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Acorn Finance is A+ rated and have a 4.7+ TrustScore
as of September 2025
How It Works
Complete a 60-second pre-qualification form
Checking for offers won’t impact your credit.
Review personalized loan options
If prequalified, you'll see offers in about 30 seconds.
Select your loan and finish the application
Your chosen lender will perform a hard credit check.
Receive funds directly to your account
Most loans fund within 1–5 business days.
1. Rates as of 6/14/2024. Advertised rates and terms are subject to change without notice. Estimated interest rates, APRs, and other terms are not binding in any way. For illustrative purposes only, if you request $10,000, you could get a total loan of $10,000 with an 8.94% interest rate and $0 fees (note, if the lending partner charges an origination fee, it will increase the APR). You would receive $10,000 with 84 payments of $161. Your actual interest rate and APR will depend on factors like credit score, requested funding amount, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. Offers represent lowest monthly payment for amount and term displayed. When evaluating offers, please review the funding partner’s terms and conditions for additional details. All loans and other financial products are subject to credit review and approval by our partners.
2. If approved, funding times may vary. We work with some lenders that do not have a requirement for a credit check and use income and/or employment to make decisions on eligibility for their financial products. Underwriting criteria is established by our partners, not Acorn Finance. Most of our lenders will do a soft pull, which 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.
Not currently available in MA, NV or USA territories or outside the USA