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Roof Replacement Financing

A New Roof Should Not Have To Wait For A Hailstorm

Most of the roofs we replace are paid for by insurance after storm damage. But shingles age out on their own, and an old roof does not care whether a storm ever shows up. For retail replacements, SWAT Roofing partners with GoodLeap, one of the largest home improvement lenders in the country, so you can replace a failing roof now and pay over time instead of waiting for a leak to force the decision.

How Financing With SWAT Works

  1. Free inspection first. We inspect and document your roof at no cost. If storm damage exists, an insurance claim may cover most of the project and financing may not be needed at all. We check that first, every time.
  2. A written line-item price. You get the same honest number whether you pay cash, finance, or file a claim. See our [cost guide](/roof-replacement-cost/) for what replacements typically run in DFW.
  3. Pre-qualify in minutes. GoodLeap pre-qualification uses a soft credit pull that does not affect your credit score, can be completed from your phone during the estimate, and decisions typically come back in minutes. Your project manager walks you through the available plans.
  4. We build your roof. Same crews, same materials, same 10-year workmanship warranty as every SWAT roof.

What GoodLeap Financing Looks Like

Program features:

  • $0-down payment options on approved credit
  • Fixed interest rates for the life of the loan
  • No prepayment penalties, pay it off early anytime
  • Flexible terms, commonly five to fifteen years
  • Soft-pull pre-qualification with no credit score impact; a standard inquiry applies only if you finalize the loan
  • Account management through the GoodLeap mobile app
 
Financing pairs especially well with a Class 4 impact-resistant upgrade. Many Texas carriers discount premiums for impact-rated roofs, which helps offset a monthly payment while making your next hail claim less likely.

Financing Frequently Asked Questions (FAQ)

Yes you can! Texas law does require homeowners to pay their deductible, but how it’s paid is completely up to you. Talk to your project manager about payment options for your portion of an insurance project.

Pre-qualifying with one of our Lending Partners uses a soft credit pull that does not impact your score. A standard credit inquiry applies only if you decide to finalize a loan.

Yes. Some homeowners finance upgrades their claim scope does not cover, like moving from standard architectural shingles to Class 4 impact-resistant or metal.

No. Our finance partner loans carry no prepayment penalties, so paying early only saves you interest.

The Next Step...

Start with the free inspection, get a real number, then decide how to pay.
A real price takes a real inspection. We put a drone and an inspector on your roof, document everything, and hand you a written detailed inspection report and quote with zero pressure.

Schedule your free inspection or call 817-501-8660.