Furniture loans: loans for sofas, washing machines and other furnishings

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Clarence fist pumping the air opposite a blue sofa with yellow cushions

What to know about home furnishing loans

What is a home furnishing loan?

A home furnishing loan is usually an unsecured personal loan used to buy new furniture, such as a sofa or washing machine. With an unsecured home furnishing loan, you’ll borrow a fixed amount over a set amount of time, then pay it back in monthly instalments, plus interest.

How much can I borrow?

With an unsecured home furnishing loan, there is the ability to borrow up to £25,000 to cover the cost of your new furniture. However, the amount you can actually borrow depends on your personal circumstances.

Can I take out a secured home furnishing loan?

Yes, refurbishment loans can also be secured against your property if you’re a homeowner and you have enough equity in your home. With a secured loan, you may be able to borrow more than £25,000 and pay it back over a longer period. However, if you become unable to pay back your loan, your home could be used to cover the cost.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Can I make a joint home furnishing eligibility check?

Yes, you can add a partner, friend or relative to your eligibility check (with their consent). To make a joint home furnishing loan application, give our team a call on 0800 432 0142.