Shipping Container Home Financing

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Shipping Container Home Financing

Get shipping container home financing today – without impacting your credit score. If you are in the middle of a home remodel and you’re thinking of a shipping container home, or even a pole barn structure, Acorn Finance can get you the financing you need.

No matter your credit score, if you want to secure shipping container home financing in California, Texas, Colorado, or anywhere across the U.S., Acorn Finance will provide pre-qualified loans in seconds to get your new shipping container home financed quickly. Easily sort all the shipping container home 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 a shipping container home you want to build.

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Shipping Container Home 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)

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Shipping Container Home Financing Options

Shipping container home financing is available to help make the american dream of owning your own home a reality. Keep reading to learn more about building and financing a shipping container home.

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What is a shipping container home?

Shipping container homes are exactly what they sound like… a home built within a steel shipping container. At first you might reject the idea of a shipping container home, but hear us out. Shipping container homes are trending because they make an affordable, convenient, eco-friendly, and modern looking living space. In addition, the construction process is simple. You start by ordering the number of shipping containers you need and get them delivered.During production the shipping container is pre-fitted for insulation and built to be structurally sound. Since shipping containers are built in a factory setting there are strict quality standard requirements. Once your containers are delivered, the transformation can begin.

Are container homes considered mobile homes?

In most cases, shipping container homes are not considered mobile homes. While they are both an affordable and eco-friendly living solution, they have their differences. Mobile homes usually offer better insulation and can be preferred in areas that have harsh climates. Shipping containers are usually only about 8 feet wide by 8 feet tall. This means you may need more than one shipping container. Mobile homes are usually offered in a variety of sizes and styles.

Can you legally live in a shipping container?

Yes, in most states, shipping containers can be legally modified into residential units. Just like mobile homes and site-built homes, shipping container homes are required to meet building codes and zoning requirements in order to be a legal living space.

Do you need a permit to put a shipping container on my property?

Whether you need a permit or not for a shipping container home depends on where you are located. If you are using the storage container as a residential unit the chance of needing a permit can increase.

Where are shipping container homes legal?

In most states shipping container homes are legal. Any state or city that is not allowing them yet, should be seriously considering allowing shipping container homes. You should contact your city or county planner to find out about local regulations for shipping container homes.

What adjustments must be made to a shipping container to live in?

Building a shipping container home can be easier than building a tiny home because the shell is already there. Once you order and receive your container or containers it’s time to transform them into your desired living space. Let’s look at some of the steps involved in transforming a shipping container into a home…

#1. Design your space

Before starting any construction you should sit down and decide how to make your shipping container(s) a functional living space. Where do you want the windows? Where do you want the bedrooms? Do you want a loft? How should your containers connect? Even though you may have a small space, the design potential is unlimited.

#2. Consult an engineer & finalize your design

If you plan on removing or adding walls you should consult an engineer to ensure your container will remain structurally sound. Once you have your plans confirmed as safe, you can finalize your design.

#3. Prepare your land

Once you have selected where your shipping container home will go, you should prepare the land. The land should be leveled with a foundation for the container. Make sure you have a clear path for the containers to be delivered safely.

#4. Choose, buy, receive, and connect your shipping containers

This is an important step. After you select and purchase your containers they should be delivered. After they have been delivered it’s time to connect the containers, assuming you ordered more than one. If your design requires any structural reinforcements they should be added during this step as well.

#5. Cut your openings

Once your containers are connected it’s time to start cutting our windows, doors, and other parts of the walls. This is an exciting step where you can really start to see your design vision coming to life.

#6. Remove flooring

Most people prefer to remove the flooring of their shipping container home because it’s been treated with harsh chemicals. If you wish to protect yourself and remove the factory floor you should do it before moving onto the next step.

#7. Frame, sheath, and add the floor and the insulation

During this step you should add your frame and insulation. The type of insulation you use can vary depending on where you live. If you remove the floor you will want to install your new flooring.

#8. Add electric, decorate, and move in

This step is pretty self explanatory… add your finishing touches and move in. Welcome home!

How much do container homes cost to build?

Larger shipping container homes can cost between $150,000 to $175,000 to build. However, if you are experienced and handy you can build a shipping container home for about $10,000+. There are a lot of factors that can influence the cost such as size, location, insulation, design features, and more.

How long do container homes last?

Shipping containers are made out of steel, which is very durable. In most cases, shipping container homes can last 25 years without needing any major maintenance.

Do container homes appreciate in value?

Surprisingly, yes, container homes usually retain or appreciate in value.

Will banks finance shipping container homes?

Financing options can be limited for shipping container homes. Most banks choose not to lend funds for a property that is not fixed to a permanent location. Personal loans can be one of the best options for financing a shipping container home. You can pre-qualify for a personal loan using an online lender, bank, or credit union. Online lenders can offer a faster and easier process while still delivering competitive rates and high loan amounts. Acorn Finance offers personal loans for shipping container home financing for all credit types.

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