Do the Project Now. Pay for It Sensibly.
A failing roof does not wait for a good month. Check your real rate through Acorn Finance in about two minutes — it uses a soft credit check, so your score is not affected, and you see offers from multiple lenders before committing to anything.
Soft credit check · No impact on your score · No obligation
Monthly payment calculator
What Would Your Project Cost Per Month?
Move the sliders to see an estimated payment. Then check your real rate — it takes about two minutes and uses a soft credit check that does not affect your score.
Used only to pick an illustrative rate for the maths. Your actual offers come from Acorn's lenders after pre-qualification.
Estimated monthly payment
$0/mo
Based on $18,000 over 7 years at an illustrative 12.99% APR
- Total of payments
- $0
- Total interest
- $0
- Soft credit check — no impact on your score
- About two minutes, 100% online
- Compare offers from multiple lenders
- No prepayment penalties
This is an estimate, not an offer. Figures shown are calculated from the values you selected using standard amortisation and are for illustration only. They do not represent a financing offer, a pre-approval, or terms available to you.
Financing is provided by third-party lenders through Acorn Finance, a lending marketplace. Top Dog Exteriors is not a lender and does not make credit decisions. Acorn Finance is not a lender either — it connects you with its network of lending partners.
All financing is subject to credit approval. Across Acorn Finance's lender network, annual percentage rates range from 4.99% to 35.99% APR, loan amounts from $1,000 to $100,000, and terms from 2 to 12 years. The rate, amount and term you are offered depend on your creditworthiness and are disclosed in your loan documents before you sign anything. Not all applicants will qualify. Checking your rate uses a soft credit inquiry that does not affect your credit score; proceeding with an offer may result in a hard inquiry by the lender.
Four Steps, No Pressure
- 01
Check your rate
Answer a few questions on Acorn Finance's secure form. It takes about two minutes and uses a soft credit check, so your score is untouched.
- 02
Compare real offers
Acorn returns offers from its network of lending partners side by side — rate, term and monthly payment — so you can see which one actually suits you.
- 03
Pick one, or none
Choose the offer you want and finish with that lender directly. If none of them work for you, walk away. Nothing is committed at this stage.
- 04
We get to work
Funds go to you, not to us, so you stay in control of the project and of when we get paid.
One Form. Multiple Lenders. No Sales Pitch From Us.
Plenty of contractors push a single in-house finance product because it pays them a commission. We would rather you saw several real offers and picked the cheapest one — including the option of not financing at all.
- You see the rate before you commit to anything
- Funds go to you, not to us
- We are not a lender and make no credit decisions
- No prepayment penalties on Acorn's network
Financing Questions
Does checking my rate affect my credit score?
No. Pre-qualification uses a soft credit inquiry, which is not visible to other lenders and does not affect your score. Only if you accept an offer and move forward does that lender run a hard inquiry.
Who is actually lending me the money?
Acorn Finance is a marketplace, not a lender — and neither are we. You submit one form and Acorn returns offers from its network of lending partners. You then complete the loan with whichever lender you choose. Top Dog Exteriors makes no credit decisions and sees none of your credit information.
What rates and terms are available?
Across Acorn's lender network, APRs range from 4.99% to 35.99%, loan amounts from $1,000 to $100,000, and terms from 2 to 12 years. What you are offered depends on your credit profile. Anyone who quotes you a single rate before you have applied is guessing.
How long does approval take?
The application takes about two minutes and most homeowners see offers immediately. Funding timelines vary by lender, but are commonly a few business days.
Do I need money down?
Not for the financing itself. We also do not ask for large deposits before work begins — Pennsylvania caps home improvement deposits, and a contractor who needs your cash to buy your materials is telling you something about their finances.
Can I pay the loan off early?
Acorn's lending partners do not charge prepayment penalties, so paying early simply saves you the remaining interest. Confirm the specific terms in your loan documents before signing — that is where the binding language lives.
Can I use financing on an insurance claim?
Yes, commonly to cover your deductible or upgrades beyond the insurance scope. What we will not do is discount the job to make your deductible disappear. That is illegal in Pennsylvania and it is insurance fraud, no matter how routinely you have heard it offered.
What if I do not qualify?
We will talk about scope instead. A project can often be phased — the roof this year, the siding next — so the urgent work gets done without stretching you. We would rather do half the job right than talk you into a payment you will resent.
Price the Project First
Start with a free estimate and a real number. Financing is a lot easier to think about once you know what you are financing.
(412) 438-8364