Get the roof you need now. Pay for it over time.
Flexible monthly payments for Northwest Ohio homeowners.
A roof can't always wait for the right time. Through Service Finance Company, you can apply online in a few minutes, get a decision, and spread the cost over a monthly payment that fits your budget. Subject to credit approval.
Apply Now →Last updated: June 12, 2026
A new roof shouldn't have to wait.
Most people don't plan for a roof. It comes up after a storm, a leak, or an inspection that turns up more wear than expected. The work needs to happen, but writing one big check isn't always realistic.
That's what financing is for. Instead of putting off a repair until it turns into a bigger, more expensive problem, you get the job done now and pay it back in monthly pieces. We've partnered with Service Finance Company, a national home improvement lender, so the application is quick and the whole thing stays simple.
You apply, they make the credit decision, and we focus on the roof. We never see your financial details.
How roof financing works.
Four steps, start to finish. Most of it happens before we ever set a ladder against the house.
Apply online
Click Apply Now and fill out the short, secure Service Finance Company application. It only takes a few minutes from your phone or computer.
Get a decision
Service Finance reviews your application and lets you know what you qualify for. Many homeowners get an answer quickly.
We do the roof
Once you're approved and you've picked your plan, we schedule the work. Same crew, same quality, owner on the job.
Pay monthly
You repay Service Finance in fixed monthly payments over the term you chose. No surprises, no balloon at the end.
What you can finance.
If it's roofing work we do, you can finance it. Project amounts generally run from around $1,000 up to $100,000, which covers most jobs we take on.
- Full roof replacements and tear-offs
- Roof repairs and leak fixes
- Standing seam and metal roofing
- Seamless gutters and gutter guards
- Storm and insurance work, including deductibles and upgrades
- New construction and re-roofs
What might my monthly payment be?
The honest answer: it depends on the size of the job, the plan you pick, and the rate you're approved for, all of which Service Finance Company sets based on your application. We can't quote you a rate, but here's how to think about it.
Financing turns a roof you'd otherwise pay for all at once into a predictable monthly payment. A typical roof replacement in our area runs roughly $8,000 to $18,000. Service Finance offers a range of plans, from short same-as-cash promotions to longer terms (up to 12 years on some plans), with no penalty for paying it off early. Spread over a longer term, a project like that lands many qualified homeowners in the low-hundreds-per-month range. Your exact number shows up during the application, before you agree to anything.
Not sure where your project would land? Get a free inspection first. We'll give you a written estimate, and then you can apply knowing the real number.
Ready to see what you qualify for?
Applying takes a few minutes and won't slow down your estimate. Opens the secure Service Finance application.
Who is Service Finance Company?
Service Finance Company, LLC is one of the largest home improvement lenders in the country and an approved FHA Title I lender. They specialize in financing projects exactly like roofing, gutters, and siding, which is why so many contractors work with them.
They offer a wide range of plans, from shorter same-as-cash style promotions to longer terms with low fixed monthly payments. The plan options, rates, and terms you see are set by Service Finance based on your application, not by us.
Bottom line: you get a trusted lender handling the money side, and you get our crew handling the roof. If you have questions about a specific offer, their application walks you through the details before you commit to anything.
Financing questions.
Yes. We offer roof financing through Service Finance Company, a nationally licensed home improvement lender and approved FHA Title I lender. You apply online in a few minutes, and if you're approved you choose a monthly payment that fits your budget. All financing is subject to credit approval.
Click any Apply Now button on this page. It opens the secure Service Finance Company application, where you fill out a short form. Many homeowners get a decision quickly. If you'd rather have us walk you through it, call (419) 518-7799 and we'll help.
Service Finance finances home improvement projects from around $1,000 up to $100,000, which covers everything from a small repair to a full replacement with new gutters. The exact amount you qualify for depends on your application and credit approval.
Rates, terms, and any promotional offers are set by Service Finance Company based on your credit and the plan you choose. They offer a range of options, from shorter promotional plans to longer terms with low fixed monthly payments. You'll see the exact numbers during the application, before you agree to anything.
The application and credit decision are handled entirely by Service Finance Company, the lender. We don't see or store your financial information. Any questions about credit checks, rates, or terms are answered during their application process.
Roof now, pay monthly.
Apply online in minutes, or call and we'll help you through it. Then book your free inspection and we'll get you a written estimate.
Financing is provided by Service Finance Company, LLC, a state-licensed sales finance company and approved FHA Title I lender. All financing is subject to credit approval. Rates, terms, monthly payments, and promotional offers are determined by Service Finance Company, not Big Horn Roofing LLC, and vary by qualification. Big Horn Roofing does not collect, store, or process your financial information.