Financing
Ask about Kemba financing
Financing is available through Kemba Credit Union with approved credit, including up to 24 months of no-interest promotional financing with 2% minimum monthly payments. We send the secure application link after your project estimate. Terms current as of fall 2025; confirm current terms when you apply.
Frequently Asked Questions
Riley Roof & Exteriors offers financing through the Kemba Visa Platinum credit card program from Kemba Credit Union, with up to 24 months of no-interest promotional financing for approved credit. We send you the secure application link after your project estimate. APR=Annual Percentage Rate. With approved credit. Up to 24 months no interest option with Regular Minimum Payments required. Terms convert to regular account terms at the end of the introductory period based on new principal balance and rate of 9.90% APR. Terms current as of fall 2025; confirm current terms when you apply.
Which projects can be financed?
Most of the residential exterior work we do can be financed, including roof replacement, siding, windows, doors, and gutters. Financing is through the Kemba Visa Platinum credit card program from Kemba Credit Union, available in Greater Cincinnati with approved credit. Kemba decides approval and the amount. Tell us you plan to finance, and we’ll send the application link after your project estimate.
How do I see the available payment options?
After we give you a project estimate, we send you Kemba’s secure online application link or QR code. There’s no public application link. Kemba emails you its decision. If you’re approved, you enroll through DocuSign. If your project needs a deposit, Kemba can advance up to 50% of the approved amount to us early. At completion, Kemba makes the final advance and then bills you monthly.
Is financing subject to credit approval?
Yes. Financing is offered by Kemba Credit Union with approved credit, and Kemba makes the credit decision, not Riley Roof & Exteriors. We can’t guarantee approval or a specific credit limit. Kemba’s terms shown here are current as of fall 2025, so confirm current terms when you apply. You’re never required to finance to work with us.
What determines my monthly payment and total cost?
Kemba’s program offers up to 24 months of no-interest promotional financing with approved credit, and minimum monthly payments of 2% are required. There’s no back interest if you pay in full during the promotional period, and no prepayment penalty. The promotional period starts when Kemba advances funds to us, including any early deposit advance. After it ends, the remaining balance converts to a 9.90% APR. Terms current as of fall 2025; confirm current terms when you apply.
Can multiple exterior improvements be included in one project?
Often, yes. If you’re doing a roof and gutters, or siding and windows, we can include them in one proposal, and you can apply to Kemba Credit Union to finance the combined amount, subject to approved credit and the amount Kemba approves. Combining work can also simplify scheduling. See Our Services for everything we offer.