Make your house a home with a furniture loan

A furniture loan is a type of unsecured personal loan which you can use to finance home furniture or any home appliances.

Furniture loans can be used in different ways such as furnishing a new dream home, replacing old or broken furniture or upgrading your home appliances.

At Fair Go Finance you can take out a loan for furniture up to $10,000 and use it in any way you like.

To apply for a personal loan for furniture, you’ll need to be at least 18 years of age and a permanent Australian resident. You must also be in regular paid employment.

If you’re worried you may have bad credit that will prevent you from obtaining a furniture loan, you’re welcome to talk to our friendly team. As one of Australia’s largest non-bank personal loan providers, we’re here to help you get a fair go and, if we can, help you get your bad credit history back on track.

Having a bad credit score can affect your ability to take out a personal loan, but don’t let that stop you talking to our team.

As one of Australia’s largest non-bank personal loan lenders, we’re in the business of helping people get a fair go. That includes helping customers with bad credit scores to get the cash they need to begin improving their credit score. For more information about how your credit rating impacts your ability to borrow money, check out this blog on going from bad to good credit.

You can request a free copy of your credit report from Equifax and find out if and why you have a bad credit history.

Alternatively, call us on 1300 324 746 and we’ll explain if your bad credit rating may prevent or limit the amount you may be eligible to borrow for your furniture loan.

Of course! With our personal loans you have the freedom to use your loan on whatever you need, whether that be replacing furniture or upgrading old appliances. Borrow from $500 to $10,000 to cover the costs of whatever furniture or appliances you need.

1. Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.

2. A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.

3. Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.

4. Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.

Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.

We offer appliance and furniture loans from $500 to $10,000, with flexible repayment terms ranging from three months to three years.

We always personalise our loan terms, so your loan amount, interest rate and repayment terms will be tailored according to your personal circumstances and financial situation.

Whatever the loan amount and terms, you’ll know upfront what your fixed interest repayments will be.

They’re set in stone, making it easy for you to manage your budget.

No hidden fees. No sleepless nights. It’s all part of our commitment as a responsible lender.

To apply for a personal loan online, you’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment.

Worried about your credit history? Don’t fret, we may still be able to help you, whether you have been bankrupt, had a Part IX debt agreement or simply have a less-than-ideal credit score. Find out more about our bad credit loans.

To be eligible for a small loan, applicants must:

• Be over the age of 18

• Receive a regular income from employment

• Be an Australian resident (or on an approved visa)

• Not currently be in hardship, Part 9 debt agreement or bankruptcy.

How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for. Loans for bad credit are available to cater to diverse financial situations and urgent needs.

While we can’t guarantee whether you’ll be approved for a loan until you complete an application, we do have an eligibility estimator that gives us a good idea. And better still, there’s no impact on your credit score to find out. Read our blog for more tips on improving your chances.

Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.

The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.

The usual waiting time to receive your loan application outcome is between 24-48 working hours.