Financing
A new roof shouldn’t require draining savings.
Real financing options, transparent math, and honest guidance on when to finance and when not to.
Talk through payment options with Alex, our AI specialist — real conversation, 24/7.
Payment calculator
See what a real payment could look like.
The plans shown are examples of currently available terms; Atrium shops multiple lenders. Selected: 60 months at 7.99% APR.
Estimated monthly payment
$365/mo
Estimate only. Actual rates depend on credit and lender. Subject to credit approval. We shop multiple lenders to find your best option.
Financing is subject to credit approval. The terms shown here are examples, and your actual rate, term, and payment depend on the lender's decision.
Check my rate Three ways to finance
0% APR promo
up to 12 months
Pay in full within the promo window — no interest, no fees. It works the same way as cash for homeowners bridging to an insurance payout, a home sale, or a year-end bonus.
Low fixed monthly
60 to 180 months
Predictable payments at a fixed rate. Most homeowners choose the 60 month plan for a manageable payment.
Insurance claim only
Until claim clears
Cover your deductible and any upgrades while your insurance check is in process.
When financing genuinely helps
You’re replacing a failing roof and don’t want to touch emergency savings. You’re expecting an insurance payout and need to move now. You’ve chosen a premium system that will last decades but cost more upfront.
When it doesn’t
You’re financing an upgrade you don’t actually need. Or you’re rolling in unrelated projects that inflate the loan. Keep it clean, keep it purposeful.
Financing FAQs
No. We work with multiple lenders, including options for scores as low as 580. Rates and terms improve with higher credit, but nearly everyone qualifies for something.
None of our financing partners charge prepayment penalties. Pay it off any time.
The initial soft check does not affect your score. Only if you accept an offer and move forward does a hard pull happen.
Yes. Financing your deductible while insurance covers the rest is one of the most common uses.
If you can pay cash without straining reserves, or if you’re selling within a year. Otherwise, spreading a 20-year investment over 5–10 years usually makes strong financial sense.
Ready when you are
Let's find a payment that works.
No pressure, no obligation. Calls answered 24/7 by Alex, our AI specialist · Get an engineer-led roof inspection, not a sales pitch.