Green Loans & Financing Options

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Green Financing With Acorn Finance

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Business owners and homeowners can take advantage of green loans to make eco-friendly and energy-saving improvements while saving money on their utility bills every month. If you are are interested in green and eco-friendly home improvement financing, contact us today!

No matter your credit score, if you want to secure green financing anywhere across the U.S., Acorn Finance will provide pre-qualified loans in seconds to get funds quickly. Easily sort all the loan offers by what matters to you: interest rate, payment amount, length of the loan term.

Never impact your credit score when comparing rates between our network of trusted partners. 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance green home improvements.

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Green Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your funds in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Secure A Green Loan?

Compare green loan & financing options without affecting your credit score.

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Best Green Loans & Green Financing Options

Business owners and homeowners can take advantage of green loans to make eco-friendly and energy-saving improvements. Perhaps you’re looking to install solar panels, energy-efficient appliances, or a new water heater but the cost is holding you back. If so, you should look into a green loan or personal loan. Making eco-friendly improvements can reduce your environmental footprint while helping you save money over the long term by reducing energy bills. Keep reading to learn the ins and outs of green loans.

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What does “green loan” mean?

A widely accepted way to define green loans is lending that is subject to specific environmental criteria. Green loans were initially introduced as an initiative to encourage homeowners and business owners to make energy-saving and eco-friendly improvements. Green loans differ from traditional loans because the repayment can be added to your electricity bill each month. The idea is that the cost of the loan should not exceed the cost of energy saved. In most cases, repayment is spread out over 10-25 years. Green mortgages are a similar alternative to green loans. Green mortgages offer borrowers a 1% discount on their mortgage rate for an existing home. On new construction borrowers can receive a 1.25% discount on their mortgage rate.

What does a green loan cover?

Oftentimes when we think about energy-efficient homes we think about the obvious improvements such as solar panels. However, it’s important to realize that there are so many more ways to make homes more environmentally friendly. Green loans can be used for just about any home or business improvement that is deemed eco-friendly including but not limited to…

– Solar panels

– Cool roofing

– Landscaping (turf instead of grass, rocks, etc.)

– Pool pumps

– LED lighting

– Energy Star appliances (washing machines, dishwashers, etc.)

– Low water use irrigation system

– Upgraded windows

– Insulation improvement

– Heating and cooling systems that are more efficient

What is required to acquire a green loan?

In order to secure a green loan or mortgage borrowers must commit to…

– Reducing energy intensity

– Encouraging and educating tenant on sustainable practices

– Delivering energy performance data

– Managing buildings and homes more efficiently

Why is green financing needed for the world?

In all honesty, we do not really need green financing in the world. What we need is a society committed to reducing their environmental footprint combined with ways to make this more affordable. While green loans do encourage business owners and homeowners to make eco-friendly improvements there are other types of loans available.

Are there added benefits to getting a green loan?

Compared to most traditional loans green loans have a few advantages. Green loans and personal loans do not require any collateral. This means you do not need home equity or cash upfront to receive the loan. Using a green loan or personal loan is less risky than using a home equity loan. If you live in a state that offers their own green lending program – which a number of states do – you may be able to take advantage of their varying eligibility requirements. In addition, green loans may have lower interest rates than comparable options. Typically green loan interest rates come in below 5%. Personal loans through Acorn Finance also have rates as low as 4.99% making them a competitive option if you cannot qualify for a green loan or want to use your loan for more than just eco-friendly improvements.

What are the downsides of a green loan?

One of the biggest downsides to a green loan can be the obstacles trying to secure one. An energy audit is usually one of the first steps required for getting a green loan. The cost of improvements should be detailed during the audit. Repayment terms and borrowing amounts for green loans are dependent upon necessary modifications to make your home more environmentally sustainable. Securing a personal loan can be much easier with comparable terms in most cases.

Can I get a green loan with bad credit?

Green loans are available for a wider range of credit scores than comparable options. However, personal loans are also available for all credit types. If you get denied for one you should try to apply for the other.

Best alternatives to green loans

As we discussed earlier, securing a personal loan can be easier than securing a green loan. In addition, there are no limitations on how you spend the money that you borrow. Acorn Finance is a top-rated platform that offers personal loans up to $100,000 and terms up to 12 years. Interest rates start at just 4.99%.

Let’s take a look at the pros and cons of a personal loan…


– Loans available up to $100,000

– Competitive interest rates as low as 4.99%

– Terms up to 12 years

– Receive pre-qualified offers without impacting your credit score

– Easy to activate


– Not a direct lender

– Credit may be required for approval


In conclusion, personal loans and green loans can have very comparable terms that can make innovating eco-friendly improvements more affordable. Acorn Finance allows you to submit one application – that does not affect your credit – and receive multiple personalized and competitive offers within seconds. From start to finish Acorn Finance makes securing a personal easy and safe while ensuring you receive the best offer!

Three steps to get started with Acorn Finance:

#1. Complete and submit a short loan application online

#2. Receive multiple pre-qualified offers

#3. Get connected with lenders to obtain your pre-qualified loan

Reduce your environmental footprint today… apply online for a personal loan!

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