Common Options
Home equity loan/HELOC: Usually the lowest rates. Uses your home as collateral. Good for planned replacement.
Personal loan: Faster, no collateral, but higher rates. Good for urgent needs.
Contractor financing: Some roofers partner with lenders. Convenient but compare rates — they're not always competitive.
Insurance: If storm damage is covered, your out-of-pocket may just be the deductible.
Credit card: Only for small repairs or if you can pay quickly. High rates make this expensive for full replacement.
What to Watch
Compare APR (not just monthly payment), check for prepayment penalties, and be wary of "same as cash" deals with retroactive interest if not paid in time.