Does checking my rate hurt my credit score?
No. Both Acorn Finance and HFS Financial use a soft credit inquiry when you check your rate or pre-qualify, which has zero impact on your credit score. Only if you proceed with a formal loan application through a specific lender will a hard inquiry occur.
What is 0% APR and how long does it last?
0% APR means you pay no interest on your loan balance during the promotional period. The length of the 0% period depends on the specific offer you qualify for. Once that period ends, interest begins — so many homeowners use it as a way to pay off the project entirely before any interest kicks in.
Do I need home equity to qualify?
No. Both of our financing partners offer unsecured personal loans, which means your home is not used as collateral. Approval is based on your income and creditworthiness — not how much equity you've built up. This also means there's no appraisal and no risk to your home if circumstances change.
How much can I borrow?
Through Acorn Finance, loan amounts reach up to $100,000. Through HFS Financial, you can access financing from $5,000 up to $300,000 for larger projects. Your approved amount will depend on your credit profile and income.
Can I pay off my loan early?
Yes — both lending partners charge no prepayment penalties. If you sell your home, come into extra funds, or simply want to pay off your balance early, you can do so without any additional fees.
What kinds of exterior projects qualify?
Financing is available for the full range of Noverra Exteriors services, including roofing, siding, windows, gutters, and exterior doors. You can also use the loan to bundle multiple projects together into a single payment — which often makes the most sense if you're replacing both a roof and siding at the same time.
I have less-than-perfect credit. Can I still apply?
Yes, it's worth applying. Acorn Finance works with a network of 30+ lenders and can match applicants across a range of credit profiles. HFS Financial bases qualification on income and creditworthiness. Approval isn't guaranteed for everyone, but checking your options costs you nothing and takes only a minute.