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Roof Financing
New Roof from $79/mo in Virginia Beach & Hampton Roads
At Wholesale Roofers, we've always believed that getting a quality roof starts with making it affordable. Years ago, we became one of the first roofing companies in Hampton Roads to bring monthly payment options to the forefront of the roofing industry and our message has stayed the same ever since.
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​Our goal is simple: make it easy for Virginia Beach and Hampton Roads homeowners to protect their homes without having to delay important roofing work because of cost. Whether you need a full roof replacement, a significant repair, or storm damage restoration, flexible financing options are available to help you move forward with confidence.
Why Financing a New Roof Makes Sense
Roof damage and deterioration rarely happen at a convenient time. A leak that starts small doesn't stay small. Water intrusion that goes unaddressed can damage roof decking, insulation, framing, and interior finishes, turning what could have been a straightforward roof replacement into a significantly more expensive repair project.
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Financing allows Hampton Roads homeowners to move forward with needed roofing work immediately, before small problems become large ones, and pay over time in manageable monthly payments. With many projects qualifying for little or no money down, homeowners can often get started much sooner than they expected.
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And because Wholesale Roofers' wholesale purchasing model reduces the total cost of your project from the start, your monthly financing payment is lower than what you'd pay financing the same roof through a contractor paying retail material prices.
New Roof From $79/month
At Wholesale Roofers, we buy roofing materials in bulk and pass the wholesale savings directly to you with industry-leading materials, highly skilled installers, and exceptional value that no standard roofing contractor can match.​
Financing Options Available Through Wholesale Roofers
Just as we've leveraged our manufacturer relationships to secure wholesale pricing on premium GAF roofing materials, we've spent years building financing relationships that provide real flexibility and value for our customers. Available programs may include:
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$0 Down Financing - get started with no money out of pocket for qualified buyers
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Low Monthly Payment Options - new roofs starting from $79 per month for qualified buyers
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No Payments for Promotional Periods - defer payments during promotional financing windows
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Zero Interest Programs - interest-free options available for qualified buyers
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Long-Term Financing Options - flexible loan terms designed to fit different budget situations
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No Prepayment Penalties - pay off your project early at any time without fees or penalties
Because every homeowner's financial situation is different, we work to find financing solutions that genuinely fit your budget and goals, not a one-size-fits-all program.
No Prepayment Penalties - Ever
Flexibility isn't just about getting started, it's about staying in control throughout the life of your financing.
Every Wholesale Roofers financing program is structured so you can pay off your project early without facing prepayment penalties or fees.
That means you can:
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Make your regular minimum monthly payments on your own schedule
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Make additional payments at any time to pay down the balance faster
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Pay off the full balance early whenever it makes sense for you
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Refinance later if your financial situation changes
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You are never locked into a financing plan longer than you want to be. That flexibility is built into every program we offer, because we believe the financing experience should be as straightforward and stress-free as the roofing experience itself.
Trusted Lending Partners
Wholesale Roofers has built strong financing relationships with some of the nation's largest and most respected lenders, institutions that homeowners throughout Virginia Beach and Hampton Roads already know and trust:
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Wells Fargo
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Bank of America
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Navy Federal Credit Union
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Aqua Finance
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Foundation Finance
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EnerBank Home Improvement Loans
These aren't random third-party lenders, they're established financial institutions that have chosen to partner with Wholesale Roofers specifically because of our track record of quality installation, premium materials, and verified customer satisfaction.
When our lending partners see a Wholesale Roofers project, they know it's being backed by GAF Master Elite certified installation, premium roofing systems, and a company with a proven record of delivering what it promises.
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That confidence in our work translates directly into better financing terms for our customers - lower rates, more flexible structures, and programs designed around real homeowner needs.
The Wholesale Roofers Financing Advantage
Most roofing contractors offer financing as an afterthought, a third-party program with limited options and terms that don't work for every homeowner.
Wholesale Roofers built its financing program around the same philosophy as everything else we do: find the best options, build the best relationships, and pass the benefits directly to the customer.
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The result is a financing experience that reflects our wholesale model at every level:
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Wholesale pricing on premium GAF materials reduces your total project cost from the start
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Lower total cost means lower monthly financing payments than competitors can offer
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Multiple lender relationships mean more program options and better terms
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No prepayment penalties mean you're never locked in longer than you want to be
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Backed by our Low Price Guarantee - the best value in Hampton Roads, guaranteed
It's possible to get the roof your home deserves - premium materials, expert installation, industry-leading warranties - without breaking your budget. That's been our promise since the beginning, and it's what $79 per month actually means.
Financing for Any Roofing Project
Financing is available for the full range of Wholesale Roofers services throughout Virginia Beach and Hampton Roads:
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Roof Replacement: the most common financing scenario; new roofs from $79/month
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Significant Roof Repairs: financing available for larger repair projects
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Storm Damage Restoration: when insurance covers part of the cost, financing can cover the remainder
Frequently Asked Questions
Roof Financing
Protect Your Home Now - Request Your Free Estimate
Don't let cost be the reason your home goes unprotected. Wholesale Roofers offers flexible financing options throughout Virginia Beach and Hampton Roads - new roofs from $79/month, trusted lenders, no prepayment penalties, and the wholesale pricing advantage that no other Hampton Roads roofing company can match.
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Call Wholesale Roofers today or submit our online estimate form, a real person will answer.