10 Best Roofing Companies That Offer Financing to Homeowners

Is your roof damaged and you desperately want to get it fixed or wholly replaced but financing is posing as a constraint? We will guide you through some top roofing companies that offer financing options to homeowners to help them cover the cost of roof repairs or replacements.


It’s worth noting that these companies’ financing options can vary in terms of their eligibility, interest, repayment plans, etc. In addition, some of the companies listed below, are not direct roofing companies but can help connect you with local contractors that offer financing.

Roofing companies that offer financing to homeowners

Here are a few roofing companies that have been known to offer financing options:


1: Home Depot Home Services

Our first on the list is Home Depot Home Services. This company offers various financing options to homeowners. A good option is the “Project Loan”. The project loan financing option helps in facilitating large home improvement projects like roofing.

To apply for this financing option, a credit check, verification of income, along with other financial factors will be checked. The loans come with fixed monthly repayments.

Furthermore, you can visit their site to get more info on their financing plans, interest rates, and eligibility.

Related: In-House Financing Car Lots: Here’s All You Need To Get Started

2: GAF Roofing

As one of the oldest names in the roofing industry, GAF has grown to be one of the largest roofing companies in North America with about $3 billion in sales. GAF itself does not provide financing to homeowners or consumers but many GAF factory-certified contractors do offer financing. You can find a contractor and get started on your roof repair or replacement today.

Note that, “Contractors enrolled in GAF certification programs are not employees or agents of GAF, and GAF does not control or otherwise supervise these independent businesses…”.

3: Sears Home Services

Sears Home Services is closer to you now than ever before. Known for its superior services like appliance repair, home improvement, and appliance maintenance projects, Sears Home Services, is ready to offer you financing on your HAVC replacement, Windows, Entry Doors, Siding, Roofing, and Whole Home Generator purchase.

They also offer flexible repayment plans that span 18 months for consumers with competitive interest rates. Interestingly, if you can pay in full within 18 months, you won’t be required to pay interest.

Book a free consultation today with Sears Home Services to get started.

4: Owens Corning Roofing

Another reputable brand that offers financing options to homeowners is Owens Corning Roofing. Just like GAF, The Owens does not directly offer financing to homeowners, but with their contractor financing, you can have access to financing for your roof project.

Many of their contractors offer a range of financing options that can assist qualified homeowners take advantage of installment loan solutions. They offer convenient interest rate rates, with extended repayment terms.

The application process is quite straightforward with minimal paper work and convenient monthly payment plans. You can find a contractor at Owens Corning Roofing today.

5: RoofClaim

If your insurance won’t cover your roof repair, then you should try the RoofClaim home equity loans. You can apply for financing with RoofClaim with zero money down(No down payment).

You can get as high as 5 and 10 years of financing options, with a quick approval process.

Note that RoofClaim only provides financing for Florida roofs. Do you reside in Florida? You can see if you qualify for a roofing loan today.

Related: Home Insurance Claim Adjuster Secret Tactics You Need to Know

6: Lowe’s Roofing Services

Like Home Depot Home Services, Lowe’s Roofing Services can assist you with 120 months of special financing for your roofing project. Lowe’s project funding comes with a flexible repayment plan along with a favorable interest rate.

To access this special financing, homeowners are subject to credit approval and other financial factors. Get started with Lowe’s Roofing Services today.

7: CertainTeed Roofing

CertainTeed is a reputable roofing manufacturer. They work with contractors to offer financing for home improvement projects like roofing. Some contractors may offer financing plans through various lenders, So it is important you know how much of a down payment is required and the due dates of future payments.

You can find a contractor today to get started on your roof repair or replacement project.

8: Allied Roofing and Sheet Metal

Financing has never been this easy. With Allied Roofing and Metal Sheet, You can receive adequate financing to carry on your roof replacement or repair project. As a GAF-certified roofing contractor, they can help you achieve your financing goals through their financing plans.

Get started with Allied Roofing and Sheet Metal today.

Related: Reasons Insurance Companies Deny Fire Claims

9: HomeAdvisor

While HomeAdvisor is not a roofing company itself, It can help connect homeowners with local contractors, and some of these contractors might offer financing options. You can connect with them to check out their roofing contractor listings on their website.

10: Modernize

Modernize is an online platform that connects homeowners with local roofing contractors that offer financing options. You should expect varying financing from contractors offered by this platform. Don’t forget your credit score will be the major factor in determining the terms and conditions of your loan.

Connect with contractors at Modernize to find out more.

What to do when you contact roofing companies

When you reach out to any of the recommended roofing companies or contractors above, make sure you re-evaluate their interest rates, repayment periods, and any potential fees. Secondly, you can make comparisons of which company best fits your budget and style.

And lastly, which will be the major determinant here is your credit score. A good credit score puts you in a pole position when applying for financing.

In Conclusion

Remember that while financing can make roof repairs or replacements more affordable upfront, you’ll ultimately need to repay the financed amount, often with interest. Carefully consider your financial situation and the long-term impact of the financing arrangement before committing to a roofing project.

FAQs on Roofing Companies That Offer Financing

Do roofing companies really offer financing options?

Yes, many roofing companies offer financing options to help homeowners manage the costs of roof repairs or replacements. Financing can make it more affordable to address roofing issues quickly.

What types of roof financing options are available?

Financing options typically include credit cards, personal loans, home equity loans, lines of credit, and specific roofing loan programs. Each option comes with its own terms, interest rates, and repayment plans.

Related: When Do Insurance Companies Start Surveillance

What factors determine eligibility for financing?

Several factors could impact your eligibility and facilitation of financing to you. Most times, your credit score, employment status, and income are the huge factors that determine your eligibility.

Is good credit necessary for roofing financing?

While some companies might consider less-than-perfect credit scores, their terms might probably be unfavorable for you. On that note, having a good credit score helps in optimizing your application process and also allows the companies to provide you with flexible terms, interest, and repayment plans.

Are there any hidden fees in roofing financing?

Some financing options may come with origination fees, prepayment penalties, or other hidden charges. It’s essential to read the terms and ask about any potential fees before committing.

Can I pay off the financing early?

Yes, you can pay off financing early. This can also save you from paying interest.

Should I get multiple quotes before committing to financing?

Yes, it’s a good idea to obtain quotes from multiple roofing companies and compare their financing offers.

Can I negotiate the terms of roofing financing?

Depending on the roofing company and financing provider, negotiation could be allowed.