Keep your budget flexible.
See what you qualify for in about 60 seconds. Checking your rate is a soft pull and does not affect your credit score.
Check your rate with Acorn Finance
Pre-qualifying does NOT affect your credit score
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Three steps to funded
Apply online
Fill out a short form. Soft credit pull only, so your score is not affected.
Choose an offer
If you pre-qualify, compare personal offers from several lenders and apply with the one you pick.
Get funded
Once approved, funds can arrive quickly. Timing depends on the lender. Then we build.
Straight terms, no pressure
No obligation
Checking your rate commits you to nothing and does not affect your credit.
Lenders compete
Acorn’s network of lenders bids for your loan, which usually beats walking into one bank.
Up to $100,000
Loans from $1,000 to $100,000 with 2- to 20-year terms. No equity required.
Soft pull only
Pre-qualification is a soft inquiry. Your score stays where it is.
Fast funding
Once approved, you could be funded in as little as a day. Your project doesn’t have to wait.
No prepayment penalty
Pay the loan off early with no penalty. No origination fees on loans over $40,000.
Know your number first
Pre-qualify before we walk the job so you know what budget you’re working with. Then we scope the project to fit it.
Want other options? We also offer HELOC financing through Figure, personal loans through Intuit, and card, ACH, Apple Pay and Google Pay payments.
Financing FAQ
Will checking my rate affect my credit score?
No. Pre-qualifying uses a soft credit inquiry. If you choose an offer and formally apply, that lender will run a hard credit pull.
What credit score do I need?
Lenders in the network consider scores as low as 560. A co-borrower, like a spouse or family member, can strengthen an application.
How much can I borrow?
Loans range from $1,000 to $100,000. Your rate depends on your qualifications. You’ll see your exact options after applying.
What are the repayment terms?
Repayment terms run from two to twenty years, so you can pick a payment that fits your budget. No early repayment penalties.
How quickly will I get the money?
Once approved, you could be funded in as little as 24 hours. Funding times vary by lender.
Do I need home equity?
No. These are personal loans. No home equity, no collateral, no lien on your property.
Can I apply before I get an estimate?
Yes. Pre-qualify any time to see your budget before your consultation with TGM.
*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.
Get pre-qualified, then plan it
Serving all of Wayne County, northern Cayuga County and western Oswego County.