Flexible Financing Options
Flexible Financing Options | Roofing | McDonald
Surprise leaks and storm damage don’t wait for payday, and neither should you. HEP’s flexible financing lets McDonald homeowners tackle essential roofing repairs or full replacements now, then pay over time—with competitive rates, no hidden fees, and quick, hassle-free approvals.
Our local team pairs budget-friendly plans with top-tier craftsmanship, protecting your investment with industry-leading warranties and warm, neighborly service. Ready to begin your next roofing project? Fill out the quick form below or call HEP today, and keep your home covered without compromise.
FAQs
What financing programs do you offer for roof replacement or repair in McDonald?
We partner with several regional lenders to give homeowners multiple choices, including low-APR installment loans (as low as 5.99% for qualified borrowers), 6-, 12-, or 18-month "same-as-cash" plans with no interest if paid in full, and extended terms up to 120 months for larger projects. Because the financing is unsecured, you don’t have to use your home as collateral, and you can receive funding for full roof replacement, partial repair, or upgrades such as impact-resistant shingles.
How do I know if I qualify, and what credit score is required?
Most lenders look for a minimum credit score of 600, but approval is based on a combination of factors that include income, existing debt, and the overall amount you wish to finance. We pre-screen your application with a soft credit pull so you get an instant decision without affecting your score. Even if your credit is less than perfect, we can often find secondary programs or co-sign options to make the project affordable.
Is there a minimum or maximum amount I can finance?
Our financing partners allow loan amounts from $1,000 up to $100,000. That means you can finance a small leak repair or a full tear-off and replacement, including upgrades such as ventilation, insulation, gutters, or skylights. If your project total changes after the initial estimate, we can adjust the financed amount before final loan documents are signed.
How long does the approval process take, and when can roofing work start?
The online application takes about five minutes, and most homeowners receive an approval decision immediately. Funds are typically released to us within 24–48 hours after you e-sign the loan documents. Because we specialize in urgent roof repairs in McDonald, we can schedule your installation as soon as the financing is confirmed—often within the same week for standard shingle jobs.
Will applying for financing hurt my credit score?
No. The initial pre-qualification uses a soft inquiry that does not appear on your credit report. A hard inquiry is only generated after you choose a specific loan and authorize final processing. Even then, the impact is usually small and temporary. Making on-time payments can actually improve your credit over the life of the loan.
Are there fees, penalties, or hidden costs with your roofing loans?
There are no application fees, closing costs, or prepayment penalties. You can pay extra or settle the balance early without incurring additional charges. Your only cost is the agreed-upon interest, which is disclosed up front in writing. We provide a detailed amortization schedule so you know exactly how much you’ll pay each month and over the life of the loan.