Additional Funds At Your Fingertips

We teamed with Acorn to offer homeowners payment options

Get Pre-Approved in Minutes
*Checking options won’t impact your credit score*

Acorn Finance is an online lending marketplace where you can easily compare rates and monthly payments from different lenders without impacting your credit score. Anyone can check for offers on Acorn Finance.


However, each lender that participates on the Acorn marketplace has a specific set of credit requirements that helps them determine, based on risk, who to lend money to. These requirements typically include your credit score, employment status, income, credit history, and debt-to-income ratio.


Generally speaking, the minimum credit score our lenders consider is around 560. They also look at other information from your credit report to determine your eligibility for a loan. For example, if you have a recent bankruptcy filing or have missed payments on loans or credit cards within the past few years, the lenders may not provide offers.


If your credit history is challenged, you may add a co-borrower (like a parent or spouse) with a stronger score to help.

  • Who is Acorn Finance?

    Acorn Finance is a lending marketplace where the nation’s premier online consumer lenders pre-qualify customers for personalized loan options in 60 seconds, with no impact to the homeowner’s credit score. Acorn Finance uses an initial soft credit inquiry to provide access to competitive, fixed-rate loans through a fast and easy online process.

  • What types of lending options are available?

    Depending on the lender that fits you best, you may be offered a personal loan or personal line of credit.


    A personal loan lets you borrow money now and pay it back over time with fixed monthly payments. Personal loans have fixed rates of interest and typically have terms ranging from 2 to 12 years. They may be unsecured (no collateral) or secured (collateral required).


    A personal line of credit allows you to borrow at any time based on a preset limit. As long as your account is open and your credit remains in good standing, you can borrow up to the maximum amount and pay interest only on the amount you actually borrow.

  • How much can be borrowed?

    Acorn Finance's network of lenders extends loans from $1,000 up to $100,000 for qualified customers.

  • What can the funds be used for?

    From your floor to the roof, and everything in between! Funds can be used to purchase and install virtually any home improvement expense. For instance, your project with us.

  • What are the best loan terms available?

    Applicants with excellent credit may be rewarded with rates as low as 6.24% and extended repayment terms of up to 144 months (12 years). We call it finance karma!

  • How long does it take to get approved?

    Qualified applicants can be approved quickly during business hours and may receive their funds as soon as within 1 business day.

  • Are there any fees?

    Checking your rates is absolutely free! Acorn Finance's lenders charge no penalties for early repayment.


    There are no processing fees on loans of more than $40,000. If you borrow less than $40,000, some lenders may charge an origination fee between 1-6%. You’ll see no-fee options clearly highlighted on your offers pages, so you can make a fully informed choice.

  • Can a co-borrower be included?

    Yes. Co-borrowers are encouraged to apply and can be added immediately after the initial applicant submits their information.

  • Is Acorn Finance legit?

    Acorn Finance is an accredited, safe, and secure business headquartered in Sacramento, California. They have an A+ rating at the Better Business Bureau and excellent ratings on TrustPilot. They receive thousands of requests each month from people checking for pre-qualified loan offers from their network of top lenders.


    *NOTE: The original company name was Headway Sales Inc. It was changed to Acorn Finance when they partnered with a commercial lender called Headway Capital and wanted to avoid confusion.


    Please reach out to their Support Team with any additional questions: 916-404-1982

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