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Tiny Home Financing

Flexible tiny home financing made simple.

Nationwide lending partners. No minimum credit score. 5% down. Terms to 25 years. Get pre-qualified in 5 minutes — no impact to your score.

Get Pre-Qualified → Browse Homes
Low Down PaymentsAs low as 5% down. Zero-down options available for qualifying buyers.
All Credit TypesNo minimum credit score. We partner with lenders who look at income and total picture.
Fast ApprovalsPre-approval in 24 hours. Soft credit pull only at pre-qual — no impact on your score.
Nationwide LendersAccess to a network of 14+ tiny home, RV, and chattel lenders. We shop rate for you.
Financing Options

Four programs, one pre-qualification.

Apply once — we match you to the program that fits your credit, your home, and your life.

Personal Loans

Unsecured loans — no land required as collateral. Best for buyers with strong credit who want speed and simplicity.

  • 3-7 year terms
  • Fixed interest rates
  • No land required
  • Fast online approval
  • Funds in 5-10 days
Apply for this program →

RV / RVIA Financing

Best rates for RVIA-certified tiny homes on wheels. 20-year terms and the lowest APRs we offer, funded by RV-specialist lenders.

  • Lowest interest rates
  • Up to 20-year terms
  • RVIA certification required
  • Nationwide lenders
  • 5-10% down
Apply for this program →

Chattel Mortgages

Finance your home as personal property. Long terms, low monthly payments, and the path most buyers take for manufactured / HUD homes.

  • Longer repayment periods
  • Lower monthly payments
  • All credit types considered
  • Competitive APR
  • Up to 25-year terms
Apply for this program →

Dealer Financing

Direct financing through our trusted partner network. Great for buyers who want a single point of contact from pre-approval through delivery.

  • Pre-approval in 24 hours
  • Flexible payment plans
  • 5% down options available
  • No prepayment penalty
  • Financing runs parallel to build
Apply for this program →
How It Works

Tiny home financing explained.

Tiny home financing works differently than a traditional mortgage. Most lenders classify tiny homes as personal property or recreational vehicles — which opens specialized loan programs a bank can’t offer.

  • RVIA-certified homes qualify for the best RV loan rates
  • Personal loans require no land or property as collateral
  • Approval is based on income, credit, and home value
  • Terms range from 3 to 25 years depending on program
Get Pre-Qualified →
Payment calculator
Home price$65,000
Down payment10%
Loan term15 years
APR (est.)7.9%
Estimated monthly $555
Loan amount$58,500
Total interest$41,300
Total paid over life$99,800

Estimate only. Real rate and monthly payment locked at full application.

Payment Examples

Three real scenarios.

Estimates based on standard loan programs. Actual rates vary by credit and lender.

Home price $45,000
Estimated monthly ~$425 9.0% APR

10-year term at 8.9% APR

Personal loan -- no land required

Home price $75,000
Estimated monthly ~$650 7.5% APR

15-year term at 7.5% APR

RV loan -- RVIA-certified home

Home price $120,000
Estimated monthly ~$920 6.9% APR

20-year term at 6.9% APR

Chattel mortgage -- excellent credit

How To Get Started

Four simple steps to move-in day.

1

Apply Online

Fill out our simple 5-minute pre-qualification form with basic income and credit info.

5 minutes
2

Get Matched

We match you with the best lender from our nationwide network within 24 hours.

24 hours
3

Choose Your Home

Browse our inventory and select the tiny home that fits your budget and lifestyle.

At your pace
4

Move In

Complete final paperwork, arrange delivery, and start living your tiny home dream.

30-45 days
Start My Application → No hard credit pull. 5-minute pre-qualification.
Secure & Confidential Application

Financing Application

Complete all sections below. A specialist will contact you within 1 business day to discuss your options.

  1. 1Personal
  3. 2Employment
  5. 3Financial
  7. 4Purchase
👤 PERSONAL INFORMATION
Encrypted and used only for pre-qualification purposes.
💼 EMPLOYMENT INFORMATION
💰 FINANCIAL INFORMATION
🏠 PURCHASE INTENT
Draw your signature above using your mouse or finger. This confirms your authorization.

No hard credit pull. Our team will contact you within 1 business day.

Frequently Asked

Financing questions.

Do I need good credit to finance a tiny home?
No. We work with lending partners who have no minimum credit score requirement and evaluate income, debt-to-income ratio, and down payment alongside credit. Buyers with scores under 600 are approved regularly.
How much do I need to put down?
Most programs start at 5% down. RVIA-certified homes can go as low as 0% down for qualifying credit profiles. Higher down payments (15-20%) unlock the lowest advertised rates.
What’s the difference between a personal loan and a chattel mortgage?
A personal loan is unsecured (no collateral) with shorter terms and typically higher rates. A chattel mortgage is secured by the home itself with longer terms (up to 25 years) and lower monthly payments — the home acts as collateral but it doesn’t require you to own land.
Can I finance both the home and the land?
Not through most tiny home lenders — they finance the home only. Land is typically purchased separately (cash, land loan, or owner-financed). Some of our buyers combine a land loan with a chattel mortgage for a package solution.
How long does the approval process take?
Pre-qualification is instant (5 minutes online). Formal pre-approval takes 24 hours once you submit income docs. Final loan approval and funding typically occur within 2-3 weeks of pre-approval.
What are current interest rates?
Rates vary by lender, credit, and loan type. As of 2026, RVIA-certified homes see rates as low as 6.5% APR, chattel mortgages 6.9-9.5%, and personal loans 7.9-14%. Your personal rate is finalised at full application.
Can I pay off my loan early?
Yes. All of our recommended lenders offer no prepayment penalty on standard programs. Paying extra toward principal can save tens of thousands over the life of a 20-year loan.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit pull that doesn’t affect your score. A hard pull only happens when you formally apply for a specific loan — and with your explicit consent.