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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.

PERSONAL LOANS: A personal loan is a financial product that allows a customer to borrow money now, and pay it back over time by making fixed monthly payments. Personal loans have fixed rates of interest and typically have terms ranging from 2–12 years. They also may be unsecured (no collateral) or secured (collateral required) depending on the specifics of the offer.

PERSONAL LINE OF CREDIT: A line of credit is a financial product that customers can borrow from at any time based on a preset limit. As long as the customer’s account is open and their credit remains in good standing, they can borrow up to the maximum amount and pay interest only on the amount you actually borrow. As it is paid off over time, that credit may once again become available for the customer to borrow from.

Acorn Finance’s network of lenders extend loans from $1,000 up to $100,000 for qualified consumers.

Applicants with excellent credit may be eligible for competitive rates and extended repayment terms of up to 144 months (12 years).

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

Acorn Finance's network of lenders charges no penalties for early repayment and no processing charges on loans over $40,000. For loans under $40,000, some lenders may charge an origination fee between 1–6%. No-fee options are highlighted on the offers page.

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