Need a new roof but worried about paying the full cost upfront? You’re not alone. Roof replacements in Indiana often cost thousands of dollars, and most people don’t have that kind of money readily available, hence the need for payment plans.
At Hoel Roofing, we’ve served Central Indiana for over nine years, and we know which local professionals have built a solid reputation; not just for roofing, but for helping families manage costs in ways that make sense.
In this guide, we’ll walk you through some of the best roofing companies in Indiana that offer financing or flexible payment options. We’ll also explain how these plans typically work, what to look out for, and how to choose the right roofer based on more than just price.
By the end of this article, you’ll know which companies to consider, what questions to ask, and how to move forward without financial stress.
Stay Dry is known for solid workmanship and clear financing options. They’re a larger outfit with a strong online presence and customer service focus.
Payment options include:
Serves Fort Wayne, Noblesville, Fishers, Brownsburg, Carmel, Greenwood, Plainfield, Indianapolis, and neighboring areas.
Hoel Roofing offers flexible payment options to help local homeowners get the roof they need without the upfront stress. With nearly a decade of serving East Central Indiana, we know budgets vary, and roofing emergencies don’t wait.
Payment options include:
Serving Indianapolis, Kennard, Richmond, Rushville, Muncie, Lafayette, Anderson, Pendleton, New Castle, and surrounding areas.
Cochran Exteriors is a family-owned business that has established a solid reputation in Muncie and the surrounding areas over its 10+ years in business. They offer good payment options.
Payment options include:
Serving Indianapolis, Kennard, Richmond, Rushville, Muncie, Lafayette, Anderson, Pendleton, New Castle, and surrounding areas.
While based in Indy, Bone Dry has expanded eastward and offers strong warranties, responsive service, and a well-explained financing process.
Payment options include:
Covers parts of Bloomington, Evansville, Fort Wayne, Indianapolis, Lafayette, and neighboring areas.
Universal Roofing has solid reviews and financing options, although you’ll want to confirm if they serve your ZIP code.
Payment options include:
Service area includes Boone County, Hamilton County, Hancock County, Hendricks County, Indianapolis, Johnson County, Madison County, and Morgan County.
Look for “same-as-cash” plans that offer 0% interest if the balance is paid within a set timeframe (usually 6-12 months). Just be sure to understand:
Good financing plans allow you to pay off the loan early without extra fees. This gives you flexibility if your financial situation improves.
Avoid plans with variable interest rates. Fixed monthly payments give you stability and help you budget confidently, even during unexpected seasons (like holidays or back-to-school).
Some plans offer $0 down or defer the first payment for 30-60 days. This can be a huge help if you need the roof now but haven’t had time to build savings.
Avoid being locked into a loan with a term of 10 years or more unless the rate is extremely low. Longer terms may lower monthly payments, but they incur higher interest costs over time.
Ensure the plan’s eligibility is clear since some require a minimum credit score, while others may allow co-signers or offer options for homeowners with fair or limited credit.
Work with a roofer who partners with reputable lenders, not high-risk “instant approval” companies that bury fees in the fine print.
Before choosing a roofer based solely on payment options, consider the whole picture. A great roofing company offering financing will typically:
Finding the right roofer with good payment plans in Indiana isn’t easy, but it’s worth the effort. By asking the right questions, comparing not just price, but reputation, warranty, and payment terms, you’ll set yourself up for success.
A new roof shouldn’t wreck your finances. With the right roofer and a thoughtful payment plan, you can protect your home now and pay over time without added stress. If you have questions, whether about financing or your roof in general, we’re happy to help. Check out our article Who Are the Best Roofing Companies in Central Indiana? where we break down some of the top options in our area on more categories than just do they offer financing.
Toyosi Ogunsola is the Content Manager at Hoel Roofing & Remodeling in Rushville, IN, where she oversees the creation of educational, trustworthy content about roofing, remodeling, and home improvement. With a master’s degree in Emerging Media Design and Development and a background spanning content strategy, UX research, and digital marketing, Toyosi combines data-driven insights with clear, engaging writing to help homeowners make informed decisions. Passionate about translating complex roofing topics into helpful resources, she works closely with Hoel’s team of roofing experts to ensure every piece of content is accurate, practical, and user-focused.
