Flexible solutions to help you move forward with confidence.
Roof repairs and replacements aren’t always planned — and cost uncertainty can cause homeowners to delay important work. Financing can be a helpful tool, allowing you to protect your home now while spreading payments over time.
Gilstrap Roofing offers financing options through trusted partners, designed to give homeowners flexibility without pressure or obligation.
When Financing Makes Sense
Financing may be a good option when:
- A roof issue needs attention sooner rather than later
- Insurance doesn’t fully cover repairs or replacement
- You prefer to preserve savings or cash flow
- You want predictable monthly payments
- A long-term roofing investment fits better over time
Choosing financing is always optional — our role is to help you understand what’s available so you can decide what works best for your situation.
Financing Options Available
We work with established financing partners, including SIVA, to offer plans that may include:
- 0% down payment options
- Same-as-cash programs (when available)
- Monthly payment plans
- Options for a variety of credit situations, including challenged credit
Available plans vary based on approval and program terms. We’ll help explain current options clearly and answer questions without pressure.
How Financing Fits into the Roofing Process
Financing is discussed after we understand your roof — not before. Financing is a tool and not a requirement.
Our process:
- Assess your roof and determine whether repair or replacement is needed
- Explain recommended options and estimated costs
- Review financing options if you’d like to explore them
- Help you choose the path that fits your home and budget
Financing vs. Insurance
Insurance and financing serve different purposes.
- Insurance may help cover storm-related damage when applicable
- Financing helps manage out-of-pocket costs or non-covered work
Some homeowners use both together. Others choose one or neither. We help explain how each option fits into your situation so you can make informed decisions.
Common Financing Questions
Not Sure If Financing Is Right for You?
That’s completely normal.
We’re happy to answer questions, explain options, and help you decide whether financing makes sense — without pressure.