Making Quality Roofing Affordable When You Need It Most
If you’ve ever watched a ceiling stain grow after a heavy rain, you know roof problems don’t wait for payday. That’s why roof financing through Bluegrass Roofing makes it easy to protect your home now and pay over time. Serving Lexington, Versailles, Georgetown, and Central Kentucky, our family-owned company offers clear, flexible plans designed to fit your budget and your timeline.
Delaying repairs can lead to costly damage inside your home. With our convenient plans, including “Same as Cash” options for qualified buyers, you can complete your project now and pay over time. From the first roof inspection to financing approval, our team makes the process simple, transparent, and stress-free.
Make Your New Roof Affordable with Easy Financing
Roof replacements can surprise even the most prepared homeowners. Instead of postponing a project that protects your family, financing lets you manage the cost in comfortable monthly payments. Bluegrass Roofing partners with established lenders so you never have to compromise quality for affordability.
Getting started is quick and straightforward: just a short application, fast approval, and flexible plans designed to fit nearly any budget. Qualified homeowners can even take advantage of promotional offers, and you can always pay off your balance early without penalty.
Financing ensures you can choose durable, long-lasting materials and professional installation now while maintaining control of your finances.
Our Roofing Financing Partner
Service Finance Company, LLC
Bluegrass Roofing partners with Service Finance Company, LLC, a trusted national lender approved by the FHA. They specialize in home-improvement financing, covering everything from roofing and HVAC to windows and siding, providing our customers with dependable options and fast approvals.
Service Finance offers more than 50 financing programs, including promotional and standard installment terms, for home improvement projects such as roofing, HVAC, siding, windows, and more.
Their mission aligns with ours: to provide homeowners with flexible, trusted financing options that make essential upgrades simple and affordable. Through this partnership, our customers enjoy streamlined approvals, reliable service, and competitive rates tailored to their credit profile.
Competitive Rates Comparable to a HELOC
Our financing partner provides rates that rival, and often beat, those offered by traditional home equity loans. Unlike a HELOC, you won’t have to use your home as collateral or go through a lengthy bank process. Instead, you’ll receive a fixed-rate loan with clear terms, predictable payments, and no impact on your home equity.
Flexible Roof Financing Plans to Fit Your Budget
Every home and project is unique, so we work closely with our lending partner to provide roof financing options that align with your goals. After completing a quick credit application, you can choose from several flexible plans:
- Deferred Interest Plans: Make payments over time while avoiding interest if the balance is paid in full within the promotional period.
- Standard 84- or 120-Month Terms: Enjoy long-term, fixed-rate financing with affordable monthly payments.
- Same-as-Cash Plans: Ideal for qualified customers who want to finance their project without interest, provided payments are completed within the promotional timeline.
All plans come with no early payoff penalties, giving you complete control to pay off your balance whenever you choose. Whether your roof needs a full replacement or just major repairs, you can secure quality materials and workmanship now and spread the cost out over time.
Benefits of Financing Your Roof Through Bluegrass Roofing
Choosing to finance through Bluegrass Roofing means more than just manageable payments—it’s peace of mind and lasting protection.
Our financing gives you advantages like:
- Keeping your home safe and dry without delaying vital repairs
- Preserving your savings and maintaining financial flexibility
- Preserving your savings and maintaining financial flexibility
- Increasing your home’s energy efficiency and resale value
- Avoiding surprise charges or hidden fees
- Working with trusted, local professionals who stand by their work
With financing and our roof warranty working together, you can feel confident that your home is protected and your investment will hold its value in the long term.
How to Apply for Roof Financing
At Bluegrass Roofing, getting started is simple. We’ve made the financing process clear, quick, and convenient, so you can focus on restoring your home without worrying about paperwork. Here’s how it works:
Step 1 – Schedule Your Free Estimate
We’ll begin with an in-person roof inspection. One of our experts will inspect your roof’s condition, identify areas that require attention, and provide a clear, no-pressure quote tailored to your specific situation.
Step 2 – Review Financing Options
Next, we’ll walk you through the select financing plans we offer through our trusted lending partner. We keep things simple with just a few clear options with straightforward terms, so you can choose the one that fits your budget and timeline best.
Step 3 – Apply and Get a Fast Decision
When you’re ready, our representative will help you complete the short credit application, usually right on-site. Most approvals take just a few minutes, and you can finance anywhere from $1,000 to the full project amount.
Step 4 – Enjoy a New Roof, Pay Over Time
Once you’re approved, we’ll schedule your project and get to work. You’ll enjoy fixed monthly payments, simple terms, and the confidence of knowing your new roof is built with trusted materials and expert craftsmanship.
Who Qualifies for Roof Financing?
You may be surprised by how many homeowners qualify for roof financing through our lending partner. Approval depends on a few factors, like income and credit history, but we offer options for a wide range of credit profiles, from prime to near-prime borrowers.
Highlights include:
- Homeowners with a steady income can often qualify easily
- Competitive rates for higher credit scores
- Flexible terms designed to fit your monthly budget
- Select financing options available through Service Finance to make payments simple and predictable
Don’t have perfect credit? No worries, even if your score isn’t perfect, our team will help you explore available programs so you can move forward confidently with the protection your home needs.
Roof Financing vs. Paying with a HELOC or Credit Card
When comparing payment options, homeowners often consider home equity loans, HELOCs, or credit cards. Each has its place, but financing directly through Bluegrass Roofing offers several key advantages.
A HELOC typically requires using your home as collateral and can take weeks to process, while credit cards often carry higher, variable interest rates that make it harder to predict long-term costs. In contrast, roof financing through our lending partner provides fixed monthly payments, fast approval, and no risk to your home equity.
With clear, consistent rates and fixed monthly payments, you’ll always know what to expect, giving you one less thing to worry about while your new roof protects what matters most.
Frequently Asked Questions About Roof Financing
Yes, we do. Bluegrass Roofing offers promotional plans through our trusted partners, including Service Finance and Foundation Finance, for qualified applicants. These “Same as Cash” options make it easy to complete your roofing project without paying interest if the balance is cleared within the promotional period.
Absolutely. You can finance as little or as much as you need, whether it’s covering your insurance deductible or spreading out the full project cost.
Loan terms vary depending on your credit profile and the plan you select. Most range between 6 and 120 months, allowing you to choose a payment schedule that fits comfortably into your budget.
Yes. All of our financing options include the flexibility to pay off your balance at any time without additional fees.
We do. Our team guides you through every step, from your initial estimate to final approval, ensuring everything is handled clearly and efficiently. You won’t have to navigate the process alone.
Get Started Today: Affordable Roof Financing Made Simple in Lexington
A roof protects everything that matters most: your family, your comfort, and your peace of mind. With Bluegrass Roofing’s roof financing options, there’s no reason to wait or settle for quick fixes. Get the roof your home deserves today and pay over time with flexible plans that fit your life.
When you work with Bluegrass Roofing, you get more than a contractor; you get a local team that treats your home like its own. From the first inspection to the final shingle, we make sure every detail delivers long-term protection and value. Start by reaching out through our contact page, and take the first step toward a roof that’s affordable, reliable, and built to last.