Flexible Financing
Flexible Financing | Roof Replacement | Roofing
When your shingles curl, leaks creep in, or storm damage leaves you uneasy, putting off a roof replacement can feel like the only option—especially when the price tag looks steep. HEP turns that stress into confidence with flexible financing plans designed to fit real-life budgets. From zero-down options to low, fixed monthly payments, you can protect your home now without draining your savings or juggling high-interest credit cards.
Our team handles everything in-house, so approval is quick, paperwork is simple, and installation starts on your schedule. You’ll enjoy premium materials, certified craftsmanship, and industry-leading warranties, all backed by a company that’s served Tennessee homeowners for decades. Ready for a stronger, safer roof and a payment plan that works as hard as you do? Let HEP make it happen—because every family deserves the security of a solid roof today, not “someday.”
FAQs
What financing options are available for my roof replacement?
We partner with multiple national and local lenders to offer a range of plans, including 0%-interest promotions (typically 6–18 months), low-interest fixed-rate loans (terms from 24 to 144 months), and deferred-payment plans that let you postpone the first payment for up to 12 months. You can choose the option that best fits your budget and long-term goals.
How does the flexible financing process work?
1) During your free roof inspection, our consultant will provide an accurate replacement estimate. 2) You select a financing plan, and we submit a quick online application—usually requiring only basic personal and income information. 3) Most lenders return a decision within minutes. Once approved, you e-sign the loan documents. 4) We schedule installation immediately; funds are paid directly to us by the lender after the work is completed and you’re satisfied.
Can I qualify for financing even if my credit isn’t perfect?
Yes. Because we work with a network of lenders, we have options for a wide range of credit profiles. While prime borrowers receive the lowest rates, many of our programs accept FICO scores as low as 580. We also offer co-signer and joint-applicant options that can improve approval odds. A soft credit inquiry is used for pre-qualification, so checking your options won’t affect your credit score.
What interest rate and term length should I expect?
Interest rates vary by credit tier and plan type. Promotional 0% APR plans require the balance to be paid within the promo period to avoid back-dated interest. Fixed-rate loans typically range from 4.99% to 14.99% APR, with terms of 2 to 12 years. Longer terms lower the monthly payment, while shorter terms reduce total interest paid. Your consultant will show you multiple scenarios so you can choose confidently.
Are there any upfront costs or hidden fees?
No. There is no application fee, and most of our loans have no origination or prepayment penalties. The only upfront expense may be a small deposit (often waived on approved credit). All fees, if any, are disclosed before you sign the agreement, so you’ll never encounter surprise charges.
How quickly can I get approved and have my new roof installed?
Pre-qualification takes less than 60 seconds, and formal approval is usually returned the same day. Once the loan documents are signed, we can schedule your roof replacement as soon as material availability and weather permit—often within 1–2 weeks. Because funding is handled directly between the lender and our company, you don’t have to wait for checks to clear before work begins.