Financing Options
Financing Options | Roofing Done Right | Roofing | Chattanooga
When your Chattanooga home needs a new roof, the last thing you want standing in the way is budget stress. That’s why HEP makes it simple to secure flexible financing—often with same-day approval, competitive rates, and zero-down options. Whether you prefer short-term, interest-free plans or extended low-monthly-payment terms, our financing partners tailor solutions to fit your household’s cash flow, so you can schedule repairs or a full replacement without delay.
Pair that convenience with 24/7 project updates, factory-certified materials, and workmanship warranties that stretch for decades, and you’ll see why locals call our process “roofing done right.” With HEP, you invest in peace of mind today and predictable payments tomorrow, all backed by a Chattanooga team that treats your home like their own. Ready to protect your biggest investment? Let’s get you pre-qualified in minutes and under a brand-new roof in no time.
FAQs
What types of financing plans do you offer for roof replacements in Chattanooga?
Roofing Done Right partners with several regional lenders to provide a range of options, including same-as-cash plans (0% interest if paid in full within 12 months), traditional installment loans with terms from 3 to 15 years, and low-monthly-payment promotional plans that start under $100 per month for many average-sized roofs. All plans are unsecured, so you won’t have to use your home as collateral, and there are no upfront lender fees.
How do I apply and how fast can I be approved?
You can start the application in one of three ways: (1) click the secure “Apply for Financing” button on this page, (2) call our office and we’ll text or email you a link, or (3) have your project manager submit the application from your home after the inspection. The form takes about five minutes to complete, requires only basic personal and income information, and generates a soft credit inquiry that does not affect your score. Most customers receive an approval decision in 15–60 seconds; complex applications may take up to one business day.
Do I need perfect credit to qualify?
No. While prime-rate programs are designed for credit scores of 680 and above, we also offer second-look and “near-prime” options for scores down to 580. For homeowners with limited credit history, we can often add a co-applicant to strengthen the application. If your score is below 580, speak with our financing coordinator—we may still be able to secure short-term in-house financing or split payments over the project timeline.
What interest rates and payment terms should I expect?
Rates currently start at 5.99 % APR for well-qualified borrowers on 3- and 5-year terms. Standard installment plans average 8–14 % APR with 7-, 10-, and 15-year options. Same-as-cash promotions carry 0 % interest when the balance is paid before the promotional period ends; afterward, the rate reverts to the contract APR. Your exact rate depends on credit profile, loan amount, and selected term, and you’ll see all figures before you sign—no hidden surprises.
Can financing cover my insurance deductible or unexpected repairs discovered during the job?
Yes. Your loan can be written for the total project cost, including insurance deductibles, decking replacement, gutter upgrades, and any change orders that arise once the old roof is removed. If the final cost is lower than expected, we simply adjust the loan documents before funding so you never borrow more than you need.
Is there a penalty for paying off my roofing loan early?
All of our consumer roofing loans carry NO prepayment penalties. Whether you want to make an extra payment every year, refinance, or pay the balance in full after selling your home, you can do so at any time without fees or added interest. Early payoff can significantly reduce the total cost of the project.