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, 24/7 in English & español.
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. There is no prepayment penalty on our financing plans.
Check my rate Three ways to finance
0% APR promo
up to 12 months
Pay in full within the promo window and no interest is charged. Subject to credit approval.
Low fixed monthly
60 to 180 months
Predictable payments at a fixed rate. Compare terms in the calculator below.
Financing a deductible
up to 12 months
On an insurance-funded job, the deductible is usually the only real out-of-pocket, and financing it is common. Atrium offers 0% APR financing for up to 12 months, subject to credit approval.
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. Financing is subject to credit approval, and the lender makes the decision.
There is no prepayment penalty on our financing plans.
Financing is subject to credit approval, and the lender decides how your application is reviewed. Ask the lender about its credit check before you apply.
On an insurance-funded job, the deductible is usually the only real out-of-pocket, and financing it is common. Atrium offers 0% APR financing for up to 12 months, subject to credit approval.
It depends on your situation. If you can pay cash without straining reserves, compare that against the total interest a plan would cost using the calculator above. There is no prepayment penalty on our financing plans.
Ready when you are
Let's find a payment that works.
No pressure, no obligation. Calls answered 24/7 in English & español by Alex, our AI specialist · Get an engineer-led 53-point roof inspection, not a sales pitch.