Below is a summary of financing options for microhomes, as of May 2015.
| Provider | Rates | Max terms | Limits | Min Credit Score | Notes |
| Microhomes On Wheels | |||||
| Bank- Traditional RV Loan | varies | varies | varies | varies | Only for completed micro units with RVIA certification, and listed with NADA |
| Bank- Home Equity Line of Credit | 4-10% | varies | varies | varies | Relatively low interest loans are available if you own a house that you have equity in. A potentially good option for short term financing for those downsizing from a larger house to a microhome. |
| Local Credit Unions | varies | varies | varies | varies | Only for completed micro units with RVIA certification, and listed with NADA |
| Qualstar | 5.7-7.9% | 15 years | Up to $125K | unknown | Credit Union, but membership is open nationally; Requires purchase order and vehicle title for financing; Click ‘recreational loans–>RV’ |
| Lightstream | 3.8-6.5% | 7 years | Up to $100K | 700 | Division of Sun Trust Bank; Select ‘Boat/RV’ finance; RVIA certified trailer is not required. |
| Avant | 10%-36% | 5 years | Up to $35K | 550 | Very high rates for lower credit borrowers; All states except ND, IA, ME, and WV. |
| PersonalLoans.com | 5%-36% | 6 years | Up to $35K | 550 | Peer-to-peer lender |
| Lending Club | 6%-33% | 5 years | Up to $35K | 620 | Peer-to-peer lender |
| Prosper | 6.6%-36% | 5 years | Up to $35K | 550 | Peer-to-peer lender |
| Kickstarter / IndieGogo / GoFundMe / Rockethub | 3-7.9% | n/a | $100K+ | n/a | Crowdfunding websites, fees apply to $ value raised and credit card processing; Repayment not required, however no guarantees on fundraising among friends/family |
| Credit cards | 0%-25%+ | none | varies | varies | For short term, can do balance transfer from one credit card to another that give you short term zero or low interest rates. |
| Tiny House Lending | n/a | n/a | n/a | n/a | This source simply passes through visitors to: Lending Club, Personal Loans.com, and Lightstream |
| Microhomes on Foundations | |||||
| Bank- Traditional Home Loan | 4% | 30 years | varies | varies | On site with -existing- home you may consider buying lot+house, then build microhouse on lot, move in and rent out larger house. Research local zoning laws on accessory dwelling units. |
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