Financing Options Available
Every Project Should Be
Within Reach.
West Coast Exteriors offers financing so that a fair, honest price doesn't have to wait. Not to inflate it.
Why We Offer Financing
We're Not Using Financing to Raise Our Prices
A new roof, impact windows, or a full exterior renovation is one of the largest investments you'll make in your home. We understand that. That's exactly why we offer financing - not to take advantage of it.
Here's something most contractors won't say out loud: some of them quote you a "cash price" and a higher "financed price." The financed version can be 10–15% more. They justify it by saying the lender charges them a fee, so they pass it to you. That's not transparency. That's two sets of books.
We don't do that. Your written estimate is your price. Whether you pay cash, write a check, or finance every dollar of the project - the number doesn't change. We absorb any lender processing costs as part of doing business honestly.
Financing exists at West Coast Exteriors for one reason: so that a homeowner who needs a new roof today doesn't have to wait two years to afford it. That's a real benefit. We're glad to offer it - and we're going to offer it the right way.
"We built this company to give homeowners a fair deal. Financing is part of that - it's a tool to help you protect your home on your terms, not a trick to get you to spend more. If you want to pay cash, great. If financing works better for your family right now, we're glad to make that happen. The price is the same either way."
Watch Out for This Contractor Tactic
If a contractor gives you two different prices - one for cash and one for financing - walk away. That's a markup disguised as a payment option. Always ask for a single written estimate before discussing payment.
Simple & Transparent
How Financing Works at WCE
No surprises. No pressure. Just a straightforward option if it works for you.
Schedule Your Free Estimate
Call us or fill out the form. We come to your home, measure everything, and give you a written price before we leave.
One Price. No Variations.
Your written estimate is your price. Cash, check, or financing - the number is the same. We'll show you both options side by side.
Apply in Minutes
If you want to explore financing, your estimator walks you through the application on the spot. Quick, simple, no pressure.
Protect Your Home Today
Once approved, your project moves forward on your timeline. No waiting years to afford what your home needs now.
Our Commitment
What You Can Always Count On
One Written Price
Your estimate is your price. It doesn't change based on how you pay. We put it in writing before we start.
No Pressure to Finance
Financing is an option, not a sales tactic. We'll present it once. You decide. We respect your answer either way.
Approved Third-Party Lenders
We work with reputable lenders - not in-house financing schemes. Your loan is separate from your project contract.
Transparent Terms
Your estimator will explain the rate, term, and monthly payment clearly before you apply. No fine print surprises.
Eligible Projects
Financing Is Available For:
Financing is available through approved third-party lenders. Subject to credit approval. Terms and availability may vary. Ask your estimator for details at your free in-home consultation.
Common Questions
Financing FAQ
Honest answers to the questions homeowners actually ask.
Does financing change the price I'm quoted?
No. Your written estimate is your price - period. Whether you pay cash, check, or finance 100% of the project, the number on that estimate does not change. We have one price for every customer.
I've heard some contractors charge more if you finance. Is that true?
Yes, and it's more common than you'd think. Some contractors quote a 'cash price' and a separate 'financed price' that's 10–15% higher. That's not transparency - that's two sets of books. We don't operate that way. One estimate. One price. How you pay is your business.
Who provides the financing?
We work with approved third-party lenders to offer financing options for qualified homeowners. Your estimator will walk you through the available options at your free in-home consultation. We'll never pressure you to finance - it's simply an option if it works for your situation.
What projects can be financed?
Financing is available for most major exterior renovation projects - roofing, siding, impact windows and doors, gutters, soffits and fascia, and full exterior renovations. Ask your estimator for details specific to your project.
How do I apply?
You don't need to do anything before your estimate. At your free in-home consultation, if you're interested in financing, your estimator will walk you through the application process. It's simple, and you'll know quickly whether you qualify.
Does applying for financing affect my credit score?
Checking your financing options typically involves a soft credit inquiry, which does not affect your credit score. A hard inquiry may occur if you proceed with a formal application. Your estimator will explain the process clearly before you apply.
What if I don't qualify for financing?
That's okay. We'll work with you to find a solution that fits your situation. We can discuss phased project timelines, adjusted scopes, or other options. Our goal is to help you protect your home - not to push you into something that doesn't work for you.
Why do you offer financing at all if you already price fairly?
Because a fair price and an accessible price aren't always the same thing. A new roof or full exterior renovation is a significant investment - even at a fair price. Financing lets you protect your home today instead of waiting years. That's a real benefit for real homeowners, and we're glad to offer it honestly.
Ask About Financing
Get Your Free Estimate - Financing Options Included
Fill out the form and we'll reach out to schedule your free in-home consultation. We'll measure everything, walk you through your options, and give you a written price before we leave - with or without financing.
Prefer to call?
(941) 479-1776