Sunroom Financing

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Sunroom Financing With Acorn Finance

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Get your new sunroom financed today. If you are in the middle of a home remodel that includes a sunroom addition, Acorn Finance can get you the money you need.

No matter your credit score, if you want to secure financing to add a sunroom to your home, Acorn Finance will provide pre-qualified loans in seconds to get funds quickly. Easily sort all the 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 fund your plans for a sunroom addition almost instantly.

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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive 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)

Ready To Finance Your Sunroom Addition?

Compare sunroom financing options without affecting your credit score.


Best Sunroom Financing Options

Are you considering adding a sunroom extension to your home but wondering what it costs? Let us help you understand the cost, benefits and financing options associated with sunrooms. Sunrooms offer a unique space that allows you to enjoy the outdoors without the blazing heat and annoying insects. However, adding a sunroom can be expensive, making sunroom financing an attractive option. If you are on a limited budget prefabricated sunrooms may be a good option for you. Keep reading to explore financing options and all you need to know about adding a sunroom extension.

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What is a sunroom?

Sunrooms are popular home additions that are typically glassed-in living spaces that are attached to the home with indoor and outdoor access. Sunrooms can also be referred to as solariums, sun porches, patio rooms or garden rooms. Although most sunrooms are custom designed, they are usually located on the side or back of the house.

Can you finance a sunroom?

Homeowners can finance a sunroom and other related home improvement projects. If you are considering financing, you should start by determining how much money you may need to borrow. During the preliminary budgeting stage you can get estimates from a few contractors but you may want to hold off on any negotiating until you are pre-qualified. Once you have determined how much money you need to borrow, you can choose the type of financing that is best for you. Most homeowners use a secured or unsecured loan. Unsecured loans may be faster and easier to qualify for. Secured loans require collateral such as your home, thus making them more risky for homeowners if you end up defaulting. To get pre-qualified for an unsecured loan for sunroom financing you can submit an inquiry at Acorn Finance. Within minutes you can receive multiple personalized loan offers without affecting your credit score.

Is a sunroom a good investment?

Most homeowners and experts would agree that a sunroom is a bright investment. Sunrooms provide homes with more living space that is versatile, relaxing, and valuable. With more jobs being remote, homeowners are itching to expand living space in their home. Sunrooms can be a private escape, home office, movie room, or just about any type of space you need it to be. Most homeowners that add a sunroom recoup about 50% of their investment. In some cases, homeowners may recoup up to 80% of their investment. Sunrooms are a highly sought after feature that can help your home sell faster and for more money.

Do sunrooms add value to your home?

Sunrooms can increase the square footage of your home, thus increasing the value. The materials, features, and size of the sunroom can impact how much value it adds to your home. If we compare a sunroom to a bedroom in terms of value, a sunroom could add $30,000 – $50,000 to the potential resale value of your home. Some homeowners use or stage a sunroom as a guest bedroom that can double as a relaxing living space. Sunrooms can offer potential buyers a sense of comfort while adding value. When you stand in a sunroom on a sunny day you can absorb the natural warmth while taking in the beauty of the outdoors. Sunrooms provide homeowners a safe place to enjoy some sunshine without the harmful UV rays and bugs. It’s likely after buyers leave your home, they will still be thinking about the blissful sunroom. Sunrooms can make your home more desirable than other homes on the market.

Do sunrooms add value to your home?

In most cases, a sunroom can add value to your home. Sunrooms are versatile spaces that add livable square footage to your home. Increased square footage is just one way sunrooms can increase your home value. Sunrooms can offer potential buyers a sense of comfort and value. Sunrooms can catch the attention of buyers while offering them desirable features, making your home stand out compared to other homes on the market.

How much does it cost to convert a screened porch to a sunroom?

Converting a screened porch to a sunroom can cost between $300-$400 per linear foot. Compared to a screened porch, a sunroom is a four season livable space. An enclosed sunroom can add more value to your home compared to a screened porch making it a worthy investment.

Do you need planning permission to build a sunroom?

In most areas you will need a permit to add a sunroom or any attached structure to your home. Gaining approval is a rather simple process but it can be time consuming. The process usually begins by submitting an application along with plot and sunroom plans.

How much does it cost to add and finance a new sunroom extension?

On average, adding a new sunroom costs about $30,000. Homeowners reported spending around $6,000 on the low end and $80,000 on the high end. Materials and installation should absorb most of the budget. If you don’t need a custom addition you may be able to use prefabricated kits. Prefabricated kits can help you save some money but not a ton. Investing in a custom addition sunroom may be a better investment.

What is a good size for a sunroom?

When choosing the size of your sunroom you should consider how much space you have. Since this is an addition to an existing home most likely, you will want to make sure it fits in and flows with the rest of the floorplan. An 18×18-foot sunroom or 18×20-foot sunroom should be spacious enough for a big comfy couch, recliner, coffee table, and other decorative pieces. A 42” television is an appropriate size for a 18×18-foot sunroom. If you want to incorporate a larger television than this you should consider an 18×20-foot sunroom or larger. Sunrooms can range in size from a cozy nook to a large entertaining space.

How much does a 12×12 sunroom cost?

There are two main types of sunrooms – four seasons and uninsulated. A four seasons sunroom still provides floor-to-ceiling views but can be heated and cooled year round. An uninsulated sunroom cannot be heated or cooled. While these two types of sunrooms may look the same, there is a cost difference. Uninsulated sunrooms usually cost about $25 per square foot and four seasons sunrooms can cost up to $300 per square foot. While the cost per square foot is important you should also consider building preparation. If you need to clear existing land and create a foundation this can increase costs. If a custom sunroom is out of your budget you may want to consider a 12×12 prefab sunroom kit. Prefab sunroom kits can be more affordable and usually come with a warranty from the manufacturer.

