Roof Financing · Murfreesboro, TN
Roof Financing In Murfreesboro, TN
Get the roof you need now and pay over time through our financing partner, Acorn Finance. Checking your options takes a few minutes and won't affect your credit score.
Roof Financing Options In Murfreesboro, TN
A new roof is a big expense, and not every homeowner wants to pay for it all at once. Roof financing lets you spread the cost over monthly payments while we handle the work. We offer financing to homeowners across Murfreesboro and all of Middle Tennessee through Acorn Finance, a lending marketplace that puts multiple lenders to work for you. You can check your rate in minutes without any impact to your credit score, then decide if the numbers make sense on your own timeline. If financing is not right for you, we will tell you straight, the same way we handle everything else. Not sure how much you'd need? Start with our Murfreesboro roof replacement cost guide or try the roof cost calculator. Outside Murfreesboro, see what a new roof costs in Nashville and Middle Tennessee.
What You Can Finance With Us
Financing is not just for full replacements. It covers almost any roofing work you need done, including the costs insurance will not pick up. Here is what homeowners in Middle Tennessee most often finance through us.
A Complete New Roof Replacement
This is the most common reason homeowners finance. You get a brand new roof now and pay for it over time instead of in one lump sum.
Storm And Hail Repair Work
When damage is not fully covered, financing covers the difference. You get the roof fixed right away and settle the cost on a monthly schedule.
The Deductible On Your Claim
Insurance covers the storm damage, but you still owe your deductible. Financing lets you cover that amount without draining your savings.
Gutters, Ventilation And Upgrades
Add the extras that protect your roof properly. Gutters, ridge vents and material upgrades can all roll into the same monthly payment.
Emergency And Urgent Repairs
When a leak cannot wait for payday, financing gets the work started now. We protect the house first and settle the cost on terms you choose.
Financing Through Acorn Finance
We do not lend the money ourselves, and we do not push you toward one bank. Acorn Finance puts more than 20 lenders in competition for your business, and you keep control the whole way through.
A lending marketplace, not a single lender. You see multiple real offers side by side and choose the one that fits.
No Impact To Your Credit Score
Checking your rate is a soft pull. Your score is untouched unless you choose a lender and decide to move forward.
Offers From More Than 20 Lenders
You compare real rates and terms in one place instead of applying at a handful of banks one at a time.
Funding In As Little As One Day
Once you accept an offer, funds can arrive in as little as one business day. That lets us get your roof on the schedule without a long wait.
No Cost To Use It
Acorn Finance is free for you to use and is paid by the lender, not by you. You only repay the loan you choose, on the terms you agreed to.
How Roof Financing Works
Three steps, and you never commit to anything before you see real numbers.
Get Your Free Written Estimate
We inspect your roof, show you photos of what we find, and give you an itemized written quote. You know the full price before financing ever enters the picture.
Check Your Options With Acorn Finance
Fill out a short form through our partner Acorn Finance. It's a soft credit check that won't affect your credit score, and you see offers from multiple lenders side by side.
Pick An Offer And We Schedule Your Roof
Choose the payment that fits your budget, or walk away if none do. Once your loan is approved and funded, we put your project on the schedule. Most roof replacements take about 1 day on average.
Prequalify Without Hurting Your Credit
The biggest worry we hear about financing is whether checking your rate will damage your credit score. It will not. When you prequalify through Acorn Finance, the check is a soft pull that has no effect on your score. A hard credit inquiry only happens later, and only if you choose a specific lender and decide to move forward. That means you can see the offers you prequalify for, weigh them against paying out of pocket, and walk away with no cost and no credit hit if you change your mind.
Who Roof Financing Is A Good Fit For
Financing isn't for everyone, and we'll tell you if paying out of pocket makes more sense. These are the homeowners it helps most.
Storm Damage Insurance Won't Fully Cover
Hail or wind hit your roof, and the claim doesn't cover everything, or you still owe the deductible. Financing covers the gap so the repair doesn't wait.
A Full Roof Replacement
Your roof is at the end of its life and a new one came up sooner than you planned. Financing lets you replace it now and pay over time.
An Upgrade To Metal
Metal lasts longer than shingles, but it costs more up front. Financing makes the upgrade easier to fit into a monthly budget.
An Aging Roof Before Winter
Ice storms and freezing nights find every weak spot. If your roof won't make it through another Middle Tennessee winter, financing lets you fix it before the cold sets in.
Homeowners Who Want To Keep Their Savings
Some homeowners could pay cash but would rather keep that money set aside for emergencies. Financing lets you protect the home and your savings.
What Middle Tennessee Homeowners Say
What Middle Tennessee Homeowners Say
Why Murfreesboro Homeowners Finance With Roof Troops
The loan is the easy part. What matters is who's on your roof.
Veteran-Owned
Founded by Navy Combat Veteran Don Hane. We show up when we say we will and do what we said we'd do.
Founded In 2010
Founded in 2010, with 4,160+ projects on roofs all over Middle Tennessee.
