Let our experts help you with your loan needs
Three financing paths for Minnesota homeowners – whether you are covering an insurance gap after a hail event or planning a proactive roof, siding, or gutter upgrade. No prepayment penalties on any option.
Unsecured Promotional Option
12 months
- 0% Interest
- 100% Financing
- No Prepay Penalty
Easy Apply
- 2-20 Year Terms
- $5k-150k Loans
- Soft Credit Approval
Unsecured Low Monthly Payments
2-20 Years
- Credit Based
- 100% Financing
- No Prepay Penalty
Soft credit pull. No impact to your credit score to see your options.
Borrow Up to $400,000 Against Your Home Equity
5, 10, 15 & 30-Year Loan Terms
Unlock your home’s equity with a secured loan sized to your full project scope – roofing, siding, or gutters, residential or commercial. Our team handles the application on your behalf from start to finish.
100% Online Application
No In-Person Appraisal
No In-Person Notary Required
Option to Redraw
Lock in Lower Rates
Redraw up to 100%
Borrow Up to $400,000
5, 10, 15 & 30-Year Terms
One-time Origination Fee
Competitive Rates
Credit-Based Approval
No Prepay Penalty
Which Financing Option Fits Your Project?
We offer 3 financing options – the right one depends on how the project came about, your timeline, and whether you have equity in your home. All three start with a soft credit pull, so exploring your option fits will not affect your credit score. Here is how most Minnesota homeowners think through it.
0% for 12 Months – Best for Storm Damage and Insurance Gaps
Central and Northern Minnesota sees some of the highest hail frequency in the country, and most lakes-region homeowners navigating a storm damage claim end up with an insurance payout that covers most of the job but not all of it. Lakes Country Roofing already works alongside homeowners through the insurance process – the 12-month promotional plan is designed to bridge that remaining gap at zero interest. Clear the balance before the term ends and the financing costs nothing. It also works for homeowners expecting a tax refund or property sale within that window.
Personal Loan – Best for Planned Upgrades with a Fixed Monthly Payment
Borrow from $5,000 to $150,000 with terms from 2 to 20 years. A strong fit for Central and Northern Minnesota homeowners replacing a roof, upgrading siding, or bundling roofing, siding, and gutters under a single monthly payment. Lakes Country Roofing covers both residential and commercial projects – this plan works for both. A $12,000 roof at a 10-year term runs roughly $130-$160 per month depending on your rate – less than most car payments. Choose a 20 year term and your payment would be significantly lower.
Home Equity Loan (HELOC) – Best for Larger Projects with Available Equity
Borrow up to $400,000 against your home equity with 5- to 30-year terms. The lowest monthly payment of the three options. The ability to redraw if your project scope expands. No in-person appraisal required. Our team handles the application on your behalf.
Three Steps from First Contact to Project Start
Reach out from Alexandria, Brainerd, Detroit Lakes, Fergus Falls, or Park Rapids. Hear back within 24 hours. We handle the financing – you handle the project.
Step 1
Fill Out the Form
Submit the contact form at lakescountryroofing.com/contact. No financing application required at this stage – just your basic project and contact details.
Step 2
Hear Back Within 24 Hours
Our sales team contacts you within 24 hours discuss your project scope and walk you through your financing options.
Step 3
Your Project Gets Scheduled
Once you select a financing plan and approve the estimate, we lock in your project date and handle the financing application on your behalf.
Lakes Country Roofing Handles Your Financing from Start to Finish
Lakes Country Roofing is a BBB Accredited Business with a 5.0 rating across 200+ Google reviews. A portion of those customers are already making payments on financed projects – which means this is a process our team knows well. You fill out the form. Our sales team contacts you within 24 hours to match you to the right plan. We handle the financing application, so you are not navigating loan paperwork on top of a roofing project.
- 0% Interest for 12 Months
Pay zero interest if the balance is cleared within 12 months. Lakes Country Roofing works alongside homeowners through the insurance claims process – so pairing a financing plan with a storm damage claim is a workflow the team already handles regularly. - Unsecured Personal Loans
Borrow from $5,000 to $150,000 with terms from 2 to 20 years. Covers every service Lakes Country Roofing offers – residential roofing, commercial roofing, siding, and gutters – under a single monthly payment. A $12,000 roof at a 10-year term runs roughly $130-$160 per month depending on your rate. - Secured Home Equity Loans (HELOC)
Borrow up to $400,000 against your home equity with 5- to 30-year terms. No in-person appraisal required. The ability to redraw if your project scope expands. Typically, the lowest monthly payment of the three options.
Roofing and Exterior Financing Questions Answered
Common questions about financing roofing, siding, and gutters in Central and Northern Minnesota.
The 0% interest for 12 months works best when you can pay the full balance within the term – a strong fit when you are expecting an insurance payout, a tax refund, or a lump sum within that window. The personal loan fits planned upgrades where a fixed monthly payment matters, covering $5,000 to $150,000 over 2 to 20 years. For larger projects or homeowners with available equity, the home equity loan goes up to $400,000 with 5-30 year terms and the lowest monthly payment of the three options. Our sales team will match you to the right option when they follow up.
Yes. Roofing, siding, and gutters can all be bundled under a single financing plan. In Central and Northern Minnesota, hail events regularly damage all three systems in a single storm. Bundling the full exterior scope into one plan means one approval process, one monthly payment, and one project rather than staging repairs across multiple seasons.
No. All three financing options start with a soft credit pull, which lets us check what you qualify for without affecting your credit score. A hard pull only happens once you select a specific loan and move forward with the formal application. Many homeowners use this to compare across all three plans before committing to anything – so you can see your real options up front, not just rate ranges.
Our sales team contacts you within 24 hours to discuss your project scope and walk you through your financing options. From there, we handle the financing application on your behalf. Once a plan is selected and the estimate is approved, we schedule your project.
Nothing. Just your contact information and a general idea of the work you need done. Our sales team will ask the right questions during the follow-up to match you to the right plan. No paperwork, no financial documents, and no commitment is required to start the conversation.
No. None of the financing options carry a prepayment penalty. You can pay off the full balance at any point without additional fees. Homeowners on the 12-month 0% plan regularly choose to pay in full before the term ends to avoid interest entirely.
Lakes Country Roofing is a BBB Accredited Business with a 5.0 rating across 200+ Google reviews serving communities across Central and Northern Minnesota, including Alexandria, Brainerd, Detroit Lakes, Fergus Falls, and Park Rapids. Financing is available for roofing, siding, and gutters – starting with 0% interest for 12 months. Explore your options without affecting your credit score – all three paths start with a soft credit pull so there’s no impact to your credit score! Loan amounts from $5,000 to $400,000. Complete the form and our sales team will be in touch within 24 hours.
Financing options are subject to approved credit through our financing partner. Terms, rates, and monthly payments may vary based on creditworthiness and loan program.
