Roof Financing

Two paths. For smaller invoices, deposits, and repair work, you can choose Klarna installments at our Stripe Checkout page — soft credit check, decision in seconds, Klarna sets the terms. For larger projects (full re-roofs that may exceed Klarna's limits), qualifying NM homeowners can apply directly to Homewise — an independent NM nonprofit lender offering fixed-rate home improvement loans. The two are separate; you choose which fits.

Klarna's available plans depend on the invoice amount, your location, and your Klarna account. For US customers, Klarna may offer: Pay in 30 days, Pay in 3 or Pay in 4 (split into biweekly payments), or longer financing of up to 36 months. Klarna determines which plans appear at checkout — we don't choose for you. You'll see your specific options and terms before confirming.

Pay in 4 and Pay in 30 are interest-free when paid on time, per Klarna. Longer financing plans carry interest at 0% to 35.99% APR based on your creditworthiness, subject to credit approval and Klarna's terms. Klarna shows the exact APR, payment schedule, and total cost before you confirm — review carefully.

Klarna's longer financing tops out at around $10,000 per transaction, with shorter plans (Pay in 4, Pay in 30) capped lower. That means Klarna is well-suited for repairs, deposits, or smaller scopes — full re-roof invoices that exceed Klarna's limits will not show Klarna as an option at checkout. For larger projects, you can use Klarna for the deposit and another payment method for the balance, or use a credit card / ACH / cash for the full amount.

For Pay in 4 and Pay in 30, Klarna runs a soft credit check that does not affect your credit score, per Klarna. For longer financing, Klarna runs a credit application which may include a hard inquiry and reporting to the credit bureaus. Approval and exact terms are decided by Klarna, not by us — we never see your credit information.

When you receive your deposit invoice or final invoice from us, you'll pay through a secure Stripe Checkout page. If Klarna is available for that amount, it appears as one of the payment methods alongside credit card and ACH. You select Klarna, complete a short application, and pick from whatever plans Klarna offers you.

Cash, personal or cashier's check, ACH bank transfer, and all major credit cards (Visa, Mastercard, American Express, Discover) through Stripe. Larger projects can be split into a deposit at signing and a final balance on completion — Klarna can be used for either if the amount fits Klarna's limits.

Lobo Roofs doesn't add a financing surcharge — the price on your quote is the price you pay us. Klarna may charge interest on longer financing plans (the APR is disclosed before you confirm). Pay in 4 and Pay in 30 are typically interest-free when paid on schedule.

No. You apply directly with Homewise — Lobo is not a Homewise lender, broker, or referral partner, and we don't submit applications on your behalf. Homewise typically asks applicants to obtain three contractor bids and then disburses approved funds for the scope of work. You can apply or learn more at homewise.org or by calling Homewise's Albuquerque office at (505) 243-6566.

Per Homewise's published guidelines: the property must be your primary residence, the home value generally must be under $500,000, and household income generally must be under approximately $103,000 to qualify for the low fixed rate. Specific loan amounts, APR, and term lengths are determined by Homewise on a per-applicant basis. Confirm current eligibility directly with Homewise — terms may change.