Last updated June 2026
Pre-qualifying does NOT affect your credit score
4.6 out of 5 · 937 reviews
Rating: A+
Safe. Simple. Secure.
Acorn Finance partners a network of lenders to bring you flexible financing options for your project — all online and hassle-free.
No Impact to Your Credit Score
Soft credit pull only when checking for pre-qualified offers
$1,000 to $100,000
Competitive APRs from 30+ lenders competing for your business
Terms from 2–20 Years
Flexible repayment to help spread out your payments
How to Apply
Step 1: Apply Online
Fill out a short form in about 60 seconds. Only a soft credit pull — no impact to your credit score.
Step 2: Choose an Offer
If you’re pre-qualified, compare personalized offers from multiple lenders and apply for final approval with the one you choose.
Step 3: Get Funded
Once approved, you could get funded in as soon as 24 hours. Use your funds to pay your project costs and let’s build.
Why Finance Through TGM?
✅ No Obligation
No cost to apply, no hidden fees, no obligation. Checking your rate costs you nothing and does not affect your credit.
✅ 30+ Lenders Competing
Multiple lenders bid for your business, which means better rates and higher approval odds than going to one bank.
✅ Loans Up to $100,000
Finance projects from $1,000 to $100,000 with competitive APRs and terms from 2 to 20 years. No equity required.
✅ No Credit Score Impact
Pre-qualification uses a soft credit inquiry only. Your credit score stays exactly where it is.
✅ Funded in 24 Hours
Once approved, you could get funded in as soon as 24 hours. Your project doesn’t have to wait.
✅ No Prepayment Penalties
Pay off your loan early without any penalties. No origination fees on loans over $40,000.
Why Customers Love Acorn Finance
Everything was very smooth and straightforward. Applied on Sunday night. Had the money on Monday afternoon.
— Peter M.
Probably one of the best loan experience I have ever had. They made the whole process easy and stress-free.
— Shawn M.
Frequently Asked Questions
Will checking my rate affect my credit score?
No. Pre-qualifying uses a soft credit inquiry that does not impact your credit score. However, if you choose an offer and formally apply with a lender, they will conduct a hard credit pull.
What credit score do I need?
Lenders in the network consider scores as low as 560. A co-borrower (spouse or family member) can help strengthen your application.
How much can I borrow?
Loans range from $1,000 to $100,000 with competitive APRs depending on your qualifications. You’ll see your exact options after applying.
What are the repayment terms?
Terms range from 2 to 20 years, so you can choose a payment schedule that fits your budget. There are no early repayment penalties.
How quickly will I get the money?
Once approved, you could get funded in as soon as 24 hours. Funding times may vary by lender.
Do I need home equity?
No. These are personal loans — no home equity, no collateral, and no lien on your property.
Can I apply before I get an estimate?
Yes! You can pre-qualify anytime to see your budget before scheduling your design consultation with TGM.
Already applied? Sign in to view your offers →
Looking for other options? We also offer HELOC financing through Figure, personal loans through Intuit, and multiple payment methods including credit cards, ACH, Apple Pay, and Google Pay.
*All loans and other financial products are subject to credit review and approval by our partners. If approved, funding times may vary. Prequalifications use a soft credit pull that 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. Funding times may vary.
Ready to Start Your Project?
Get pre-qualified for financing, then schedule your design consultation