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
Nationwide lending partners. No minimum credit score. 5% down. Terms to 25 years. Get pre-qualified in 5 minutes — no impact to your score.
Tiny home financing refers to loan programs structured for park model RVs, manufactured homes, and custom tiny homes — property types that don’t qualify for conventional 30-year mortgages. Tiny Homes USA connects buyers with four program types: personal loans (3–7 years, no land required), RV/RVIA financing (up to 20 years, lowest APR), chattel mortgages (up to 25 years, home as collateral), and dealer financing. Down payments start at 5%; there is no minimum credit-score requirement. Pre-qualification takes five minutes and uses a soft credit pull only.
Typical APR ranges and term limits by tiny-home financing program. Actual rate depends on credit score, down payment, and home type. Pre-qualify in 5 minutes to see your exact offer.
| Program | APR (typical) | Term | Min down | Best for |
|---|---|---|---|---|
| Personal loan | 9.99% – 14% APR | 3 – 7 years | $0 | No land, fast approval, smaller loan amounts |
| RV / RVIA loan | 6.5% – 9.5% APR | 10 – 20 years | 10% – 20% | Park model RVs with ANSI A119.5 certification |
| Chattel mortgage | 7.5% – 11.5% APR | 15 – 25 years | 5% – 10% | HUD-certified manufactured homes (home as collateral) |
| Dealer financing | 8.5% – 12.5% APR | 5 – 20 years | 5% | Buyers with weak/no credit; in-house THUSA program |
Rate ranges as of 2026. Actual rate depends on credit score, down payment, home value, and lender. No-credit-minimum programs available through our dealer financing track. Pre-qualification uses a soft credit pull (no impact to your score).
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.
Estimate only. Real rate and monthly payment locked at full application.
Estimates based on standard loan programs. Actual rates vary by credit and lender.
10-year term at 8.9% APR
Personal loan -- no land required
15-year term at 7.5% APR
RV loan -- RVIA-certified home
20-year term at 6.9% APR
Chattel mortgage -- excellent credit
Fill out our simple 5-minute pre-qualification form with basic income and credit info.
We match you with the best lender from our nationwide network within 24 hours.
Browse our inventory and select the tiny home that fits your budget and lifestyle.
Complete final paperwork, arrange delivery, and start living your tiny home dream.
Complete all sections below. A specialist will contact you within 1 business day to discuss your options.
Pick the financing topic that fits your situation. Each guide answers one specific question in full detail.
RV loans, chattel, personal loans, manufactured-home mortgages, in-house programs, HELOC. Compare rates, terms, approval odds, and which fits your unit.
Why traditional mortgages rarely fit tiny homes, when they do, and what to ask before applying. The single most asked financing question, answered honestly.
Real upfront math: 0%, 5%, 10%, 20% options. Which gets you the lowest rate, which keeps the most cash in your pocket, and zero-down qualifying criteria.
No minimum credit score. Soft pull at pre-qual (won’t affect your score). Which lenders look past credit at income and DTI, and how to position yourself.
Texas-specific financing pathways, free-delivery zone implications for loan amount, and the lender shortlist that actually approves manufactured + park-model purchases in TX.
California buyers qualify for the same 5.57% APR program. ADU placements may also qualify for state CalHFA and local city programs. Soft credit pull only.
Read the California financing guide →