How to Pay Off Your Loan and Upgrade Your Tent and House | ACNH - Animal Crossing: New Horizons (Switch)


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Upgrading Tent.png
This is a guide to paying off your loan and upgrading your Tent and House in the game Animal Crossing: New Horizons (ACNH) for the Nintendo Switch. Learn the cost of each house loan and the results of each upgrade.

How to Pay Off Your Loan and Upgrade your House


Instructions for Upgrade
1. Ask Tom Nook about your moving fees
2. Ask Tom Nook to upgrade your house. The house will be completed on the following day.
3. Pay back the loan using the ABD (Automatic Bell Dispenser) at Nook Stop

How to Upgrade Your Tent to a House

Upgrading Tent.png
The initial loan for moving to the island requires the player to pay back the loan in Miles to Tom Nook directly. For this loan, you won't need to use the ABD. To learn about how to acquire Miles to pay back the initial 5,000 Miles, check out our guide below.

How to Get Nook Miles Fast

Pay Off Loans through the ABD

ABD - The ATM of New Horizons
You can send your loan payments using the ABD, or the Automatic Bell Dispenser, found in the Nook Stop inside Resident Services. Once you have fully paid your loan, you can talk to Tom Nook for a house expansion.

List of House Upgrades and Loan Costs

Total Cost of Loans 5,696,000 Bells
Upgrade No. Cost Result of Upgrade
5,000 Miles
Initial moving cost
Room Size: 4x4
Storage Size: -
98,000 Bells
Upgrade from a tent to a house
Unlock Storage feature
Room Size: 6x6
Storage Size: 80
198,000 Bells
Increased house size
Room Size: 8x8
Storage Size: 120
348,000 Bells
Additional room in the back
Get a Present from other villagers
Room Size: 6x6
Storage Size: 240
548,000 Bells
Additional room on the left side
Improved outside appearance
Roof and mailbox customization unlocked
Room Size: 6x6
Storage Size: 320
758,000 Bells
Additional room on the right side
Door customization unlocked
Room Size: 6x6
Storage Size: 400
1,248,000 Bells
Addition of second floor
Increased Home size
Siding customization unlocked
Room Size: 10x6
Storage Size: 800
2,498,000 Bells
Addition of basement
1 free house customization a day unlocked
Room Size: 10x6
Storage Size: 1600

Related Links


All Tips & Tricks

Beginner Guides
Beginner's Guide to Animal Crossing New Horizons Unchangeable Features
Choosing a Hemisphere Best Island Layouts
What Should You Choose to Bring to the Island? Picking an Island Name
Best Tent Location How to Cross the River and Water
How to Get Furniture and Materials for House Kits How to Climb Cliffs
Gameplay Basics
What Happens When You Eat Fruit? How to Get Rid of a Bee Sting
What Happens When You Faint? When Does a New Day Start?
How to Use the Camera How to Use the Rescue Service
How to Add Best Friends Wind and Weather
Tips and Tricks
Things to Do Every Day All Island Shops and Facilities Upgrades
New Horizons 100% Checklist Time Traveling Guide
How to Increase Inventory Space How to Get Presents from Balloons
Max Villagers and How to Get New Villagers to Move In How to Kick Out Villagers
How to Get Specific Villagers You Want How to Raise Your Island's Star Rating
Infinite Tarantula Island Art Guide | List of Artworks and Fakes
List of All K.K. Slider Songs -
Money, Miles and Shopping
Nook Mileage Program Activities & Rewards List Nook Miles+ Challenges and Rewards
Nook Stop Explained Spending Nook Miles
How to Get Nook Miles Fast How to Make Money Bags (Bell Bags)
How to Get Bells (Money) Fast Money Rock and How to Hit the Rock 8 Times
How to Grow Money Trees from Glowing Spots How to Get Bank Interest
Should You Use the Drop-Off Box? How to Get the Royal Crown
House and Storage
How to Pay Off Your Loan and Upgrade Your Tent and House How to Move Your House
How to Store Furniture and Other Items Designing Your House - How to Use Storage and Decorating Mode
How to Raise Your Happy Home Academy (HHA) Rank Feng Shui Color and Effect Guide
How to Get Rid of Cockroaches | Catching Cockroaches How to Get Moving Wallpaper
How to Get Moving Flooring List of Roof Colors
Reimagine Your Character
How To Make A Passport | Passport Title List Changing Hair and Face
How to Get / Fix Bedhead -
Reshape Your Island
How Close Can You Plant Trees? How to Chop Wood and Pull Up Trees
How to Get Palm Trees on Your Island How to Build a Bridge
How to Build Slopes, Stairs and Inclines How to Break Rocks
How to Change the Island Tune How to Use Island Designer
List of NookPhone Apps Mystery Island Tour and Nook Miles Ticket Guide
How to Unlock Reactions How to Send Letters and Postcards
Wish on a Shooting Star to Get Star Fragments Lost Item Guide
Party Play | Playing on One Switch Online Play
What Can You Do Online? -
System Info
System Requirements List of Controls
Maintenance | How to Fix an Error How to Delete Save Data
How to Add or Delete Players Can You Transfer Data From Pocket Camp?
amiibo Compatibility NookLink Features
The Language Setting How to Pre-Load


4 Anonymousabout 1 month

>>2 Number 4 is left side Number 5 is right side

3 Anonymous2 months

Just wait for me Tom Nook. I'm going to upgrade my house!

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