Roof Financing in Midland, TX
★ 4.9 from 500+ Google reviews · Owens Corning Platinum Preferred · MRT Readers’ Choice Gold 2018–2026
Roof Financing
Pay for Your Roof Over Time
A leaking roof or a hail-damaged one shouldn’t have to wait until the money is in the bank. Roofs by Nicholas offers financing through Wisetack for roof repairs and replacements, including the deductible on an insurance claim.
Rates from 0% APR. Prequalify in a few minutes with your mobile number, and checking your options won’t affect your credit score. Check your financing options with Wisetack.
How It Works
- 1. Get your free written estimate. We inspect the roof, photograph what we find, and give you a written price.
- 2. Prequalify online. Enter your mobile number on Wisetack’s secure form. Checking eligibility doesn’t affect your credit score.
- 3. See your offers. Prequalification shows an estimate of how much you can borrow and on which terms. Your actual terms come from the full application.
- 4. Pick a plan, and we schedule your roof.
What You Can Finance
Roof Repairs
From a few missing shingles to storm damage. Roof repairs start at $385.
Roof Replacements
Full replacements with standard or Class 4 impact-resistant shingles, installed with tear-off of the old roof.
Metal Roofs
Standing seam and exposed-fastener metal roofs for homes, shops and barns.
Your Insurance Deductible
Texas law doesn’t allow a roofer to pay or waive your deductible, but financing can cover it.
Warranty Upgrades
Owens Corning Platinum Protection extends workmanship coverage up to 25 years for an added cost.
See roof repair, residential roofing and metal roofing for what each job includes, or tap Instant Quote for a price range on your own roof.
Good to Know
- Rates from 0% APR. Offers range from 0% to 35.9% APR, based on the amount and your creditworthiness.
- No hidden fees, no prepaid finance charges and no participation fees.
- Subject to credit approval. Terms vary, and not every applicant will qualify for 0% APR.
Filing a storm claim? See how roof insurance claims work with us and how financing fits in.
Financing is offered through Wisetack. All financing is subject to credit approval. Rates range from 0% to 35.9% APR. Terms vary and are based on the amount financed and your creditworthiness. Not all applicants qualify for 0% APR, and state rate caps may apply. Prequalification is an estimate; actual terms come from the full application.
Why Homeowners Choose Roofs by Nicholas
Local Since 1988
Our crews work in West Texas heat, wind, and hail every season. We know how those conditions wear down a roof and where leaks usually start.
Fast Leak Protection
If water is getting in, we’ll tarp or seal the area as soon as it’s safe, then schedule the permanent repair.
Straight Answers
You get photos of what we find, a written estimate, and a realistic schedule before any work begins. If a repair will do, we’ll tell you.
Roof Financing Questions
Will checking my financing options hurt my credit?
No. Prequalifying through Wisetack doesn’t affect your credit score. Your actual terms are set when you complete the full application.
Can I finance my insurance deductible?
Yes. Texas law makes the deductible yours to pay and doesn’t allow a roofer to cover or waive it, but Wisetack financing can be used to pay it.
Do I have to decide on financing at the estimate?
No. Ask about financing during your free estimate, or prequalify online first so you know your options before we talk.
Is there a cost to apply?
No. There are no hidden fees, prepaid finance charges or participation fees.
What rates are available?
Rates start at 0% APR. Offers range from 0% to 35.9% APR based on the amount financed and your creditworthiness, and they’re subject to credit approval.
Roofing Services Available
Free written estimates. Phones answered 24/7.
We proudly serve homes and businesses throughout Midland, Odessa, Big Spring, and surrounding areas.
