ADU Financing

Get financing for an accessory dwelling unit in 60 seconds with no impact to your personal credit score.
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ADU Financing With Acorn Finance

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Secure ADU Financing Today

Get your new accessory dwelling unit financed today. If you are in the middle of a home remodel and you’re thinking of adding an ADU or even pole barn structure, Acorn Finance can get you the money you need.

No matter your credit score, if you want to secure financing for an ADU in California, Texas, Georgia, or 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 an ADU you want to build.

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ADU 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 ADU Financing?

Compare accessory dwelling unit financing options without affecting your credit score.

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Best Accessory Dwelling Unit (ADU) Financing Options

An accessory dwelling unit (ADU) is an attractive option for creating more space while increasing your home’s value. So what does an ADU cost? Can you obtain financing for an ADU? The good news is, yes you can obtain ADU financing. You can also get tiny home financing if you prefer to live a more mobile lifestyle. While there really is not any bad news, ADU’s can be costly to build or convert. Below we will discuss average ADU costs, regulations, financing information, and more regarding ADU’s. Keep reading to learn all about ADU’s!

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What is an Accessory Dwelling Unit (ADU)?

An independent residential stand alone, attached or detached unit located on the same lot as a single family home is known as an accessory dwelling unit (ADU). ADU’s commonly are referred to as accessory apartments, secondary suits, granny flats, and so on. Although it may sound complex, ADU’s are actually a very simple and old idea. Additional examples of an ADU can include…

– Tiny house in the backyard (as long as it’s on a foundation)

– Apartment over the garage

– Basement apartment

What is the purpose of an ADU?

In most cases, the primary purpose of an ADU is to create more space. Adding an ADU can be a great way to invest in your current home while making it more functional and increasing its value.

Can you rent out an accessory dwelling unit?

Depending on your location, your accessory dwelling unit may or may not be rented. Some places may have regulations such as the owner must live on the property or that you can not advertise your ADU for rent.

Does an ADU have to have a kitchen?

ADU’s do not have to have a kitchen in most cases. In California or expensive living areas, ADU’s are commonly used as independent rental units that include their own kitchen, entrance, bathroom, living space, parking space, and more.

Does adding an ADU increase property taxes?

In most places, adding an ADU will increase property tax but only on the marginal value. It’s usually treated like a home addition but the existing homes value is not reassessed.

How much does an ADU cost on average?

ADU’s vary widely when it comes to cost. Factors such as whether the unit is attached or detached and design costs, permit costs, and so on can influence the cost of adding an ADU. Detached new construction typically costs more than attached or basement accessory dwelling units. On average ADU’s range from $150-$300 per square foot. In order to determine what your ADU could cost you should consult a professional and get an estimate.

Does an ADU increase property value?

Recent studies demonstrate that accessory dwelling units can increase home value by an average of 51%. In some areas, homeowners are being encouraged to add accessory dwelling units. Officials and communities believe that ADU’s can be the solution to helping aging family members, creating more room for children, or creating space to generate more income in areas that are particularly expensive to reside in.

The Best ADU Financing Options for 2020:

Adding an ADU can be a costly but well worth it investment. Luckily, financing options are available to make adding an ADU more affordable. Let’s compare the 3 best ADU financing options for 2020.

1. Personal Loan

Personal loans are available for all types of credit and can be used for ADU financing. Although rates may be higher compared to secured loans, most personal loans don’t require any collateral. Personal loans are often easier to secure and tend to be less risky than comparable options. Acorn Finance is a top-rated platform that helps consumers receive multiple personalized and competitive personal loan offers up to $100,000 within seconds.

Benefits of an ADU Personal Loan

– Simple application and approval process

– No collateral needed

– Fixed interest rate for the duration of the loan (in most cases)

– Competitive interest rates

– Borrow almost any amount (typically between $1,500 – $100,000)

– Generous amount of time allowed to repay loan

– Quick funding

Personal Loan Cons

– Interest rates may be slightly higher than comparable options

– Credit history necessary in most cases

– Fixed payments

– Many personal loans have origination fees

– Some personal loans come with prepayment penalties

2. Home Equity Line of Credit

Do you have equity in your home? If so, a home equity loan can allow you to borrow against your house. These funds can be used to complete the ADU project you’ve been daydreaming about. However, doing your research is critical to determine whether a home equity line of credit (HELOC) is the best option for you. Compared to a personal loan, a home equity line of credit can be a riskier option.


– Good credit customers typically pay no closing costs

– No fees for cash draws

– Low interest rates (loan is secured by your home equity)

– Tax advantages

– Pay off loan early with no additional fees (in most cases)

– No justification needed for how the money is spent


– Low payment option may cause the loan to extend far longer than you wanted or create a bad financial situation

– Interest rates are adjustable, they can rise

– Requires ongoing attention to avoid a sudden increase in payment

– Look out for hidden fees

– Your home may decrease in value

3. Credit Card

Credit cards can be a convenient solution for ADU financing but you should consider the pros and cons. Some credit cards may offer special 0% interest promotions that you can take advantage of. However, in most cases credit cards have higher interest than personal loans. Credit cards may help cover some of the expenses associated with your ADU project but are most likely not the solution for financing the whole bill.


– Build your credit

– Convenient

– Potential to earn rewards

– Buy now, pay later

– Theft protection

– Special promotions may apple


– Higher interest rates

– Annual fees may apply

– Vague approval requirements

– Read the fine print

– Increased risk for fraud


In conclusion, a personal loan can be the least risky and best option for financing an accessory dwelling unit. Acorn Finance is a reliable and top-rated company that provides personal loans for ADU financing. Our platform can allow you to receive and compare multiple personalized and competitive loan offers within seconds. In addition, your credit should not be affected by submitting an application.

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

Transform your home today… apply online for ADU financing now!

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