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All House Upgrades Guide: How to Pay Off Your Loan

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Animal Crossing: New Horizons (ACNH) - Pay Off Loan And House Upgrades Guide
Pay off your loan to upgrade your tent and house in Animal Crossing: New Horizons (ACNH)! Find out how much each house upgrade costs and all house upgrade features with our handy dandy guide below!

List of Contents

How to Pay Off Your Loan and Upgrade Your House

ACNH - Tom Nook is all ears for any of the resident

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

ACNH - Tom Nook informs the resident that they owe him a modest sum of 49,800 Bells
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

ACNH - Resident owes more than 2 million bells
You can send loan payments using the Automatic Bell Dispenser (ABD), 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/house upgrade.

Nook Stop Explained

List of House Upgrades and Loan Costs

How Much Does It Cost to Fully Upgrade Your House?

Total Cost of Loans 5,696,000 Bells

There is a total of 7 house upgrades, including upgrading your house from a tent, which totals to 5,696,000 Bells.

No. Cost Result of Upgrade
0 5,000 Miles Initial moving cost
Room Size: 4x4
Storage Size: -
1 98,000 Bells Upgrade from a tent to a house
Unlock Storage feature
Room Size: 6x6
Storage Size: 80
2 198,000 Bells Increased house size
Room Size: 8x8
Storage Size: 120
3 348,000 Bells Additional room in the back
Get a Present from other villagers
Room Size: 6x6
Storage Size: 240
4 548,000 Bells Additional room on the left side
Improved outside appearance
Roof and mailbox customization unlocked
Room Size: 6x6
Storage Size: 320
5 758,000 Bells Additional room on the right side
Door customization unlocked
Room Size: 6x6
Storage Size: 400
6 1,248,000 Bells Addition of second floor
Increased Home size
Siding customization unlocked
Room Size: 10x6
Storage Size: 800
7 2,498,000 Bells Addition of basement
1 free house customization a day unlocked
Room Size: 10x6
Storage Size: 1600

Related Guides

Beginner

All Tips & Tricks

House and Storage

House and Storage
house upgrade partial.pngHow to Pay Off Your Loan and Upgrade Your Tent and House ACNH - How to Store Furniture and Other Items partialHow to Store Furniture and Other Items
ACNH - Designing Your House partialHow to Use Storage and Decorating Mode HHA rank partial.pngHow to Raise Your Happy Home Academy (HHA) Rank
ACNH - Feng Shui Color and Effects GuideFeng Shui Color and Effect Guide ACNH - How to Get Rid of Cockroaches partialHow to Get Rid of Cockroaches
ACNH - How to Get Moving Wallpaper partialHow to Get Moving Wallpaper ACNH - How to Get Moving Flooring partialHow to Get Moving Flooring
ACNH - List of House Customization Options partialList of House Customization Options ACNH - All House Upgrades.pngAll House Upgrades | How to Pay Off Your Loan

Comment

24 Christinaover 1 year

I'm not sure if I'm allowed to ask questions on this or not, but do you pay the loan all at once or "500 Bells per day"? The reason why I ask was that I recently have a Left Room that I'm using as a kitchen.

11 Anonymousover 3 years

Just plant a huge pumpkin patch. Your house will be payed off in no time. That's what I'm doing

See more comments (24 Comments)

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