Your new roof,
on your terms.
A damaged or aging roof shouldn’t wait on your budget. Lakota Roofing partners with HFS Financial to make it simple to get the roof you need today — with flexible payment options that work for you.
Three ways to pay for your new roof
Every homeowner’s situation is different. We’ll help you figure out which path makes the most sense for you.
Insurance Claim
Storm damage, hail, wind — if your roof was damaged by a covered event, your homeowner’s insurance may pay for most or all of the replacement. We’ll help you document the damage and work with your adjuster.
Learn About Storm Claims →Pay Out of Pocket
Prefer to pay in full? We accept check, ACH, and major credit cards. You’ll get a detailed written estimate before any work begins, with no surprise costs at the end.
Get a Free Estimate →Three steps to a new roof
From your first call to the last shingle, we keep it simple. Most projects are financed and scheduled within a week of the estimate.
Start Your Application ↗Get a free estimate
We visit your home, assess the roof, and provide a written estimate with no pressure and no obligation.
Choose your payment path
Insurance claim, financing, or out of pocket — we’ll help you weigh your options and decide what fits your situation best.
Apply & schedule
Complete your HFS Financial application online in minutes. Once approved, we schedule your installation and get to work.
Powered by HFS Financial
HFS Financial specializes in home improvement loans — they understand roofing projects and homeowners. Their application takes minutes, decisions come fast, and they offer loan amounts up to $150,000 with terms up to 20 years.
- No home equity required
- Loan amounts from $1,000 to $150,000
- Terms up to 20 years — low monthly payments
- Fast online application — minutes, not days
- Options for multiple credit profiles
Common financing questions
Have a question we haven’t covered? Call us at (513) 951-4907.
Does financing affect my project estimate?
No. Your estimate is the same whether you pay cash, file an insurance claim, or finance. We give you one honest price. How you pay for it is entirely up to you, and we’ll help you think through your options without any pressure.
What credit score do I need to qualify?
Approval and terms are determined entirely by HFS Financial and their lending partners — not by us. We can’t predict what you’ll qualify for, but the application is fast and you’ll get a clear answer quickly.
How long does the financing application take?
The online application through HFS Financial takes about five minutes to complete. Many applicants receive a credit decision the same day.
Can I use financing if I also have an insurance claim?
Yes. In some cases, insurance covers the roof structure and materials while homeowners choose to finance an upgrade to a premium shingle or add gutters and siding at the same time. We’ll walk you through how to structure this so you’re not paying twice for the same work.
What if I’m not sure financing is right for me?
That’s exactly what our free estimate conversation is for. We’ll look at your situation — roof age, damage type, insurance coverage, and budget — and give you an honest breakdown of your options. We work for you, not for a lender, so our advice will always be in your best interest.
Get a free estimate — then decide.
No pressure. No obligation. We’ll assess your roof, explain your options, and let you decide what makes sense. Most estimates are completed within 48 hours of your call.
Financing offered through HFS Financial and its lending partners. Loan approval and terms are subject to creditworthiness and other lender criteria. Lakota Roofing is not a lender and does not guarantee financing approval. All financing is arranged through HFS Financial independently of Lakota Roofing’s services. Serving West Chester Township, Mason, Sharonville, and Greater Cincinnati, OH.