Cost & Financing · FAQ

How does manufacturer financing compare?

Manufacturer financing (through GAF, CertainTeed, etc.) typically runs 0% for promotional periods (6 to 24 months) then jumps to 14 to 19% standard rates. The 0% promo is genuine but the standard rate is high enough that carrying a balance past the promo period costs more than a HELOC or personal loan.

The use case for manufacturer financing: you can comfortably pay off within the 0% window. Past that, refinance to a HELOC, home equity loan, or personal loan before the higher rate kicks in. Trill helps customers think through this at signing — we’d rather see you in a sustainable financing structure than promote a 0% offer that becomes a 19% trap. Sometimes the right answer is a cash payment with a savings draw; sometimes it’s a HELOC with a 7-year amortization; sometimes it’s the manufacturer’s 18-month promo with a clear payoff plan.