Furniture Loans

Make yourself comfortable with no fees.

Your favourite room feels even better when you’re paying no fees.

From 6.75 % pa Interest rate
From 6.75 % pa Comparison rate*

Bring your dream room to life

Whether you’re moving out for the first time or eyeing off something special, a NOW Finance furniture loan makes it simple to get a sweet suite.

No fees, no fuss, and no red tape.

No fees

Forget about fees. Our personal loans are fee-free, forever. No ifs or buts about it.

Uniquely yours

Like a custom-tailored suit, your rate is made just for you. Get your personalised quote in less than 2 minutes.

VIP service

You’ll have a dedicated personal loan consultant to steer you through the entire process.


Our loans are fair and personal

If you’re eligible and approved, you’ll have that money in your hands in as little as 24 hours.

You can choose a fixed term from 18 months to 7 years. But if you’d prefer something flexible, you can do that too.

PurposeFurniture Loans
Interest RateFrom 6.75% p.a. (Unsecured)
From 6.75% p.a. (Secured)
Comparison RateFrom 6.75% p.a.* (Unsecured)
From 6.75% p.a.* (Secured)
Loan Amount$5,000 – $50,000 (Unsecured)
$15,000 – $100,000 (Secured)
Loan Term18 months – 7 years
Loan Fees$0 – No Fees
Upfront Fees$0
Early Exit Fees$0
Missed Payment Fees$0
Ongoing Fees$0

1. Get your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

2. Apply online

Complete your online application and get a response in 2 minutes.

3. Money in your account

Access your funds within 24-48 hours of being approved.


The people’s choice

With more than 1,700 5-star reviews, you won’t be the only one loving your loan.

Really quick turn around, better interest rate than my previous bank, a very uncomplicated process with a team that looked after me every step of the way.


Darren loves NOW Finance

Personalised rates and personal service. Darren shares his experience with NOW Finance.

Get your personalised quote today


Furniture Loans, explained

Furniture loans are a type of personal loan that can be used to buy almost any type of household furnishing. Many clients use these loans to purchase necessary furnishings for their home or rental, including:

  • Mattresses
  • Bed frames
  • Outdoor furniture
  • Dining sets
  • Couches

Furniture loans are similar to many other types of financing options. Once you have applied and are accepted by NOW Finance, you will sign documents committing you to a specific loan term, repayment schedule, and interest rate. This allows you to purchase the furniture of your dreams within days.

There are hundreds of financing companies located throughout Australia, many of which can offer you some type of unsecured personal loan.

Unfortunately, not all companies are entirely transparent with their fees or payment terms. At NOW Finance, our near-perfect scores on TrustPilot make us one of the most competitive companies on the market for providing a clear, simple, no fee loan solution.

A hard inquiry on your credit is likely to reduce your overall score for a certain period of time. Fortunately, making regular payments and reducing other debts over time will gradually restore your score to normal.

Be sure to follow all best credit practices both before and after applying for a furniture loan.

Furniture loans are great options for new homeowners, recent graduates, and property owners looking to update their furniture selections.

Although furniture loans are the perfect solution for making big purchases without draining your bank account in most cases, it’s important to note that furniture loans aren’t always the best lending option in every circumstance.

Looking to entirely renovate your home? A home renovation loan might be the better option.

Most furniture companies in Australia accept loaned money as a valid form of payment. At NOW Finance, when approved, we transfer your funds into a nominated bank account within 24 to 48 hours, allowing you to access and use your cash right away.

A high credit score, good repayment history, and steady employment will better qualify you to receive a furniture loan from a qualified lender. There are a few steps you can take to maintain each point:

  • Pay off all bills on time and in full.
  • Reduce or eliminate other outstanding loans.
  • Be able to show a minimum history of employment.

Still have questions? Please contact NOW Finance today to speak with a personal loan advisor.

What should I know about a NOW Finance furniture loan?

Whether you’re moving out for the first time, upgrading to a bigger home, or you’re eyeing off something special, finding the perfect furniture for your property is an exciting experience.

Apart from picking the right colours, styles and sets for your personal style, you’ll also need to pick the pieces that balance with your budget. But settling with furniture that makes your wallet happy doesn’t always provide what you want.

The cost of furniture isn’t getting any lower and finding pieces that meet your budget isn’t getting any easier either. To purchase the furniture you need without limiting your options, consider investing in a personal furniture loan from NOW Finance.

At NOW Finance, we’re proud to help property owners around the country bring home furniture without breaking the bank. As a leading furniture loan company in Australia, our goal is to pair you with a loan you’ll love within 48 hours or less of being approved.

A trustworthy, personalised furniture loan company

With years of experience in the personal loan industry, NOW Finance provides loans for furniture ranging from $5,000 to $50,000 (unsecured). We are not associated with any banks or large corporations, allowing us to provide personalised touches in every loan we write.

We know how much new furniture means to you, which is why we come alongside your budget and personal goals to create a loan that truly works with your needs.

Outstanding rates for personal furniture loans

Using our online furniture loan calculator, applicants can quickly check their estimated term length, repayment costs, and interest rates in a matter of minutes.

Because NOW Finance uses comparison rates that are equal to our interest rates, it’s easier than ever to estimate the potential costs of your next furniture loan.
Just plug in your desired borrowing amount, credit rating, and loan term to get started!

Furniture loans that are 100% fee free

At NOW Finance, we believe the lending process should be honest, transparent, and always authentic. That’s why we provide unsecured loans with absolutely no fees involved.

What you see is what you get, and when you apply for your next furniture loan online, you can rest easy knowing the exact amount of every repayment.

No fees, no fuss, and no red tape!

Discover your eligibility for a furniture loan today

From patio sets to guest room suites, choose NOW Finance as your next furniture loan provider.

Start your NOW Finance personal loan application, it only takes 10 minutes or less to complete. Your next couch, mattress, or dining room set is just a few clicks away.

Ready to make your next move?

Get your personalised quote in 2 minutes