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Who is Acorn Finance?
Acorn Finance is a lending marketplace where top national online consumer lenders pre-qualify customers for personalized loan options in minutes, with no impact to the customer's credit score. Acorn Finance uses an initial soft credit inquiry to provide access to competitive loans through a fast and easy online process.
What types of lending options does Acorn Finance offer?
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.
How much can you borrow with Acorn Finance?
Acorn Finance’s network of lenders extend loans from $2,000 up to $100,000 for qualified consumers.
What loan terms are available?
Applicants with excellent credit may be eligible for competitive rates and extended repayment terms of up to 20 years.
For what purpose can the borrowed funds be used?
Funds can be used for any personal expenses, from home improvement to debt consolidation.
How long does the process take?
Qualified applicants can be approved quickly during business hours and may receive their funds as soon as within one business day2.
Are there any fees?
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.
Does Acorn Finance allow co-borrowers?
Yes. Co-borrowers are encouraged to apply and can be added immediately after the initial applicant submits their information.
Does Acorn Finance cover all 50 states?
Acorn Finance is available online in the United States via internet-connected smartphones, tablets and personal computers nationwide except for in Massachusetts. We’re rapidly expanding to all 50 states so please check the status of our current coverage area at https://staging.acornfinance.dev/faq/ to determine if we are serving your state.
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