Roof Financing Options in Texas & Louisiana
A new roof is one of the bigger expenses you will face as a homeowner. We offer 0% interest for up to 18 months and extended terms up to 20 years at 9.99% APR. Credit scores as low as 550 can qualify through our multi-lender platform. A soft credit pull checks what you are eligible for without affecting your score, and there are no prepayment penalties or dealer fees.
How does roof financing work?
You pick a payment plan, we handle the rest. The whole process from application to approval usually takes a few minutes for pre-qualification and 1 to 2 business days for formal approval.
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Get your free roof inspection
We inspect your roof and provide a detailed estimate with material options and pricing. No obligation, no pressure.
- 2
Choose a financing option
Your project coordinator walks you through available programs based on your budget and preferences. A soft credit pull checks your options without affecting your score.
- 3
Get matched to the best lender
Our platform compares rates from multiple banks and matches you to the program with the best terms for your situation.
- 4
Approve your terms and schedule
Review your rate, monthly payment, and loan term. Once you approve, we schedule your installation date.
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We install, the lender pays us directly
You make monthly payments to the lender. We get paid directly so there is nothing extra for you to manage.
Financing options we offer
Our multi-lender platform compares programs from multiple banks in one application. Instead of getting a yes-or-no from a single lender, you get matched to the best available option for your credit profile.
Pay off your roof within 18 months and owe zero interest. The full project cost is divided into equal monthly payments with no interest charges as long as you pay on time.
Homeowners who can pay off the balance within a year and a half
Spread your roof cost over up to 20 years. Monthly payments drop substantially compared to shorter terms, making even large projects manageable.
Homeowners who need the lowest possible monthly payment
Backed by your home equity, these loans carry lower rates than unsecured options and cover amounts between $25,000 and $400,000.
Larger projects or homeowners who want the lowest rate
Our multi-lender platform matches homeowners with 550+ FICO scores to the right program. Where single-bank programs turn people away, we find options.
Homeowners whose credit has taken a hit
Estimate your monthly payment
Adjust the numbers below or pick from our recommended options. Your estimate updates instantly.
Enter your current monthly premium, then pick a roof type to estimate savings.
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Estimates only. Actual rates and terms depend on credit approval. Insurance discounts are typical ranges based on Texas and Louisiana rate filings and vary by carrier, location, roof age, and policy. Call us for exact numbers.
Why finance your roof through Lapeyre Roofing?
Multiple lenders compete for your business
Most roofing contractors use one bank. If that bank says no, you are out of luck. Our platform runs your application through multiple lenders simultaneously, so you see the best available rate and terms. According to the Consumer Financial Protection Bureau, comparing offers from multiple lenders can save borrowers thousands over the life of a loan.
Your roof is installed by GAF Master Elite contractors
Financing gets you the roof, but the installation quality is what protects your home. Less than 2% of roofing contractors in North America earn GAF Master Elite certification. We are also certified FORTIFIED evaluators in Louisiana, which can qualify your home for insurance discounts of 25% to 55% according to the Insurance Institute for Business & Home Safety.
We get paid by the lender, not by you
Once your loan is approved and your roof is installed, the lender pays us directly. You make monthly payments to the lender, and that is the entire arrangement. From your side, it works like a cash sale except the payments are spread out.
Insurance claim coordination included
If your roof has storm damage, we can handle the insurance claim and coordinate financing to cover your deductible or material upgrades. About 40% of our Texas projects involve some level of insurance work, so our team knows the process inside out.
Frequently asked questions about roof financing
Common questions about our financing programs, eligibility, and terms.
Get pre-qualified for roof financing
Use our calculator to see exact monthly payment numbers for your project, then call us for a free roof inspection and financing consultation.