Roof Financing in
Northern Indiana
A new roof is a big decision, and it should not mean draining your savings. With financing through Service Finance Company, you can protect your home now and pay over time with manageable monthly payments.
A Roof Shouldn't Wait for the Perfect Time
Roofs rarely fail on a convenient schedule. A storm comes through, or an inspection turns up damage, and suddenly you are looking at a project you did not plan to pay for this year. I have sat at a lot of kitchen tables with homeowners in exactly that spot.
That is why we offer roof financing through Service Finance Company. It lets you do the job right, with the materials and protection your home actually needs, and spread the cost into payments that fit your budget. You are not forced to pick the cheapest option just because of what is in the checking account this month.
Below I will walk you through how it works, the kinds of plans available, and who the lender is. When you are ready, we will help you apply as part of your free estimate.
What's on this page
- ✓ A short video from me on financing
- ✓ How the financing process works
- ✓ The kinds of plans available
- ✓ Who Service Finance Company is
- ✓ My pro tips for financing a roof
- ✓ Common financing questions
Watch: Your Roof Financing Options Explained
In about three minutes, I walk through how financing works at Better Way and how it helps homeowners get the roof they need without the stress of paying it all up front.
Read the video transcript
Hey guys, I'm Lyle from Better Way Roofing. A lot of people have the question of what the process of financing is. Typically we do it right from the iPad. We just need some information, and usually we'd like to see at least a 580 credit score, based on the provider we use.
From there we need the job type, which is roofing, because our provider does other types of loans as well. Then the loan type. We've got a whole list of loan types that we'll share with you, and you choose whichever one best fits your needs in terms of monthly payment and overall interest rate. Our most popular ones are the no-interest, equal monthly payment plans. Those are typically 25, 36, 48, 60, or 72 months. There's also a dealer fee, a percentage that gets added to the contract.
Next is your driver's license. We can either scan it or enter it manually. We just need the expiration date, the issue date, and the correct name as it appears on the license. Then your mortgage payment, what you pay them per month, along with your date of birth and email.
We'll also need the property where we're installing the new roof. If that differs from your original address, we can put your home address in as well, but typically it'll be the property we're servicing. And then we need your employer's name and your monthly income, which can be everybody in the household. If both husband and wife work, we can add those together and use that for the combined monthly income.
And yeah, that's typically it. We'll usually have an answer within five to ten minutes. Sometimes it's almost automatic, and sometimes it'll take a few minutes and say it's in review, and then we'll get that back approved or denied. That's the basic process.
How Roof Financing Works
Quick Answer: You apply online in a few minutes, get a quick decision, choose the plan that fits your budget, and we get to work. We handle the roofing; Service Finance Company handles the financing.
Get Your Free Estimate
We inspect your roof and give you a clear, written price. No pressure, no obligation, and the number on the proposal is the number on the invoice.
Apply in Minutes
A short online application through Service Finance Company. We are happy to sit with you and walk through it so nothing is confusing.
Choose Your Plan
Once approved, you pick the term and payment that fit your budget, from same-as-cash options to longer plans with low monthly payments.
We Build Your Roof
Our Shipshewana crew gets to work and you start with manageable payments instead of one large bill. Your home is protected right away.
Plans Built Around Your Budget
Quick Answer: Service Finance Company offers more than fifty financing programs, so there is usually a plan that fits. Here are the three kinds homeowners ask about most.
Low Monthly Payments
Spread the cost of your roof across a longer term so the monthly payment fits comfortably alongside your other bills. Terms run from a few years up to as long as twenty years on qualifying plans, with a fixed payment you can plan around.
Same-As-Cash
Get the roof now and pay zero interest if you clear the balance within the promotional window. This is popular with homeowners who have an insurance check or funds coming and just need to bridge the gap.
Deferred Plans
Make small minimum payments up front with interest deferred for a set period. A good fit when you want the work done immediately but expect more room in the budget a little down the road.
Plans, terms, and rates are set by Service Finance Company and are subject to credit approval. Available programs change from time to time, so the best step is to ask us for the plans available today and we will match you with the right one for your project.
About Service Finance Company
We do not run the lending ourselves, and that is on purpose. We partner with Service Finance Company, an established home improvement lender, so your financing is handled by professionals who do this all day, every day.
They finance home improvement projects across the country, from roofing and siding to windows, HVAC, and more, all through approved contractors like us.
How I'd Approach Financing a Roof
If you have an insurance check coming, a same-as-cash plan is your friend. It lets us start the work right away, and when the claim funds land you pay it off and owe no interest.
Don't let a monthly payment talk you into the wrong roof. I would rather finance the roof that lasts than save a little now on one we both know will need replacing too soon. Spread the cost of doing it right.
Financing isn't only for the whole roof. Plenty of homeowners use it to cover their deductible or an upgrade their insurance won't pay for, like stepping up to metal. Ask us and we'll show you the math.
Honest Pricing, Real Options
"They were honest about what needed to be done and priced very fairly. They also offer excellent financing options. I will definitely refer Better Way Roofing to anyone needing roofing or gutters."
Rachel H.
"Couldn't ask for better service. Outstanding communication throughout the entire job. Great quality material and workmanship. They cleaned up my yard very well, haven't found any nails or screws anywhere, like other roofing companies I have used in the past."
Phil C.
Roof Financing FAQ
Ready to Protect Your Home?
Start with a free, no-obligation estimate. We will give you a real price and walk you through the financing options that fit your budget, with no pressure.