Six months same as cash;
Get your project complete, and don't make a payment for six months. On the seventh month, payments begin at 8.99% APR, for 120 months, on approved credit. This loan is not backdated to the inception date, but starts on the 181st day.
There's no early payment penalty for paying the loan off early, so if you desire to get your roofing project completed and make no payments until seven months later, this is a great option!