Skip to navigation Skip to content
JointLoans

Fast and flexible furniture loans with Handy Finance

Buying furniture can quickly become an expensive endeavour. With a furniture loan, you can buy the key pieces that you need all at once and spread the cost of repayment over time. You don’t have to toss up between a kitchen table and some chairs – our furniture loans give you the flexibility to set your home up comfortably. Apply online for a Handy Finance Furniture Loan.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-7 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Furniture loan calculator

Estimate what your furniture loan repayments could look like so that you can start your borrowing journey with complete transparency.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Fund
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
AnimatedBlockPhoto (3)
Joint debt consolidation loan
Share the loan
Turn goals into reality
Go further together

Make yourself at home with furniture loans for new and used furniture

It’s easy to apply for a furniture loan with Handy Finance. Apply for a quote online to find out your buying power and start planning your next big furniture purchase.

Get started(Opens in a new tab)

A quote won’t impact your credit score

Handy Guide

Understanding furniture loan at Handy Finance

Handy Guide

Purchase furniture and white goods with a loan from Handy Finance

The right piece of furniture can turn a house into a home. You want to invest in comfortable, quality pieces that will stand the test of time and buy things that will help you create a home you’ll enjoy spending time in. Upgrading older pieces or fitting out a new space can quickly become expensive. You don’t want to have to choose between a base for your bed and something to eat your dinner on. A furniture loan is a fast and easy loan solution for you! 

You can use your furniture loan to purchase the pieces you need to make your home right away and spread the cost over the term of your loan. Having the financing for new furniture up front means you can also take advantage of time-sensitive deals and sales on bed bases, dining tables, fridges, washing machines, couches and more. 

Furniture loans can help you cover the cost of buying new or used furniture, including: 

  • Bed frames, mattresses, bedside tables and wardrobes
  • TVs and TV cabinets
  • Couches, dining tables, chairs and sideboards
  • Dishwashing machines and fridges
  • Washing machines and clothes dryers
  • Outdoor furniture sets

You could be purchasing brand-new furniture items to fill a new home, upgrading worn pieces of furniture or buying quality used and secondhand furniture. Furniture loans can help you purchase all these items without adding to any financial strain.

Apply for a furniture loan between $2,001 and $75,000 from Handy Finance today. We offer loan terms between one and seven years, and all our furniture loans have a fixed interest rate. What does that mean for you? It means your repayments are set from the beginning, so you don’t have to worry about changing rates. Choose to pay off your loan in weekly, fortnightly or monthly instalments, or even to pay off your loan early. There is a $0 early repayment fee across all our loans.

Eligibility criteria

In order to apply for a Handy Finance Furniture Loan, you must meet the eligibility criteria:

  • You must be at least 18 years of age
  • You must be an Australian permanent resident or Australian citizen
  • You must be employed and receive employment income (including self-employment)
  • You must not have outstanding or unpaid defaults
  • You must not have a history of bankruptcy nor be party to a court judgment
  • You must not be in financial hardship with another financial provider

Once you’ve determined you meet the eligibility criteria, you can submit your loan application online. Complete the application form and include documentation proving you meet the eligibility criteria, such as your driver’s license or passport and three months’ bank statements. You can submit bank statements through the Illion Bank Statement service, a secure service that Handy Finance uses to access and verify your statements. 

After you’ve submitted everything for your loan application, you’ll receive an indicative result from our credit experts in a couple of minutes. Once your application has been approved, you will receive the furniture loan funds in your nominated bank account within 24 hours.

Let Handy Finance help secure the furniture loan you need

You’ll find low interest rates and competitive terms when you choose Handy Finance. Along with our furniture loans, you’ll find a wide range of online loans to cover those big expenses in life. Speak to our credit experts about what is on offer, as they can recommend the best loan option for you.

Frequently Asked Questions

The purpose of a furniture loan is to help you purchase new or secondhand furniture items. That can include one or two expensive pieces or several items to help you fully furnish your home.

You can use the furniture loan to buy new or used furniture, including things like bed frames and mattresses, TV cabinets, couches, dining tables and chairs and outdoor furniture sets.

Yes, your furniture loan can be used to pay for furniture or appliances for every room of the house. It’s common to use a furniture loan to cover the cost of dishwashing machines, clothes washing machines, dryers and fridges.

Your financial situation determines rates for our furniture loan. Our credit experts review your application and provide terms tailored to you, including a fixed interest rate and loan term between one and seven years. Read more about rates and fees for our personal loans online today.

If you need the eligibility criteria for a furniture loan, you can apply to borrow between $2,001 and $75,000 from Handy Finance.

While we can’t advise on approval before we review your application, there are a few ways to better understand your borrowing power and the terms you might be offered. You can use the Handy Finance Loan Calculator, which provides an indicative interest rate and repayment sum based on the loan amount, loan term and credit score you input. Another option? Apply for a free quote online, which will provide you with indicative terms.

The final repayment sum of your furniture loan will be the loan amount plus interest. You can choose to repay your loan via weekly, fortnightly, or monthly instalments. Your repayments can be spread over one to seven years, and you can increase or decrease repayment frequency as your circumstances allow.

The interest rate you receive on your furniture loan is based on your financial situation, so it will change from person to person. At Handy Finance, all our personal loans have fixed interest rates. This means that once decided, your rate is set rather than subject to market fluctuations.

You can! At Handy Finance, we have a $0 early repayment fee, meaning you can pay off your loan early without applying any extra fees.

The way to extend your loan term is to refinance your furniture loan. Refinancing is very common for customers whose financial situation may have changed since first applying for the loan, and it can give customers a viable alternative to defaulting on the loan. At Handy Finance, our credit experts can help you refinance a current Handy Finance loan or one from another lender.

Furniture loans at Handy Finance can be secured or unsecured. If you choose to take out a secured furniture loan, you must provide security (usually a vehicle) against the loan.

You can – to be eligible for a furniture loan with Handy Finance, you must be currently employed, and that includes self-employment. The other eligibility criteria state that applicants must be over 18 years of age and a citizen or permanent resident of Australia. The applicant must not have any outstanding defaults, a history of bankruptcy or financial hardship with another provider.

Question icon

Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

Unlock possibilities with Handy Finance furniture loans

Get started(Opens in a new tab)

A quote won’t impact your credit score