Most of the roofs we install in Williamson County are insurance jobs, and the homeowner only pays the deductible. For those, financing is rarely necessary — many homeowners cover the deductible out of pocket. But some roofs aren't insurance jobs: old-age replacement, deferred maintenance, a home addition, or a commercial reroof. For those, we work with three financing partners. They're all real lenders, all soft-pull pre-qualification (no credit-score hit to find out what you qualify for), and all available as a 60-second online application.
We don't get a kickback from any of the three. Holloway selected them because their approval rates are good, their rates are competitive, and their underwriting doesn't require a personal phone call from the homeowner.
The most common product we finance. Up to $35,000 at 0% APR for the first 12 months, then a standard amortizing rate. Soft pre-qualification in 60 seconds. Best for deductible-only finances or homeowners who plan to pay off inside the promo window.
Apply →Longer-term option for larger roofs. Up to $65,000, fixed 5.99% APR amortized over 60 months. Soft pre-qualification. Best for full roof replacements where the homeowner wants a predictable monthly payment instead of a promo-period balloon.
Apply →Aggregator that quotes you across 17 lender partners in one application. APRs from 4.49% to 24.99% depending on credit. Up to $100,000. Best when you want to compare specific lender offers before committing.
Apply →Total application time: 5–8 minutes. You'll get a soft-pull pre-approval decision before you submit a hard application. Most homeowners are funded within 2–3 business days of approval, which means your roof can be installed the same week you sign the contract.
All three of our partners offer a soft-pull pre-qualification that does NOT affect your credit score. You only get a hard pull if you choose to move forward with a specific loan offer. The soft pull takes 60 seconds online and tells you what rates you qualify for.
Yes. All three partners allow prepayment with no penalty. If you use the 12-month 0% APR promo and pay it off in month 11, you owe exactly the financed amount with zero interest.
Yes. Many insurance jobs end up with the homeowner needing to finance just the deductible portion ($1,000–$3,500). All three partners do small loans for this; the 12-month 0% promo is usually the right product for a deductible-only finance.
Approvals start around 640 FICO with our partners. The 0% APR promotional offers usually require 680+. We've helped homeowners with credit in the high 500s find a path through one of the secondary lenders — call us and we'll walk through it without pulling your credit.
The free inspection comes first. Financing decisions come second.