1

PAY IN FULL

done & done

Another project checked off the list.

Top Quality Roofing provides exceptional roofing and exterior services to homeowners and businesses across Illinois.

2

1 YEAR

0% Interest

Enjoy 12 months of no mess no fuss payments

Financing

3

10 YEAR

PAYMENT PLAN

Caught off guard by your exterior project? Don't sweat it - we have your back!

Payment Estimator

Enter estimated project cost

1 Year,

+ $0 Down

$1250.00 / per month

10 Year,

+ $0 Down

$176.47 / per month

**We accept payments through all major credit cards, including Visa and Mastercard. Cash and check payments are also acceptable.**

Siding payment plans and financing choices

Take the stress out of siding installation costs with our flexible financing options. Choose from 1-year to 10-year month-to-month payment plans designed to fit your budget. With $0 down and 0% interest, our siding financing program is an affordable alternative to traditional home improvement loans. Whether you have good or bad credit, our team will guide you toward the right payment plan for your needs

How to pay for new siding

Paying for new siding has never been easier. You can choose to pay with cash, checks, or credit cards, depending on your preference. Another popular option is using a home equity line of credit to spread the cost of your siding investment. Let us help you find the payment or financing option that makes upgrading your home stress-free and affordable.

Accepted payment forms for siding financing

We accept payments through all major credit card companies, including Visa and Mastercard. For added convenience, customers can also make monthly payments using checks or cash. You have the flexibility to choose the payment method that works best for your budget and lifestyle.

Should you finance your siding project?

Financing your siding project is a smart way to enjoy the benefits of new siding without paying the full cost upfront. If your siding shows visible signs of age or damage, a flexible financing plan allows you to upgrade without financial stress.

Benefits of New Siding Installation

1.

Enhanced Curb Appeal: A refreshed exterior boosts your home’s curb appeal, increasing both its visual charm and resale value. According to the National Association of Realtors®, 99% of agents agree that curb appeal is vital for attracting potential buyers, with 94% recommending siding improvements before listing.

2.

Improved Energy Efficiency: Modern siding helps insulate your home, keeping it cool in the summer and warm in the winter while reducing energy consumption. A well-installed siding solution can lower energy costs significantly during Illinois’s extreme weather changes.

3.

Better Structural Protection: Aging or deteriorated siding can expose your home to water damage, rot, and mold. New siding installation reinforces your home’s structure, protecting it against these risks and preserving its integrity for years to come.

4.

High Return on Investment (ROI): A report by NAR’s Remodeling Impact highlights that new vinyl siding provides an 82% ROI, while fiber cement siding yields an impressive 86% ROI. With financing, you can make a valuable investment in your home today.

Siding Financing with Bad Credit in Illinois

Flexible financing options are available regardless of your credit score. From credit cards to government-funded loans, Top Quality Roof ensures that every homeowner has access to affordable and stress-free siding financing solutions.

Home Improvement Credit Cards: These credit cards often include benefits like reward points, zero annual fees, or introductory offers. When considering this option, ensure you review the terms for interest rates and applicable fees.

Unsecured Loans: Personal or signature loans offer higher loan limits and flexible repayment terms. Check with your bank, credit union, or a trusted lender to explore rates and repayment options tailored to your needs.

Government-Funded Home Improvement Loans: Financing backed by federal programs is available for those with lower credit scores. Visit the U.S. Department of Housing and Urban Development (HUD) for more information on eligibility and how to apply.

Average Siding Financing Payment in Illinois

With Top Quality Roof’s customer-focused payment plans, finding the right siding financing solution is simple. Our team of experts will help you determine the best financing option, ensuring monthly payments are manageable and transparent. Whether you're upgrading to vinyl siding, fiber cement siding, or another premium option, our flexible financing terms make quality siding accessible to every homeowner.

Average monthly siding payment in your area

Calculate your monthly siding payment. Payment amounts assume vinyl siding on the median-sized home in the associated city. Your monthly payment could be higher or lower than the presented ranges in your city. Contact us to get the most accurate estimate.

