Frequently Asked Questions

General

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Setting up Your Atmos Account

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Sending & Receiving Money

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Checking Account

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Savings Account

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Donations to Nonprofits

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Security & Privacy

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Common Questions

How do I qualify for an Atmos solar loan?

You can prequalify for an Atmos solar loan with no credit impact in minutes. Most borrowers need a 640+ credit score and verifiable income. A soft credit check is performed at prequalification — no hard inquiry until you accept an offer.

What types of clean energy projects can I finance with Atmos?

Atmos offers loans for residential solar panels, battery storage systems, heat pumps, EV chargers, and other home electrification upgrades. Commercial solar loans up to $500K are also available for small businesses, agriculture, and multi-family properties.

Does Atmos charge dealer fees?

No. Atmos does not charge dealer fees, which means solar installers keep more margin and borrowers get better rates. This is a key differentiator from many other solar financing options on the market.

How does the Atmos solar loan process work?

Atmos connects borrowers with a marketplace of lenders. You prequalify online in minutes, receive competing loan offers from multiple lenders, choose the best rate and terms for your situation, and your installer gets funded upon project completion.

What loan terms and rates does Atmos offer?

Atmos offers solar and electrification loans with competitive fixed interest rates and flexible repayment terms. Rates and terms vary based on creditworthiness, loan amount, and the participating lender. Prequalify to see your personalized offers with no credit impact.

How do lenders and credit unions partner with Atmos?

Lenders and credit unions can partner with Atmos to launch a turnkey clean energy lending program. Atmos provides the technology platform, installer network, underwriting tools, and compliance support needed to originate solar and electrification loans at scale.

How to videos

How to use the Atmos app

How to apply for an Atmos account in under 2 minutes