0% for 24 months. No deposit required.
A roof rarely fails on payday. Qualifying homeowners finance the work at 0% interest for 24 months with no deposit, and we walk through the math in plain English before you sign anything.
- 0% Interest for 24 months Pay the balance in full within the promo period and you pay no interest at all.
- $0 Deposit required Qualifying projects get on the schedule without one.
- 24 Months to pay it off Two full years to spread out the cost of the work.
Subject to credit approval. Minimum monthly payments required. See financing terms for full details.
Four steps. No surprises.
Three numbers do most of the talking. The rest is fine print, and we publish that too, further down this page.
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Get your free estimate
We inspect, give you the honest answer first, and put one real number in writing. No pressure, no sign-tonight discounts.
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Walk the math in plain English
Before you apply, your consultant lays out the full cost, the minimum monthly payment, and exactly what happens after the promo period.
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Apply in minutes
The application is short, and you can do it right at the kitchen table. Subject to credit approval.
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We build, you pay monthly
Your project runs like any other Baker job. Make the monthly payments, clear the balance inside 24 months, and you pay zero interest.
We name the number out loud. Then we leave.
Financing is where some contractors get fuzzy. A teaser rate on the flyer, a different number at the kitchen table, and a payment that balloons after you sign. We do not work that way.
At your estimate you get one real number for the project, and the financing line by line: what 0% for 24 months means, what the minimum monthly payment is, and what happens if the balance is not paid off when the promo period ends.
The complete fine print is published at the bottom of this page. We would rather you read it here, at your own table, than hear a summary of it in your living room.
And if financing is not the right move for your situation, we will say so. We are playing for the next thirty years, not for one big ticket.
Google review "Baker team from sales to project manager all the way to the finance department were professional and a pleasure to deal with! The vision we had for our home before work began is now a reality and we are very pleased with the results!"
Prefer not to finance? Also fine.
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Check or card
Pay by check or major credit card, with the payment schedule in writing before work starts.
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Online payment portal
Current clients can view and pay invoices any time through our secure client portal. No phone call required.
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We'll review any competitive offer
However you pay, bring us any competitive offer and we will go line-by-line through it so you can compare apples to apples.
Financing questions, answered straight.
Don't see your question? Call (984) 369-9350 and reach a real Baker rep.
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How does 0% for 24 months actually work?
You make fixed minimum monthly payments on the financed balance. Pay it in full within the 24-month promotional period and no interest is charged. If a balance remains after the promo period, interest is charged on the promo balance from the original purchase date. The complete terms are published on this page.
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Is there really no deposit?
Yes. Qualifying homeowners start their project with no deposit required. The financing covers the work, and your payments go to the lender.
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Who actually provides the financing?
A national consumer lender that we partner with. They handle the application, the account, and the billing. Baker handles the work, and we walk you through all of it at the estimate.
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When and how do I apply?
At your free estimate. Your Baker consultant walks through the math in plain English first, then the application takes a few minutes at the kitchen table. Subject to credit approval.
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What happens if I do not pay it off within 24 months?
Interest is charged on the promo balance from the original purchase date at the account's regular APR. It is the one thing to plan around, and it is exactly why we walk the math with you before you apply.
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Which projects qualify?
Financing is available on qualifying roofing, siding, window, gutter, and door projects across our North Carolina and South Carolina service areas, subject to credit approval. Ask your consultant at the estimate.
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What if I would rather not finance?
No problem. Pay by check or card, and current clients can use our online payment portal. However you pay, we will review any competitive offer line-by-line so you can compare apples to apples.
The complete financing terms.
This is the complete promotional financing language from our lending partner, unabridged. If anything here reads differently than what you heard at the estimate, call us and we will make it right.
No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promo purchase during the promotional period for purchases made on or after 1/15/2026, or until the promotional purchase is paid in full for purchases made before 1/15/2026. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase.
During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months' rounding. The required minimum monthly payments may or may not payoff the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to promotional purchases, except that for purchases made before 1/15/2026, the fixed monthly payment that is based on the highest balance applicable to this promotional purchase will continue to be required until the promotion is paid in full. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.
Ready to put a real number on it?
Free estimate, the honest answer first, and the financing math in plain English. Family-led, 111 years, with 25,000+ jobs in the last 10 years.