Atmos Financial is a financial technology company, not a bank. Banking services are provided by our partner financial institution, Five Star Bank, Warsaw NY (Member FDIC). Please see your account agreements for more information. Lending not available in all markets.

Consumer Loans: When you first pre-qualify for a solar or electrification loan, we perform a soft credit inquiry that does not affect your credit score. If you proceed with your application and submit a formal request for credit, we do another hard credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

Atmos Financial is not the lender. All loans on Atmos' marketplace are made by regulated financial institutions in accordance with their approved underwriting and credit criteria.

Rates and credit requirements may differ across participating lenders. Offers may differ based on the project address due to participating lenders serving your specific location.