Home improvement financing
Pay over time.Get the project done now.
Send a few photos of the room — you get a ballpark estimate and a monthly payment in about 2 hours. Then check your financing options with a real number: 60 seconds, no impact to your credit score. Loans from $1,000 to $100,000for bathrooms, kitchens, decks and whole-home remodels in King & Pierce County.
Financing partner✓ Soft credit check✓ 20+ lenders✓ No fees from Work Time ServiceStep 1 · Know your number
Send a few photos. Get a ballpark and a monthly payment in about 2 hours.
Applying for financing before you know the price makes no sense — so we go first. Photos of the room and a couple of lines about what you want are enough for a ballpark; the exact written quote still comes with the on-site measure.
- 12–3 photos and your contact — about a minute.
- 2Within about 2 hours (business hours) you get a ballpark estimate and an estimated monthly payment* by text and email.
- 3Like the number? Check your financing options with Acorn Finance — 60 seconds, no impact to your credit score.
*Estimate only: $15,000 financed at 9.99% APR for 120 months ≈ $198/mo. Your actual rate and term are set by the lender based on your credit; checking your options does not affect your credit score. Loans $1,000–$100,000. Financing is offered through Acorn Finance's lender network, not by Work Time Service.
Loans $1,000 to $100,000
Terms from 2 to 20 years
20+ lenders compete
for your project — you pick the offer
Funds in as little as 24 hours
after approval, straight to your account
No fees from us
you pay Work Time Service from the loan
Monthly estimate
What would your project cost per month?
Slide to your project size for a ballpark payment. The real offers — with your rate and term — take about a minute to see, and looking does not affect your credit.
Not sure about the number yet? Send a few photos — you get a ballpark and a payment in about 2 hours; the exact written quote comes with the on-site measure.
Project amount
$15,000
Estimated payment
from ~$198/mo*
About 60 seconds · no impact to your credit score
Or open Acorn Finance's own payment calculator →*Estimate only: $15,000 financed at 9.99% APR for 120 months ≈ $198/mo. Your actual rate and term are set by the lender based on your credit; checking your options does not affect your credit score. Loans $1,000–$100,000. Financing is offered through Acorn Finance's lender network, not by Work Time Service.
How it works
Three steps between you and the finished project
Check your options
Tap the button and answer a few questions — about 60 seconds. It is a soft credit check, so your score is not affected.
Pick an offer
20+ lenders compete for your project. Compare rates and terms from 2 to 20 years and choose the one that fits your monthly budget.
Funds to your account
Once the lender approves, the money lands in your bank account — in as little as 24 hours. You pay Work Time Service from it and we start building.
Financing FAQ
?Can I find out the price before I apply?
Yes — that is how we prefer it. Send 2–3 photos of the room through the form on this page and within about 2 hours (business hours) you get a ballpark estimate with an estimated monthly payment by text and email. The exact written quote comes with the on-site measure; the ballpark is enough to see whether financing makes sense for you.
?Does checking my options affect my credit score?
No. Checking is a pre-qualification with a soft credit inquiry, which does not affect your score. A hard inquiry happens only if you accept an offer and complete the loan application with that lender.
?Who is the lender?
Not us, and not Acorn Finance itself. Acorn Finance runs a network of 20+ banks and lenders that compete for your project; the loan agreement is between you and the lender you choose. Work Time Service does not charge any fees for financing.
?How much can I finance, and for how long?
Loan amounts run from $1,000 to $100,000 with terms from 2 to 20 years, depending on the lender and your credit profile. You can finance the whole project or just part of it.
?How fast is the money available?
Checking your options takes about 60 seconds. Once you accept an offer and the lender approves it, funds are usually deposited to your bank account in as little as 24 hours — you then pay Work Time Service from your account like any other payment.
?Do I need financing before I get a quote?
No. Most clients request the on-site measure and written quote first, then check financing for the exact number. The link works the same way at any point — before, during or after your estimate.
Ready to see your options?
One minute, no impact to your credit score. Or start with the on-site measure and a written quote — financing works the same at any point.
Or just call
(253) 447-6889*Estimate only: $15,000 financed at 9.99% APR for 120 months ≈ $198/mo. Your actual rate and term are set by the lender based on your credit; checking your options does not affect your credit score. Loans $1,000–$100,000. Financing is offered through Acorn Finance's lender network, not by Work Time Service.