City

Elgin

South Elgin

Bartlett

Schaumburg

Hoffman Estates

Arlington Heights

Rolling Meadows

Crystal Lake

Fox River Grove

Lake Zurich

Buffalo Grove

Joliet

Orland Park

Palos Hills

Bolingbrook

Elmhurst

Oak Brook

Est. Pay-in-full Cost

$5,600 - $12,700

$5,500 - $12,600

$6,000 - $13,500

$6,200 - $14,000

$6,100 - $13,800

$5,800 - $13,000

$5,900 - $13,200

$6,300 - $14,500

$5,700 - $12,800

$6,400 - $14,800

$6,200 - $14,300

$5,300 - $12,500

$6,500 - $14,900

$6,100 - $13,700

$5,900 - $13,300

$6,800 - $15,200

$7,200 - $15,800

Est. 1 Year Financing Cost ($/mo)

$466.67 - $1,058.33

$458.33 - $1,050.00

$500.00 - $1,125.00

$516.67 - $1,166.67

$508.33 - $1,150.00

$483.33 - $1,083.33

$491.67 - $1,100.00

$525.00 - $1,208.33

$475.00 - $1,066.67

$533.33 - $1,233.33

$516.67 - $1,191.67

$441.67 - $1,041.67

$541.67 - $1,241.67

$508.33 - $1,141.67

$491.67 - $1,108.33

$566.67 - $1,266.67

$600.00 - $1,316.67

Est. 10 Year Financing Cost ($/mo)

$65.50 - $155.83

$65.00 - $150.75

$70.50 - $162.00

$72.00 - $165.33

$71.25 - $163.33

$67.50 - $157.75

$68.00 - $159.75

$74.50 - $171.00

$66.50 - $156.00

$75.00 - $172.25

$73.00 - $169.33

$63.75 - $151.25

$76.00 - $173.75

$72.00 - $163.00

$68.00 - $160.00

$77.50 - $175.75

$81.00 - $182.33

*These values are based on typical siding installation costs in Illinois.

Frequently Asked Questions

How do you budget for siding?

Budgeting for siding involves assessing your home's size, the type of siding material, and installation costs. To create a realistic budget: - Measure your home: Determine the square footage of the exterior walls. - Choose a material: Options like vinyl siding are more affordable, while materials like James Hardie siding or cedar siding are premium choices. - Compare quotes: Obtain estimates from trusted contractors, ensuring the quote includes materials, labor, and cleanup. - Consider financing options: Many companies offer 0% interest siding financing or monthly payment plans to spread out costs.

What is the most affordable siding?

The most affordable siding option is vinyl siding, with prices ranging from $3 to $8 per square foot. Its low cost, minimal maintenance, and variety of styles make it a popular choice. For those seeking affordability with durability, LP SmartSide siding is another economical option, blending the appearance of wood with added resistance to moisture and rot.

How can I save money on siding?

You can save money on siding by: - Choosing cost-effective materials: Opt for vinyl siding or engineered wood siding over premium materials like cedar. - Timing your project: Schedule siding installation during off-peak seasons, such as winter, when contractors may offer discounts. - Financing smartly: Utilize 0% financing plans or home improvement loans to avoid large upfront payments. - Regular maintenance: Protect your siding from damage and extend its lifespan to reduce the need for frequent replacements.

How is siding priced?

Siding is priced based on: - Material cost: Vinyl siding is the most affordable, while fiber cement or cedar siding costs more. - Labor costs: Installation can cost $1 to $4 per square foot, depending on the contractor and complexity of the project. - Home size: Larger homes require more material and labor, increasing the overall cost. - Add-ons: Features like insulation or decorative trims add to the final price.

How do you quote a siding job?

Quoting a siding job involves calculating the total square footage of the home’s exterior walls and considering: - Material cost: Include the price per square foot for materials such as vinyl, James Hardie siding, or LP SmartSide. - Labor cost: Factor in the hourly rates or per-square-foot charges for professional installation. - Additional expenses: Add costs for insulation, old siding removal, and cleanup services. A good contractor will provide a transparent estimate that breaks down these costs to help homeowners make an informed decision.

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