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Best Roof Financing of February 2025

When replacing or repairing your roof, personal loans are a flexible, low-cost option.

Author
By Hilary Collins

Written by

Hilary Collins

Freelance writer

Hilary Collins is a finance writer and editor with over seven years of experience. Her work has been featured by USA Today, MSN, Yahoo Finance, AOL, and Fox Business.

Edited by Jared Hughes

Written by

Jared Hughes

Writer, editor

Jared Hughes has over eight years of experience in personal finance. He has provided insight to New York Post and and NewsBreak.

Reviewed by Meredith Mangan

Written by

Meredith Mangan

Senior editor

Meredith Mangan is a senior editor at Credible. She has more than 18 years of experience in finance and is an expert on personal loans.

Updated February 4, 2025

Editorial disclosure: Please note that this article contains affiliate links. If you click through and purchase a product from one of our advertising or lending partners, we may earn a commission. The amount of commissions do not affect our editors' opinions or recommendations. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.” Please read our affiliate disclosure for more information.

Featured

Our experts reviewed 31 personal loan lenders for roof financing and found LightStream to be the best option. This lender has flexible repayment terms, no origination fees, same-day funding, and loan amounts up to $100,000.

If your home insurance won't cover it and you can't pay out of pocket, you may need to finance roof repairs. The average cost for a professional roof repair was $1,146 in September 2024, according to Angi. But that amount could be much higher depending on the size of your home, the type of shingles you want, the pitch and overall complexity of your roof, and other factors. 

Personal loans and home equity loans each offer years-long repayment terms and credit-card-beating interest rates. Home equity loans, however, may not be suitable for emergency roof repairs or replacement as they can take a month or more to close. You'll also need sufficient home equity to qualify. For these reasons, we've considered personal loans exclusively when determining the best loans for roof repairs and replacement. 

Why trust Credible

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Compare personal loan rates for roof financing of February 2025

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Best roof financing loans

The lenders below offer roof financing loans either directly through Credible or via their websites. To find the best roof financing loan, compare available loan amounts, repayment terms, and fees between lenders. Then, prequalify to get a sense of the rate and terms you might qualify for based on your credit and income. 

Most lenders let you prequalify before applying, and it only takes a few minutes. It won't hurt your credit, but it's not an offer of credit (you'll need to apply for the loan for that). Once you apply, the lender will conduct a hard credit pull which could impact your credit score for up to a year. 

Best overall

Lightstream

LightStream

4.9

Credible Rating

Check Rates

on Credible’s website

Est. APR

6.94 - 25.29%

Loan Amount

$5,000 to $100,000

Min. Credit Score

700

Pros and cons

More details