Roof Financing Options in Columbia

Straightforward Payment Options for Your Roofing Project

At Cap City Roofing, we understand that a roof is a significant investment — and it protects one of your biggest ones. We believe homeowners should clearly understand their payment options from the start. Many of our customers choose financing, while others prefer to pay cash or secure their own financing. Either way, we’ll walk you through what makes sense for your situation.


We offer financing through Service Finance, a nationally trusted home-improvement lender and a subsidiary of Truist Bank. When applicable, financing can be used for roofing projects as well as other exterior improvements we complete.


Financing is optional, straightforward, and discussed only after we’ve inspected your roof and confirmed the scope of work.

How Roof Financing Typically Works

Financing allows homeowners to move forward without having to pay for their roof all at once — in many cases, with zero down payment, subject to credit approval. Homeowners commonly use financing to:


  • Avoid a large upfront payment
  • Spread the cost into predictable monthly payments
  • Take advantage of same-as-cash or promotional terms when available
  • Manage cash flow while still completing the work properly


Cash payment is always an option, as is third-party financing. Financing through us is never required. Our role is to explain what’s available and let you decide what makes sense for your household.

What to Expect from Our Process

  • Clear pricing before financing is discussed
  • Straightforward explanations with no pressure
  • Financing presented only if helpful or desired
  • The same materials, workmanship, and warranties regardless of payment method


We focus on building durable roofs and making the process understandable from inspection through completion.

About Estimates and Final Pricing

If you’ve used our online roof estimator, the number shown is a preliminary estimate based on roof size and typical materials. Final pricing is confirmed after an on-site inspection, where we evaluate roof condition, decking, ventilation, and help you select materials and options.



Financing options are based on the final confirmed scope — not the online estimate.

Ready to talk through your options?

If you’re considering a roof replacement or repair and would like to understand pricing and payment options, we’re happy to help.


Call (803) 661-3366 or schedule a free inspection to get started.