Flexible Financing Options
Flexible Financing Options | Siding Solutions | Roofing | La Follette
Whether a sudden storm has left your roof worse for wear or your home’s exterior is ready for a fresh, energy-efficient upgrade, HEP has La Follette covered. Our team pairs time-tested craftsmanship with innovative siding solutions, giving you the freedom to choose materials and styles that protect, beautify, and boost the value of your property—without the stress of a hefty upfront payment.
With HEP’s flexible financing options, you can break project costs into manageable monthly payments, enjoy same-day credit decisions, and get started on your renovation right away. Zero-interest plans, low-interest terms, and no-penalty early payoffs mean you stay in control of your budget while we handle every shingle and panel. Reach out today and see how easy it is to transform your home’s exterior on terms that fit your life.
FAQs
What types of flexible financing plans do you offer for roofing and siding projects in La Follette?
We partner with several regional and national lenders to give homeowners multiple choices. Plans range from 6–18-month “same-as-cash” promotions with 0 % interest if paid in full, to fixed-rate installment loans that stretch payments over 36, 60, 84 or even 120 months. Loan amounts start at $1,000 and can cover 100 % of the project cost—including tear-off, materials, labor, permits, and any needed structural repairs—so no out-of-pocket deposit is required. Because every budget is different, we’ll help you compare monthly payment amounts, total interest costs, and early-payoff options to find the plan that best fits your financial goals.
How fast and easy is the approval process?
Most customers receive a lending decision in less than 10 minutes. You can apply online from your phone, tablet, or our project manager’s iPad during the inspection. The application only asks for basic personal and employment information and performs a soft credit pull, so there is no impact on your credit score just to see your options. Once you select a plan and electronically sign the agreement, funds are reserved immediately, allowing us to schedule material deliveries and secure your installation date without delay.
Are there zero-interest or low-interest options available?
Yes. For qualified homeowners, we routinely secure 0 % interest plans for 6, 12, or 18 months. These are ideal if you anticipate an insurance reimbursement, tax refund, or bonus that will let you pay off the balance quickly. If you prefer to spread payments over a longer horizon, fixed APR loans with rates as low as 6.99 % are available for terms up to 10 years. Unlike credit-card revolving debt, these loans have a preset end date and no surprise rate hikes, giving you predictable budgeting throughout the life of the loan.
Can I finance both a new roof and new siding in the same loan?
Absolutely. Our financing partners allow you to bundle multiple exterior improvements—shingles, metal roofing, vinyl or fiber-cement siding, gutters, soffit, and even insulation—into one simple loan. Combining projects can save on labor mobilization costs and often qualifies you for larger promotional discounts from manufacturers. Just tell our estimator which upgrades you’re considering; we’ll create a single comprehensive quote and submit the total amount for financing so you have one low monthly payment instead of managing separate loans.
Will applying for financing hurt my credit score?
The initial pre-qualification uses a soft inquiry, which does not appear on your credit report or affect your score. If you decide to move forward and finalize the loan, the lender will perform a hard inquiry, resulting in a minimal, temporary impact—typically 3–5 points. Making on-time payments can actually improve your credit profile over the long term, because installment loans add positive payment history and diversify your credit mix.
How do I get started with the financing application?
1. Schedule a free, no-obligation roof and siding inspection by calling our La Follette office or booking online. 2. After we measure and assess your home, you’ll receive a detailed written estimate and a link to the secure financing portal. 3. Choose the plan you prefer, enter your information, and submit—most approvals arrive within minutes. 4. Review and e-sign the loan documents; we’ll then collect any documents the lender needs (proof of income, ID, etc.). 5. Once funds are set aside, we order materials, pull permits, and lock in your installation date. Throughout the process our financing specialist is available to answer questions and make sure you’re comfortable with every step.