Wichita's #1 Roofing Company

Financing & 0% APR Options

Affordable roof replacement financing with 0% APR options – get the roof you need without emptying your savings.

Wichita's Roof Financing Specialists

A new roof is one of the largest home improvement investments you will make. Even with insurance coverage for storm damage, deductibles can run $1,000–$5,000 – and many roofs need replacement due to age or wear, not a covered event. At Wichita Roofing Pros, we partner with leading home improvement lenders to offer flexible financing options that fit every budget, including 0% APR terms for qualified borrowers.

Our financing partners include Greensky, Wisetack, and Hearth – all specialize in home improvement lending with fast approvals, no prepayment penalties, and payment terms from 6 to 144 months. You apply online in minutes, get a real-time decision, and choose the payment plan that works for you. 0% APR options are typically available for 12, 18, or 24-month terms – pay off the full balance within that window and pay zero interest.

We also offer traditional fixed-rate loans for homeowners who prefer lower monthly payments over longer terms. No down payment is required on approved credit. Our team helps you compare options, explains the terms clearly, and handles all paperwork – so you can approve your roof replacement today without draining your emergency fund or maxing out high-interest credit cards.

Roofs Replaced
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Serving Wichita
0 Yrs
Average Google Rating
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What Our Financing Options Include

0% APR Promotional Periods

12, 18, or 24-month interest-free financing – pay no interest if the full balance is paid within the promotional window. Perfect for insurance deductibles.

Extended Term Fixed-Rate Loans

24 to 144-month terms with fixed interest rates and no prepayment penalties. Lower monthly payments for larger replacement projects.

No Down Payment Required

Qualified borrowers can finance 100% of the project cost – no upfront cash needed. Your first payment is due 30–60 days after project completion.

Fast Online Application & Instant Decision

Apply in 5–10 minutes from your phone or computer. Most applicants receive a credit decision within 60 seconds – no impact on your credit score until you accept an offer.

Financing Partners & Terms

Wisetack – 0% APR 12/18/24 Months

No interest if paid in full within 12, 18, or 24 months. Fixed monthly payments. No prepayment penalty. Minimum credit score typically 600+.

Greensky – Fixed-Rate Loans

6 to 144-month terms. Rates from 4.99% to 19.99% APR based on credit. Loans up to $100,000. No fees or prepayment penalties. Decisions in seconds.

Hearth – Flexible Home Improvement Loans

12 to 120-month terms. Soft credit check for prequalification. Funds deposited directly to your account – you pay us like any other contractor. No down payment required.

Same-As-Cash Option

Same-as-cash financing for 6 or 12 months – pay no interest if paid in full by the end date. Interest accrues from day one but is waived if paid on time.

Brands We Trust & Install

Roof Financing Process

How to Get Approved and Schedule Your Roof Replacement

Step 1 – Request a Quote & Financing Info

Schedule your free roof inspection. If replacement is recommended, we provide a written estimate and explain the financing options available for your project total.

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Step 2 – Choose Your Lender & Apply Online

We provide a direct link to the application for your chosen lender. Fill out the short form – most approvals take less than 5 minutes. No obligation to proceed.

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Step 3 – Review & Accept Loan Terms

Read the disclosure documents carefully. Accept the loan terms online or over the phone. Funds are typically available within 1–2 business days.

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Step 4 – Schedule Installation & Make Payments

Once financing is confirmed, we schedule your roof replacement. Make payments directly to your lender according to your chosen term – no payments to us after the down payment (if any).

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Residential Roofing FAQ

What credit score do I need for 0% APR roof financing?
Most 0% APR promotional offers require a credit score of 600 or higher. Each lender has different criteria – some approve scores as low as 580 for shorter 0% terms. If you are declined for 0% APR, you may still qualify for a fixed-rate loan with a higher rate. We can pre-qualify you with a soft credit pull that does not affect your score.
No. Our partner lenders do not charge application fees, origination fees, or prepayment penalties. The APR and payment schedule are fully disclosed before you accept. If you pay off a 0% APR loan early, you owe only the remaining principal – no penalty. For fixed-rate loans, paying extra each month or paying off the balance early saves you interest with no penalty.
Yes – many homeowners use financing to cover their deductible while the insurance company pays the rest directly to us. For example, if your deductible is $2,500 and insurance approves $15,000, you can finance the $2,500 with a 0% APR 12-month term and pay it off over a year. We can split the billing accordingly.
Online applications take 5–10 minutes to complete. Most applicants receive an instant decision (approval, conditional approval, or decline). If approved, you can review and accept terms immediately. Funds are typically available within 1–2 business days – we can schedule your roof as soon as the loan is finalized.
Yes – financing is available for any project over $1,000, including major repairs, partial replacements, gutter installations, and siding work. For small repairs under $1,000, we accept cash, check, or credit card. Our financing minimum varies by lender – typically $1,000 to $2,500 depending on the term.

Start Your Roofing Project with Our Professionals!

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Get the Roof You Need Today – Apply for Financing

Request your free roof inspection and financing pre-qualification – no obligation, no hard credit pull until you choose to accept an offer.