Roof Financing - Payment Options

When it comes to paying for a roof replacement or other home improvement projects, there are several options available depending on your financial situation, the scope of the project, and your personal preferences. Here are some common payment options:

Cash or Check

If you have the funds readily available, paying in cash is often the simplest option. You will avoid interest charges and your project can be scheduled immediately. All that’s required is a deposit for materials, then the remainder of the funds paid after the roof is installed or home improvement project is completed. 

Credit Cards

Using a credit card for your home improvement project can be beneficial if you have a card with generous rewards and incentives, especially cash-back bonuses. A new credit card offering zero-interest for 12 to 18 months will let you pay off the balance over time (and accrue some travel points!). Whirlwind Roofing offers this payment option with NO additional transaction fees.

Insurance Proceeds

We will work with your insurance company’s estimate to restore your home to its pre-storm condition. All checks from your insurance company are sent directly to you. How you pay us is up to you.

Personal Loans

Taking out a personal loan from a bank or online lender is another option. Personal loans typically have fixed interest rates and repayment terms, making it easier to budget for your project. We can personally recommend Red Crown Credit Union.

Home Equity Loans

If you have significant equity in your home, you could consider a home equity loan. These loans use your home as collateral and often have lower interest rates than personal loans or credit cards. However, they also come with the risk of losing your home if you can’t make the payments.

Home Equity Line of Credit (HELOC): Similar to a home equity loan, a HELOC allows you to borrow against the equity in your home. However, instead of receiving a lump sum, you can draw funds as needed, up to a certain limit, and only pay interest on the amount you borrow.

Home Improvement Loans

Roof now and pay later! Financing can be used when your roof needs to be replaced at an unexpected time or your insurance deductible is hard to manage. 

We use Service Finance Company, the leader in home improvement loans. Loan options include 100% financing, 0% interest loans, and low payment loans, subject to qualifying credit approval.

You can finance your total project amount or just a portion:

  • Quick, paperless application process
  • Fast approvals
  • No prepayment penalties
  • Credit limits up to $100,000
  • No collateral required
  • Short and long term options

Pick the roof finance plan that is right for you and your family. Click below to apply for a home improvement loan. The application process is quick and easy.

roof financing tulsa

Payments start at $149 month. Subject to qualifying credit approval.

Government Loans and Grants

Depending on the nature of your home improvement project, you may qualify for government loans or grants designed to promote energy efficiency or home safety. For instance, installing a solar powered attic vent on your roof qualifies for a 30% federal tax credit, taking the sting out of the total cost of the attic vent. Learn more about eco friendly and sustainable roofing products here. Programs vary by location, so check with your local government or housing authority for more information.

Before choosing a roof financing option, it’s important to assess your financial situation, consider the total cost of the project and explore all available options to find the one that best fits your needs.


Whirlwind Roofing
13402 S Memorial Dr
Bixby, OK 74008