ADU FINANCING

No Collateral Needed. Finance Your ADU.

You don't need to put your home on the line or drain your savings. Our personal credit loan program makes it easy to finance your ADU build — with rates as low as 7.80% and loan amounts up to $300,000.

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LOAN ADVANTAGES

Personal Credit Loans Built for ADU Homeowners

No home collateral, no home equity required. Get low-rate construction financing based on your credit — and start building your ADU with confidence.

Personal Credit Loan — No Home Collateral Required
Approval is based on your credit and income, not your home equity. Keep your property safe and unencumbered.
Low Monthly Payments, Rates as Low as 7.80%
Well-qualified borrowers can enjoy rates as low as 7.80%, significantly reducing your monthly payment burden.
No Prepayment Penalties
Pay off all or part of your loan at any time without any additional fees. Complete financial freedom and flexibility.
Minimum Credit Score: 640+
A reasonable threshold that makes ADU financing accessible to more homeowners than traditional construction loans.
100% Full Lump-Sum Disbursement
No staged draws or phased funding needed — your entire loan amount is available upfront (unless you prefer otherwise).
Soft Credit Check — Instant Pre-Qualification & Approval
No impact on your credit score. Get pre-qualified in minutes with a soft inquiry — fast, easy, and risk-free.
Debt Consolidation Available
Special programs for less-than-perfect credit. Even if your credit history isn't spotless, we have a path for you.
Loan Terms Up to 20 Years
Loan amounts from $1,000 to $300,000 with flexible term options to minimize your monthly payments.
FAQ

Frequently Asked Questions About ADU Personal Credit Loans

What type of loan is this? Do I need to use my home as collateral?
This is a personal credit loan (Personal Loan) that does not require your home as collateral. Approval is primarily based on your credit score and income, not your home equity — keeping your property safe and unencumbered.
My credit score is below 640. Can I still apply?
640 is our minimum recommended score. If your score is slightly lower, we offer debt consolidation services and special programs for less-than-perfect credit to help you improve your standing and qualify. Contact us for a free evaluation.
How long does the approval process take?
We use a soft credit check for instant pre-qualification, with results typically available within minutes. Full approval is equally efficient so you can start your ADU project sooner rather than later.
Can I pay off the loan early? Are there penalties?
Absolutely. Our loan program has no prepayment penalties whatsoever. You can pay off all or part of your loan at any time without any additional fees — giving you maximum financial flexibility.
What loan amounts and terms are available?
Loan amounts range from $1,000 to $300,000, with terms up to 20 years. We'll match you with the best option based on your credit profile, income, and project needs.

Ready to Finance Your ADU Build?

Get instant pre-qualification with a soft credit check in just 60 seconds. No impact on your credit score, no obligations.

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