Loans as they should be
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Borrow up to $45,000 for a range of loan purposes
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Simple online application
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Loan terms from 12 to 60 months
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No early repayment fees
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Fast finance – funds typically disbursed within 24 hours of approval
Learn more about our furniture loans
What is a Furniture Loan?
Whether you’re furnishing a new home, replacing essential household items or upgrading your existing furniture, a Rapid personal loan may help you spread the cost over time
At Rapid Loans, when you apply for a Furniture Loan, you are applying for one of our personal loan products, which can be used to finance furniture, white goods and other eligible household purchases.
Furnishing a home or replacing essential household items can be a significant expense, particularly if you’re purchasing multiple items at once. Whether you’re moving into a new home or replacing larger household items, a Rapid personal loan may be used to finance eligible purchases such as:
- Furniture packages for a new or existing home.
- Household furniture, including beds, lounges, dining settings and bedroom suites.
- White goods, including refrigerators, washing machines and other major appliances.
- Moving and relocation expenses associated with setting up your home.
What do I need to know before applying for a furniture loan?
A furniture loan can provide the funds you need to purchase anything from a chic new sofa to a dreamy bed frame, but, before you jump into the exciting world of furniture finance, there are a few things to keep in mind:
- Your Budget: Know how much you need to borrow and how much you can afford to repay each month.
- Loan Terms: Understand the interest rates, repayment period and any additional fees.
- Credit Score: Your credit history and financial circumstances will influence the terms of your loan.
- Loan Options: Compare loan options to determine which option is most appropriate for your circumstances.
How Can I Get a Furniture Loan?
Whether you’re moving out of home for the first time or eyeing off something special, applying for a furniture loan with Rapid Loans is straightforward through our online application process.
Simply, start by filling out our simple and straightforward online application form. Our team will review your application and get back to you with a decision. All applications are subject to our credit eligibility criteria and approval. If your application is approved and all requirements have been met, we’ll arrange for the funds to be transferred. Many approved applicants receive their funds the same or next business day.
Can I Get a Furniture Loan with Below Average Credit?
At Rapid Loans, we understand that life happens. While a higher credit score can help you secure better terms, we assess applications from a range of credit backgrounds.
A previous decline doesn’t automatically prevent you from applying with Rapid. Every application is assessed individually against our lending criteria and responsible lending obligations.
Finance Furniture and Household Purchases with Rapid Loans
Whether you’re furnishing a new home, replacing essential household items or purchasing multiple pieces of furniture, a Rapid personal loan may help you spread the cost over time.
For more than 20 years, Rapid has helped over 50,000 customers access finance through our straightforward online application process. If you’re considering a furniture loan, apply online today and our team will assess your application against our lending criteria and responsible lending obligations.
How It Works
1. Apply Online
Get started with our simple online application and be on your way in just a few clicks! Our secure online platform keeps your information safe.
2. We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon! We’re here to help.
3. Receive Funds
We take our commitment to being fast seriously! If you applied in the morning and were approved, your funds could be available the very same day.
Why go with Rapid for your loan?
Designed for Simplicity
Our auto and personal loan products are designed to make borrowing simple, with flexible options for loan amount, loan term and repayment frequency.
Fast Online Application
Our online application takes just minutes, and our secure online portal makes it easy to upload your supporting documents quickly and conveniently.
Real People, Ready to Help
Our dedicated Customer Service team is here to help. From application through to settlement, we’re committed to making every interaction easy to understand and supportive.
50,000 Customers and Counting
We’ve helped more than 50,000 customers access finance. Our experienced team understands that life isn’t always straightforward and is here to support you throughout the process.
Explore Our Other Loan Types
Dental Loans
For when you want to smile big.
Medical Loans
For when its time to prioritise your health
Personal Loans
For when you want to start living
Rental Bond Loans
For the times you want to move fast
Furniture loan questions
Am I eligible for a furniture loan?
If you’re looking to finance eligible furniture or household purchases, you may be able to apply for a Rapid personal loan. To apply, you’ll generally need to:
- Be at least 18 years old.
- Be an Australian citizen or permanent resident.
- Have a regular source of income.
- Provide details about your financial circumstances and the registered vehicle you’ll be using as security.
We know that no two financial situations are the same. That’s why we look at the bigger picture when assessing your application, rather than relying on a single factor. Every application is assessed individually against our lending criteria and responsible lending obligations.
If you’d like to know more about what’s involved, you can explore our application process before you apply so you’ll know what information and documents to have ready.
What are the furniture loan interest rates and terms?
The interest rate and loan terms available to you will depend on your individual circumstances and the outcome of our lending assessment. Factors such as your financial circumstances, the amount you wish to borrow and your approved loan term may all be taken into account.
Rapid personal loans offer fixed interest rates, so your repayments remain the same throughout the loan term, making it easier to budget. We also offer a range of loan terms and repayment frequencies, allowing you to choose an option that aligns with your approved loan agreement.
How much money can I borrow?
The amount you may be able to borrow will depend on your individual circumstances and the outcome of our lending assessment.
Rapid personal loans are available from $2,001 to $45,000 and may be used to finance eligible furniture and household purchases, whether you’re replacing essential items or furnishing a new home. The loan amount available to approved applicants will be based on our lending criteria and responsible lending obligations.
What interest rate will I receive?
The interest rate available to you will depend on your individual circumstances and the outcome of our lending assessment. Factors such as your financial circumstances, the amount you borrow and your approved loan term may all be taken into account.
Rapid personal loans have fixed interest rates, so your repayments remain the same throughout the life of your loan. You can also make additional repayments or pay out your loan early without incurring early repayment fees. Paying off your loan sooner may reduce the total amount of interest you pay over the life of the loan.
If you’re considering a furniture loan, apply online today and our team will assess your application against our lending criteria and responsible lending obligations.
Hear from our happy customers
Learn how our loan system makes borrowing easy, quick, and hassle-free.