A-Rated With The BBB
Licensed and insured in Tennessee, Contractor License #84570.
Lifetime Workmanship Warranty
If it's our workmanship, we make it right for as long as you own your home.
Certified By 5 Manufacturers
GAF, CertainTeed, Owens Corning, TAMKO, and Malarkey, so your material warranty holds.
Our Own Crews Only
No subcontractors. The people on your roof answer to us.
A Written Quote Up Front
Financed or not, if something changes the scope, we call you before the cost changes.
Roof Financing Questions, Answered
Will checking my rate hurt my credit score?
No. Prequalifying through Acorn Finance is a soft credit check with no impact on your score. A hard inquiry only happens if you choose a lender and move forward.
Which roofing contractors offer financing in Murfreesboro?
Roof Troops does. We offer roof financing through Acorn Finance, a lending marketplace, and checking your options is a soft credit check that won’t affect your credit score. Financing works for replacements, repairs and metal roofs across our nine-county service area. Start with a free written estimate from our own crews, then pick the offer that fits. Roof Troops is not a lender.
Is approval guaranteed?
No. Roof Troops is not a lender, and neither is Acorn Finance. Each lending partner reviews your credit and makes its own decision. Because checking your options won't affect your credit score, you can see where you stand before you decide anything.
Can I get financing with less-than-perfect credit?
It may be possible. Acorn Finance works with more than 20 lenders, and some look at more than your credit score. You'll see any offers you prequalify for before you commit to anything.
How much can I borrow for a roof?
Through Acorn Finance, loan amounts go up to $100,000, and terms can reach up to 20 years for applicants with excellent credit. Your actual amount, rate, and term depend on the lender and your credit profile.
Can I finance a metal roof?
Yes. A metal roof can be financed through Acorn Finance the same way as a shingle roof. Ask us for a written estimate on metal, and on shingles too if you want to compare, then check your options and pick the payment that fits.
Can I finance storm damage repairs?
Yes. If insurance won't cover all of the damage, you can finance the difference or the full repair. We document the damage with photos and a written estimate you can share with your insurance company. The claim itself stays between you and your insurer.
Can I finance my insurance deductible?
Yes. If insurance covers your storm damage, you can finance the deductible you still owe. That keeps your out-of-pocket cost low while your roof gets repaired. To be clear, Roof Troops never waives, absorbs, or rebates a deductible. Financing doesn't change what you owe; it just changes when you pay it.
My roof is getting old. Should I replace it before winter?
If your roof is near the end of its life, fall is a good time to have it inspected. We'll tell you honestly whether a repair will get you through winter or a replacement makes more sense. If it's time to replace, financing lets you get it done before freezing weather instead of waiting until you've saved the full amount.
How fast can I get the money?
Checking offers takes a few minutes. If you're approved and accept an offer, some lenders fund as soon as the next business day. Timing depends on the lender.
Are there fees?
Acorn doesn't charge you to check offers. Some lenders charge an origination fee, usually 1% to 6% on smaller loans. No-fee offers are marked on your offers page. None of the lenders charge a prepayment penalty.
Do I need an estimate before I apply?
It helps. With our free written estimate in hand, you know exactly how much to request. You can also check your options first to see what's available.
Is financing available outside Murfreesboro?
Yes. Financing through Acorn Finance is available to homeowners across our service area: Rutherford, Davidson, Williamson, Maury, Coffee, Bedford, Wilson, Sumner, and Warren counties.
Does Roof Troops lend the money?
No. We connect you to lenders through Acorn Finance, and they fund the loan. We get paid for the work, and you pay the lender over time.
Let's Get Your Roof Handled
Start with a free inspection and a written price. Then check your financing options with Acorn Finance in minutes, with no pressure and no impact to your credit score. Roof Troops is Veteran-owned, A+ rated with the BBB, and open 24 hours every day. Protect the Home. Earn the Trust.
Next steps: get a price range with our instant roof estimate, see what is included in a roof replacement, read about our warranty, keep your new roof in shape with the Home Guard maintenance plan, or book your free inspection.
Roof Troops Roofing LLC · 582 Sharondale Dr, Murfreesboro, TN 37129 · 615-258-9977
Financing is offered through Acorn Finance, which is not a lender but partners with lenders to make loans available to you. Roof Troops Roofing LLC is not a lender and does not make credit decisions. All loans are subject to credit review and approval by the lending partner, and approval is not guaranteed. Loan amounts, rates, APRs, terms, and fees vary by lender and by your credit profile. Some lenders charge an origination fee of 1% to 6%, which may be deducted from the loan amount or added to it. Checking offers uses a soft credit inquiry that does not affect your credit score; a lending partner will perform a hard credit inquiry if you choose an offer and proceed, which may affect your credit score. If approved, funding times vary by lender. Roof Troops does not waive, absorb, or rebate insurance deductibles.
Proudly Serving Murfreesboro & Nearby Cities
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Book Your Free Inspection
Want to pay over time? We offer roof financing through our partner Acorn Finance, and checking your options won’t affect your credit score.