Does a sunroom increase property tax?

Adding a sunroom will most likely increase your property tax. In most areas, an increased home value or square footage translates to an increase in taxes. A small increase in taxes should not detour homeowners from adding a sunroom or investing in their home. An increase in home value means a higher resale value. Even if you do not plan to sell your home right away, you should recoup most of your investment down the road when you do sell. Once you receive a permit for your sunroom the tax assessor should be notified. Once notified, they should determine the increase in value and adjust your tax bill.

How long does it take to build a sunroom?

If you are building a sunroom you can expect your home to be under construction for about 30 days. Keep in mind, this is a rough estimate and every project will have its own set of obstacles that can hold things up. Our 30 day estimate figures that the foundation is already completed. If you have to remove an exterior wall, you may want to add several days to your project. Prefabricated sunrooms may require less time to complete. In most cases, a prefabricated sunroom can be built within 2-3 weeks. This estimate includes everything from setting the foundation to installing the windows and doors.

Can a sunroom be built on a deck?

Yes, a sunroom can be built on a deck. In areas with unpredictable weather this can be a very popular option. There are a few things homeowners should consider before building a sunroom on a deck. First, you’ll need to make sure that your deck can support a sunroom before building. If your deck cannot support the weight of a sunroom, you may be able to make modifications such as reinforcing the frame and adding additional beams. If modifications cannot be made you may need to tear down and rebuild your deck so that it can accommodate a sunroom. Homeowners should also consider building codes. If you do not want to do the research on your own, you can consult an experienced contractor for information on building codes in your area. Building codes may prevent homeowners from building a sunroom on the deck.

How much does it cost to turn a deck into a sunroom?

Transforming a deck into a sunroom can vary in price. Projects can cost as little as $12,000 or as much as $100,000 and up. From the foundation to the materials and accessories there are many choices that can impact the cost of building a sunroom. In addition, if you need to make modifications or rebuild a deck, you should add these costs to your estimate.

Are sunrooms considered living space?

Whether or not a sunroom is considered a legitimate living space depends on a few factors. The first factor being that a sunroom should have a heating and cooling system that is the same as the rest of the house. The second factor is how well the sunroom is integrated with the home. To determine whether or not your sunroom can be included in the square footage of your home you should consult a professional home appraiser.

Do you need a foundation for a sunroom?

If you are building a four season sunroom you will most likely need a foundation. However, not all sunrooms require a foundation. If you are building a prefab sunroom kit you may be able to assemble them onto an existing deck or patio slab.

Is financing a sunroom cheaper than an addition?

Sunrooms are typically cheaper, faster and easier than a traditional home addition. Fewer contractors are required in most cases when dealing with sunroom installation. In most cases, a sunroom will cost about 50% less than a home addition.

Do I need good credit to get a sunroom loan?

Acorn Finance is a top-rated platform that offers loans and financing for sunrooms for all credit types. Whether you have good credit or bad credit you can apply online and receive multiple personalized and competitive offers for sunroom financing within seconds. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Acorn Finance specializes in personal loans. Personal loans can be less risky than comparable options because usually they do not require collateral.

Benefits of financing your new sunroom or patio

Sunrooms offer many benefits for you and your home. One benefit that is often overlooked is the potential to better your personal health and well being. Studies show that sunlight can improve health. A sunroom is a great space to get added sunlight without the harsh repercussions of direct sun. Financing your sunroom can offer an affordable solution that allows you to make payments over time. Let’s take a look at the top 3 benefits of financing a new sunroom or patio.

#1 – Increase square footage and home value

Adding a sunroom can increase your homes square footage making it worth more. Even though sunrooms can be costly, chances are you will recoup your money when it comes time to sell your home.

#2 – Create value

Sunrooms can create value for potential buyers giving your home a unique element that most homes are missing. Sunrooms are a bright and welcoming space that will make your guests want to stay.

#3 – Make your home more comfortable

Increasing the square footage of your home can make it a more comfortable space. Sunrooms can provide a relaxing area to sit and read a book or entertain guests in.


#1 – Installation Is Not Fool Proof

In most cases, it’s best to use an experienced contractor for installing vinyl siding. Proper installation plays a major role in the effectiveness of your vinyl siding. Improper installation can lead to troubles in the long term.

#2 – Affected By Climate

Harsh climates can cause vinyl siding to show its age after only 10 to 15 years. If you try to repair the aging signs by painting it’s likely the paint will peel and crack after a short time.

#3 – Potential To Lower Value Of Historic Homes

While it may make financial sense to revamp the exterior of your home with vinyl siding, it can decrease home value in some cases. If your home is historically significant, you should stay away from vinyl siding.

How to apply for sunroom financing

Applying for sunroom financing is easy and safe at Acorn Finance. Simply submit one application online that will not affect your credit. Within minutes you can receive multiple competitive sunroom financing offers that you can take advantage of.

Three steps to get started with Acorn Finance:

  1. Complete and submit a short loan application online
  2. Receive multiple pre-qualified offers
  3. Get connected with lenders to obtain your pre-qualified loan

In conclusion, you should have no hesitation when it comes to adding a sunroom or extension. It’s a justifiable investment that should increase the value of your home while making it a more comfortable living space. Even if you have enough cash to pay for your new sunroom you should still consider financing options. After all, your cash may be needed for a rainy day. Acorn Finance is a leading provider for sunroom financing. Discover competitive rates and easy application information only at Acorn Finance.

Daydreaming about adding a sunroom? Make it a reality… apply online today for sunroom financing.

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