Financing

Acorn Finance

Acorn Finance connects homeowners with competitive home improvement financing through our partnerships with 20+ top national lenders.

Compare offers in minutes with no impact to your credit score.

Get Started

Compare rates from top lenders

Flexible Loan Amounts
From $1,000 to $100,000

20+ National Lenders
Marketplace approach serves a wide credit spectrum

Quick & Easy Application
See if you’re pre-qualified in a few minutes

Competitive APRs
Based on creditworthiness*

2–20 Year Terms
Helps provide lower monthly payments

No Credit Impact If You Don’t Qualify
Checking for offers doesn’t impact your credit score

Fast Funding in as Little as 24 Hours**
Some customers qualify for fast funding

We’re A+ BBB Rated 4.8+ Trust Pilot Rating
​as of July 2026

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How it works

1

Fill out a quick pre-qualification form with no impact on your credit. If prequalified, you’ll see your offers in as little as 30 seconds.

2

Choose an offer and complete the final application with your selected lender. The lender will require a hard credit check.

3

Once approved, funds are typically deposited into your account in as little as 1–2 business days and can be used for your project.
Find Your Loan

“The whole process itself was just so fluid, all the way through to the end. I was thinking it can’t be this easy, but it really was!”

– Janina, Kentucky

“Excellent experience. Fast and I had a number of choices. I was able to get a better rate than my bank.”

– Ben, Gerogia

*Rates as of 6/14/2026. Advertised rates and terms are subject to change without notice. Estimated interest rates, APRs, and other terms are not binding in any way. For illustrative purposes only, if you request $10,000, you could get a total loan of $10,000 with an 8.94% interest rate and $0 fees (note, if the lending partner charges an origination fee, it will increase the APR). You would receive $10,000 with 84 payments of $161. Your actual interest rate and APR will depend on factors like credit score, requested funding amount, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. Offers represent lowest monthly payment for amount and term displayed. When evaluating offers, please review the funding partner’s terms and conditions for additional details. All loans and other financial products are subject to credit review and approval by our partners.

**If approved, funding times may vary. We work with some lenders that do not have a requirement for a credit check and use income and/or employment to make decisions on eligibility for their financial products. Underwriting criteria is established by our partners, not Acorn Finance. Most of our lenders will do a soft pull, which does not impact your credit score; however, our funding partners will conduct a hard credit pull when you express interest in an offer, and this could impact your credit score.

Not currently available in USA territories or outside the USA