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How to Pay for Heavy-Duty Roof Racks

How to · Auto

How to Pay for Heavy-Duty Roof Racks

Get your gear on the roof without draining your savings by timing the market and spreading out the cost.

VoAtlas editorial Updated · 3 min read
Typical cost $350 before anything else
Across the 0% window $19.44/mo 18 months, no interest

How we got that: $350 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Heavy-duty aluminum roof racks turn your car into a hauling machine, letting you carry kayaks, boards, or extra cargo boxes without cluttering your interior. They cost about $350 for a quality set, but they are built to last for years if you choose the right material and mount style.

You want to shop during the big seasonal sales in May when outdoor retailers clear out winter stock to make room for summer gear. Prices drop here, so you can often grab a premium set for less than the usual sticker price.

That 18-month window is a deadline, not free money. If you don't pay off the full $350 before the intro window on purchases ends, you will start paying interest on whatever remains, which eats up your savings fast.

The steps

  1. 01

    Measure your roof first

    Check your owner's manual for specific weight limits and mounting point locations. Don't guess, or you might end up with bars that don't fit your specific vehicle model.

  2. 02

    Wait for the May sale

    Retailers push out seasonal inventory in mid-spring. Keep an eye on major outdoor gear sites in May to catch the $350 price point at a discount.

  3. 03

    Use the card window

    If you use the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay about $19.44 per month for 18 months instead of dropping the full cost today.

  4. 04

    Check the mount type

    Decide between fixed-point, raised rail, or door-jam mounts. Fixed-point is generally quieter on the highway, while door-jam mounts are easier to take off when you aren't using them.

  5. 05

    Watch the weight limit

    Read the fine print on the rack's load capacity. Even if your rack holds 200 pounds, your car's roof might only be rated for 150 pounds.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Will aluminum bars rust?

Aluminum is great because it doesn't rust like steel. It will still show wear over time, but it handles rain and snow much better.

Do I need a professional to install them?

Most sets are designed to be installed at home with basic tools. Just follow the torque specs carefully so you don't damage your roof paint.

Do roof racks hurt gas mileage?

Yes, they create wind resistance. Expect your mileage to drop a little bit, especially when you have a cargo box or gear attached.

Is the 0% offer for everyone?

It depends on your credit score and the lender's final decision. Applying doesn't guarantee you will get the offer.