Home Furnishings Loans

Home Furnishing Loans

Find your Freedom with a home furnishing loan

  • Rates from only 3.6% APR
  • No impact on credit score
  • Quotes tailor-made for you
  • Decision in minutes

A home furnishing loan is used to cover the costs of improving your home on a relatively small scale. This relates to the purchase of maintenance materials or tools, or updating interior décor, as opposed to paying for large-scale extensions.

Representative 15.9% APR (Variable)

Representative example: If you borrow £7,500 over 5 years at a Representative APR of 15.9% and an annual rate of 15.9% (fixed) you would pay £177.82 per month. Total charge for credit will be £3,169.20. Total amount repayable is £10,669.20. Minimum repayment period is 12 months. The %APR rate you will be offered is dependent on your personal circumstances. Freedom Finance is a leading credit broker and not a lender.

Home furnishing loans can be invested in your property in the following ways:

Improved comfort

This may be something as simple as redecorating or modernising existing rooms, or it could be a more structural approach, such as waterproofing trouble areas or improving heating and ventilation systems.

Additional living space

This does not always mean building an extension, for which a secured loan or second mortgage may be more appropriate.Transforming existing, unused space, such as turning a basement into a cinema room or an unused attic into an extra bedroom, can create additional living areas.

Continued maintenance

Maintenance could be a cosmetic update to the décor or an essential repair to the roof. Either way, a home improvement loan can be used as an investment to prevent costly surprises in the future.

Increased security

Secure homes are more important than ever, which is why more and more people are investing their home furnishing loan into enhanced security features on their windows and doors.

Increased security

Secure homes are more important than ever, which is why more and more people are investing their home furnishing loan into enhanced security features on their windows and doors.

Energy efficiency

Investing in your home is likely to save you money in the future as you are keeping on top of any potential problems, as well as taking advantage of developments in energy efficiency solutions. A home furnishing loan can be extremely helpful in funding the labour, tools and materials needed to carry out this work. Hopefully, the savings you make in utility bills can recoup some of the costs of the home furnishing loan.

How much can I borrow?

A home furnishing loan is usually spent on relatively low cost purchases, as opposed to costly home extensions, so you don’t need to borrow a large amount. A home furnishing loan of just £1,000 can be taken out over 6 months.

Can the repayments be variable?

Home furnishing loans are usually set at a fixed interest rate which allows for more effective monthly budgeting, as the amount to be repaid each month remains the same.

Need guides to borrowing?

Our aim at Freedom Finance is to provide you with the information you need to make educated decisions when it comes to your borrowing and your money. The online financial market place is filled with conflicting, jargon-filled information about which loan product is the right one for you.

These deals may look attractive, but many of them apply only to those with an outstanding credit history. In reality, the best deal on offer might not be available to you. With our comprehensive finance guides, we aim to equip you with the know-how to make the best decisions about your borrowing and your money.

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Whether you're planning on some home improvements, replacing your car or simply getting your finances in order, a loan from Freedom Finance could be more affordable than you think. Use our calculator above to find the ideal loan for you. All quotations given are for illustrative purposes only. Credit subject to status. The rate you are offered will depend on your personal circumstances, credit assessment procedures and other related factors.