Roof Loans

Need a new roof fast? We can help you cover the cost with a personal loan.

If you have an old or damaged roof, you don’t have to wait to make repairs or get the replacement you need. Apply today for a personal loan from $1,500 - $30,000 ¹

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This won’t affect your credit score.

What you get with every OneMain roof loan

Loans that work for your budget

Fixed payments and clear, upfront terms.

Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.²

Support from start to finish

Real people in branches, on the phone and ready to help online.

A construction worker is fixing the roof

Restore your roof and your peace of mind with a OneMain personal loan

Give your house the attention it needs — when it needs it. Whether you need to repair storm damage, patch a sudden leak or replace an old roof, our personal loans can help you keep your family safe and dry.

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Checking won’t affect your credit score.

How can I use a personal loan to pay for a roof?

Homeowners can use a personal loan to pay for almost any kind of roofing-related project, from a small repair to a total replacement. A personal loan can give you money to fix what needs repairing today and predictable monthly payments to help you breathe a little easier tomorrow.

Why should I choose a OneMain personal loan to cover roofing costs?

At OneMain, we understand that roofing issues can occur suddenly, giving you very little time to repair before the damage spreads. We work with you to help you find the loan you need as soon as possible, with manageable monthly payments. From starting the application to receiving the funds, the loan process could take as little as one day.² And we’ll still be in your corner even after you’ve fixed or replaced your roof, offering budget-building resources, free credit score tracking and savings tools to help you grow your money know-how.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.^3,4

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Answers to frequent customer questions

As you do research, you’ll find a handful of different ways to pay for roof repairs or a replacement, in addition to personal loans.

If a lender determines that you have enough equity in your home, you might consider a home equity line of credit (HELOC) or a home equity loan. Remember, equity is the difference between what you owe on your mortgage and the current value of your home. Both home equity loans and HELOCs are secured loans, meaning your home is on the line as collateral (something of value that you have, which backs the loan). So, you may lose your home if you’re unable to make your loan payments.

Even if the interest rates on a HELOC or home equity loan look pretty good, you still need to take appraisal fees into account, which may increase your costs. A HELOC also usually comes with a variable interest rate, which means the APR for your loan could go up and down over time.

OneMain does not offer home equity loans or HELOCs. OneMain personal loans are a flexible and convenient option for funding roofing projects without using your home as collateral. We don’t charge appraisal fees like home equity lenders do. Also, every OneMain personal loan comes with monthly payments at a fixed interest rate, which means easier budget planning.

Sometimes insurance policies cover the cost of replacing your roof due to an act of nature or an accident like a heavy storm or a tree fall. Review your insurance policy to understand what types of roof damage are eligible for coverage, so you can file a claim if this ever happens.

Everyday wear and tear from the outdoor elements can’t be avoided, but you may make your new roof or roof repairs last longer by taking the following actions:

Cleaning your gutters, removing debris and inspecting for damage at least once a year
Fixing minor issues right away to prevent them from becoming bigger problems in the future
Using high-quality roofing materials installed by a professional to ensure your roof’s longevity