Tiny Home Financing

Get financing for a tiny home in 60 seconds with no impact to your personal credit score.
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Tiny Home Financing With Acorn Finance

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Secure Tiny Home Financing

Get tiny home financing today – without impacting your credit score. If you are in the middle of a home remodel and you’re thinking of a tiny 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 tiny 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 tiny home financed quickly. Easily sort all the tiny 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 tiny home you want to build.

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Tiny 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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Compare tiny home financing options without affecting your credit score.

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Best Tiny Home Financing Options

Are you looking for a simpler lifestyle and financial freedom? If so, you should use tiny house financing to build or purchase an efficient and portable tiny house that can transform your life.

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What is a tiny house?

Tiny homes can be thought of as an idea or movement rather than a clearly defined definition. Most tiny homes are environmentally friendly and efficient small homes (less than 600 sq ft.) that are built on trailers. Tiny houses can offer lower living expenses, no mortgage, lower energy use, freedom of movement, less maintenance, a simpler life, and so much more. Tiny house financing can help you finance the initial investment to build or purchase a tiny home. Keep reading to learn more about tiny houses and tiny house financing options.

How cheap can you build tiny houses?

Similar to building a normal home, you have a lot of decisions to make while building a tiny home that can affect the cost.Tiny homes can cost anywhere between $10,000 to $180,000+. Tiny home financing can provide the funds you need to create your desired living space.

What is the average size of a tiny home?

Most tiny homes are about 60 to 600 square feet. While there’s no rule that says tiny homes have to be a specific size, they do need to fit on a trailer. Some tiny homes may extend the range to about 1,000 square feet.

Can you legally live in a tiny house?

Most jurisdictions consider tiny homes to be accessory dwelling units. Regulations can vary based on location. In most areas, you can legally live in a tiny home but it may be difficult to prove residency. Some of the most friendly tiny house states include Texas, Oregon, California, Colorado, and North Carolina. Before building your tiny home you should do your research to ensure that you select the best location for your situation.

Do you have to pay taxes on a tiny home?

In most cases, you do not have to pay taxes on a tiny house on wheels that you build. However, if your tiny home is on a piece of land that you own, you will most likely owe property tax for the land.

Do tiny houses have to be inspected?

Tiny homes do need to pass a home inspection. However, the tiny home inspection is different from a traditional home inspection. Similar to purchasing a traditional home, tiny houses need to pass inspection to be financed. Most tiny house inspections cover…

– Power

– Water

– Safety

– Insulation

What are 3 positive features of a tiny house?

Tiny houses are an attractive option for those looking to simplify their life and enjoy life more. While tiny houses offer a long list of positives, here are our top 3 positive features a tiny house can offer…

#1. Lower living expenses

In addition to costing much less than a traditional home to build or purchase, tiny homes offer lower living expenses for the long term too. On average, tiny house owners spend about $23,000 building their tiny home – that is nearly 10x less than building or purchasing a traditional home. Lower living expenses can give people the freedom to do more of what they want, save for retirement, and live a lower stress lifestyle.

#2. Lower energy use

Tiny houses can save you money in the long term thanks to their efficient ways of operating. Most tiny houses can be powered by a small solar array. In addition, break down waste without being hooked up to a sewage system. As a result, your tiny house is an environmentally friendly way to live.

#3. Freedom of movement

Most tiny houses are built on trailers meaning they are portable! This means your home can go with you for all the adventures you plan.


Can you finance a tiny home?

Yes, you can finance a tiny house using an online lender, bank, or credit union. However, in most cases you will not use a typical home loan to finance a tiny house. Most commonly borrowers use the following loan types to finance a tiny house…

– RV loan

– Unsecured personal loan

– Chattel mortgage

Will banks finance tiny homes?

Most banks offer personal loans that can be used to finance a tiny house. However, using an online lender may be faster and easier.

Can you get an FHA loan for a tiny house?

If your traditional home or tiny house is not attached to a permanent foundation you cannot get an FHA loan. Since most tiny houses are not built on permanent foundations they usually do not qualify for FHA loans.

Is it hard to get a loan for a tiny house?

Loans for tiny houses are pretty easy to secure and can be available for all credit types. Acorn Finance is a secure online platform that allows you to receive multiple personalized loan offers within minutes. This can help you find the best financing offer for a tiny house.

How much does it cost to finance a tiny house?

When it comes to the actual cost of financing a tiny house, a personal loan may be the most economical option. On average, RV loans offer interest rates between 4% to 15%. However, they usually require a 10% down payment. Most approved personal loans allow you to borrow up to $100,000 with zero down and no collateral. Acorn Finance partners with lenders that offer terms up to 12 years and interest rates as low as 4.99% for personal loans.

How do I get a loan for a tiny house on wheels?

To get a loan for a tiny house you can visit your local bank or credit union or use an online lender. If you are purchasing a pre-made tiny house, the company or manufacturer may offer financing as well. If you are looking for the quickest and easiest way to get a good deal on tiny house financing you should look into using an online lender.

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