Updated September 28, 2026 · BorrowCue Editorial Team
Acorn Finance vs Easy Credit
What sets them apart
| Compare |  Acorn Finance |  Easy Credit |
|---|---|---|
| APR | 6.99%Lower | 47.85% |
| Loan amount | $1,000 to $100,000 | €150 to €9,000 |
| Term | 24 to 240 monthsHigher | 6 to 36 months |
| Credit check | Soft prequal | Hard |
| Funding time | as soon as within one business day | Up to 24 hours after approval |
| Representative example | $10,000 over 84 payments of $161 at 8.94% interest rate and $0 fees | Изи Кредит: 200 EUR, 24 weekly instalments of 9.14 EUR, 6 months, total repayable 219.36 EUR, nominal interest 39.00%, annual cost 47.85% |
| Lender type | Marketplace | Direct lender |
| Eligibility | US nationwide; minimum credit score around 560; funds for home improvement expenses; contractors must be licensed and in good standing | 18 or older, permanently resident citizen of Bulgaria, valid ID card |
| Loan types | Personal, Credit line, Secured, Debt consolidation | Personal, Guarantor, Secured |
| Arrangement fee | 0% on loans over $40,000; some lenders charge 1-6% on loans under $40,000 | Not confirmed |
| Origination fee (%) | 1% to 6% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Easy Credit scores higher overall: 8.9 vs 8.8.
- Founded is lower at Easy Credit: 2005 vs 2018.
- APR is lower at Acorn Finance: 6.99% vs 47.85%.
- Term is higher at Acorn Finance: 24 to 240 months vs 6 to 36 months.
- Support channels: only Acorn Finance offers Email.
- Support channels: only Easy Credit offers Chat.
- Loan types: only Acorn Finance offers Credit line, Debt consolidation.
- Loan types: only Easy Credit offers Guarantor.
Our verdict on each
Acorn Finance
Acorn Finance suits US borrowers funding a home improvement who want a fixed rate and cash released quickly. Its headline rate starts at 6.99%, the arrangement fee is waived on larger loans, and free early repayment means a project that finishes under budget costs less.
Easy Credit
Easy Credit is a Bulgarian direct lender offering personal, guarantor and secured loans of €150 to €9,000, and it suits borrowers who want a fixed rate, free early repayment and money Up to 24 hours after approval.
Score breakdown
| Area | Acorn Finance | Easy Credit |
|---|---|---|
| Cost | 9.1HigherOrigination fees run 1% to 6% and the arrangement fee is waived only once a loan is large enough. | 8.7At 47.85%, the annual rate sits far above the 12% site median on personal loans, so cost scores low. |
| Offer | 9.3Higher | 8.9 |
| Trust | 8.2 | 9.1Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Acorn Finance
557.05
557.05
Easy Credit
4,503.17
4,503.17
Acorn Finance comes out 3,946.12 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
Acorn Finance
- acornfinance.com: 21 facts, checked September 26, 2026
Easy Credit
- easycredit.bg: 16 facts, checked September 26, 2026
How they place
| Ranking | Acorn Finance | Easy Credit |
|---|---|---|
| Personal loans | 866 of 1920 | 799 of 1920 |
| Secured loans | 269 of 473 | 238 of 473 |
Every fact side by side
| Fact | Acorn Finance | Easy Credit |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Headway Sales Inc. DBA Acorn Finance | Izi Asset Management AD (Изи Асет Мениджмънт АД), EIK 131576434 |
| Headquarters | United States | Bulgaria |
| Founded | 2018 | 2005Lower |
| Support channels | Email, Phone, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Acorn Finance | Easy Credit | Median |
|---|---|---|---|
| APR | 6.99%below the median | 47.85%highest quarter | 8.99% |
| Term | 24 to 240 monthshighest quarter | 6 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 1% to 6%above the median | Not confirmed | 0.25 |
Median across 1152 listed lenders.
Pros and cons
Acorn Finance
Pros
- Headline rates from 6.99% sit well below the 12% median across the site
- Free early repayment, so a project that comes in under budget costs less
- Checks are soft prequalification (soft prequal), so a first quote does not carry a full hard search
Cons
- Origination fees of 1% to 6% can add to the headline rate on smaller loans
- Loans are tied to home improvement, so money is released towards a home improvement project rather than freely
- Credit of poor is expected, so a minimum score still applies and some applicants are declined
Easy Credit
Pros
- Fixed rate on every loan (fixed), so instalments hold steady across the term.
- Funding Up to 24 hours after approval, and free early repayment if you settle sooner.
- Regulated by the Bulgarian National Bank as a non-bank financial institution, licence BGR00009.
Cons
- Cost is the weak point: the annual rate is 47.85% against a site median of 12% on personal loans.
- The credit check is hard, so an application can leave a mark on the credit file.
- Loan sizes run €150 to €9,000 and terms 6 to 36, so it cannot cover a large, long borrowing.
Who each suits
Acorn Finance
Who it suits
- US borrowers planning a renovation who want predictable fixed payments
- Anyone who prefers a soft prequalification check before a full application
- Borrowers who expect to finish early and repay without penalty
Who should look elsewhere
- People needing money for something other than home improvement
- Anyone outside the US, since the licences it holds are all US state licences
- Borrowers who want a rate locked in before a hard credit check is run
Easy Credit
Who it suits
- Bulgarian residents with a valid ID card who need a loan of €150 to €9,000.
- Borrowers who want a fixed rate and can clear the debt early without charge.
- Anyone who needs the money Up to 24 hours after approval and can plan around the weekly instalments.
Who should look elsewhere
- Borrowers chasing a low rate: Monzo Flex lists 10% to 23%, well below the 47.85% here.
- Readers wanting a free comparison point: Cashspace ES shows 0% against this lender's 47.85%.
- Readers comparing across markets: Cashspace runs PHP 12 to PHP 36 in a different market and a different product type.
Country by country
| Country | Acorn Finance | Easy Credit |
|---|---|---|
| Bulgaria | No | Yes |
| United States | Yes | No |
Questions about each
Acorn Finance
What is the lowest rate Acorn Finance offers?+
The headline rate starts at 6.99%. What you are offered depends on your credit file and the partner lender, so the rate quoted after you apply may sit higher. The spread of rates across the site runs from 6.13% at the lower end to 24.92% at the upper end.
Are there fees on top of the interest rate?+
Origination fees of 1% to 6% can apply, and the arrangement fee is waived only once your loan is large enough, so a smaller loan may carry both. Repaying early costs nothing extra, because free early repayment is part of the deal.
Easy Credit
What rate do I pay on an Easy Credit loan?+
Easy Credit publishes an annual rate of 47.85%. Its representative example is a small personal loan repaid in weekly instalments, and the annual cost there is the same figure. What you pay weekly depends on the amount and the term, so treat the example as a guide.
How much can I borrow, and for how long?+
Loan amounts run €150 to €9,000 and terms run 6 to 36, which suits a small purchase or a bill rather than a large renovation. The top of the range sits above the site median of €876.96 and the bottom well below it, so the spread is wide.
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