACI does not assist with, counsel, or negotiate financing.