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A Home Equity Line of Credit HELOC is a line of credit that uses an owner s home as collateral. It is generally only used for large expenses, like medical bills and necessary home improvements. You can draw on this line of credit for financing a new roof pay it off over time..Here are some of the roofing projects you should consider for a personal loan Financing a new roof If you re in a hurry, a personal loan can be a great financing option for a new roof. Roof replacements can cost between $, and $,..The good news there are plenty of financing options available to make sure you’re not breaking the bank, shingle by shingle. Financing a new roof, with the option to pay in installments, is how many homeowners get the roof they need when a roof replacement can’t be put off .