Funding When You Need It Most
Unsecured Personal Loans - Fast, Flexible, and Built for You
Need cash for renovations, repairs, upgrades, debt consolidation, or unexpected expenses? Ribbon has partnered with Acorn Finance to help you compare personal loan offers from 20+ national lenders in minutes, all with no impact to your credit score. Find competitive loan options quickly and choose the solution that works best for you.
FEATURED IN
Get the Cash You Need Without the Wait
Whether you’re replacing a roof, renovating your kitchen, covering emergency repairs, or funding another major expense, waiting months for financing isn’t always an option.
Instead of relying on a single bank or credit union, Ribbon gives you access to Acorn Finance’s lending marketplace, allowing you to compare offers from 20+ trusted national lenders through one simple application.
Simple Process. Fast Results.
Getting the right financing shouldn’t be stressful. With Ribbon, the process is quick, secure, and 100% online.
Pre-Qualify in Minutes
Fill out a short form to see your loan options. It’s a soft credit check, so your score won’t be affected.
Compare Offers
Choose from competitive terms and payment plans that fit your budget.
Apply Online
Complete your application directly with your chosen lender in just a few clicks.
Get Funds Fast
Once approved, many borrowers receive money in as little as 1–2 business days*.
*If approved, funding times may vary. We work with some lenders that do not have a requirement for a credit check and use income and/or employment to make decisions on eligibility for their financial products. Underwriting criteria is established by our partners, not Acorn Finance. Most of our lenders will do a soft pull, which does not impact your credit score
why choose us
What Makes Us Different?
We know you have choices. Here’s what borrowers can expect from our Marketplace:
- Loans up to $100,000
- Competitive rates and flexible repayment terms
- Unsecured loan not tied to your property
- Fast funding, sometimes in just 1–2 days*
- 100% online application, no branch visits, no hassle
With our marketplace, you get the cash you need quickly, and the confidence of knowing exactly what you’re signing up for
Personal Loan Options — Compared
Not all financing works the same. Some options look good at first but cost more or take forever to process. Here’s how our marketplace stacks up.
If you want the lowest possible rate and can wait months, a credit union might work. If you need money this week to get your project moving, Ribbon’s personal loan marketplace is built for you.
| Feature | Credit Cards | Banks & Credit Unions | Ribbon Home |
|---|---|---|---|
| Funding Speed | Instant, but high interest | 60–90 days | 1–2 business days* |
| Rates | 18–25% APR typical | Lower, but slow | Competitive APRs |
| Loan Terms | Revolving credit | Varies by lender | 2–20 year terms |
| Loan Amounts | Limited | Varies, often capped | Up to $100,000 |
TRUSTED Marketplace
Turn Your House Into the Home You’ve Always Wanted
Your personal loan can cover almost any project. Big or small, it’s about making your space work better for you.
- Kitchen remodels – Upgrade appliances, add storage, and boost resale value.
- Bathroom upgrades – Improve comfort and style with modern finishes.
- Roof, windows, siding – Protect your home and cut energy bills.
- Decks, patios, landscaping – Create outdoor spaces you’ll actually enjoy.
- Major purchases – HVAC, appliances, or even that hot tub you’ve been eyeing.
With flexible loan options, you decide how to use the funds.
Hear From People Like You
UPFRONT PRICING
Know Your Costs Upfront
No hidden fees. No surprises. Just clear terms you can trust.
- Loan amounts up to $100,000
- Repayment terms up to 12 years
- Rates starting at 6.99% APR
You’ll see your options before you commit, so you can choose what works best for your budget.
Is a Personal Loan Right for You?
Search our market place for lenders who offer:
Start Today
Want to start your project now, not months from now
Manageable Payments
Prefer fixed monthly payments over draining your savings
Flexible Funding
Need funds for repairs, upgrades, or major purchases
Competitive Rates
Have solid credit and want access to competitive offers
Fast & Easy
Value speed, simplicity, and a 100% online process
If that sounds like you, Ribbon can help you move forward with confidence.
Questions About Our Personal Loans
How do I get a personal loan?
Start by checking your options online with Ribbon. You’ll see pre-qualified offers in minutes with no impact on your credit score
How can I finance home improvements?
You can use savings, credit cards, or bank loans — but many homeowners prefer Ribbon’s loans for the speed, flexible terms, and competitive rates.
What credit score do I need?
Lenders in our marketplace provide personal loans to people with all types of credit scores.
How much can I borrow?
Loan amounts go up to $100,000 depending on your credit and income.
How fast can I get the money?
Many borrowers receive funds in just 1–2 business days* after approval.
Why choose Ribbon over a credit union or bank?
Banks and credit unions may offer slightly lower rates, but they often take months to fund. Ribbon moves fast and makes the process 100% online.
Are personal loans better than home equity options?
It depends on your goals. Personal loans are unsecured, fund quickly, and don’t use your home as collateral. Equity-based products can offer different structures and longer timelines. You can compare personal loans alongside our home equity loan options to decide what works best for your situation.
Why does Ribbon partner with Acorn Finance for personal loans?
Ribbon has partnered with Acorn Finance to give you access to a marketplace of 20+ trusted national lenders through one simple application. Instead of applying with multiple lenders individually, you can compare available loan offers in minutes and choose the option that best fits your needs, all without impacting your credit score when checking your options.
Am I applying through Ribbon or Acorn Finance?
Ribbon connects you with Acorn Finance’s personal loan marketplace, where you can compare offers from multiple lenders in one place. Once you choose the loan that best fits your needs, you’ll complete the application directly with your selected lending partner.
Will checking my loan options affect my credit score?
No. Checking your loan options through the Acorn Finance marketplace uses a soft credit inquiry, so you can compare offers without impacting your credit score. If you decide to proceed with a lender, additional verification may be required as part of the final application process.
Ready to Start Your Project?
Your dream kitchen, bathroom, or backyard upgrade doesn’t need to wait. With Ribbon, you can check your loan options today, compare offers, and get funds fast all without hurting your credit score.
No long waits. No hidden fees.
Just simple, flexible financing when you need it most.
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