Personal Loans for Furniture Expenses

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How to Get a Loan for Furniture Expenses

Choosing and shopping to renovate your furniture can be fun; however, you may find financial obstacles that can limit your choices and restrain your wishes. Can you finance furniture? Certainly, in this article we will explore all the options and steps on how you can finance your furniture.

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How to get a loan for furniture expenses

Renewing furniture is an excellent way to give your home or office a new appearance, ideally environmentally friendly and budget-friendly. You may choose purchasing new furniture, restoring existing pieces or acquiring pre-owned items at thrift stores or garage sales. It also provides an opportunity for creative expression and to showcase your personal style by customizing the furniture's colors, patterns, and finishes. If you decide to sell your place in the future, furniture renovation may increase its value as it demonstrates that you have taken good care of your belongings. Renovating furniture is a practical and satisfying method of bringing character and individuality to your living space.

Choosing and shopping to renovate your furniture can be fun; however, you may find financial obstacles that can limit your choices and restrain your wishes.

What are the different types of furniture you can finance?

The following are possible type of furniture that you may be thinking on renovating. Prices of each item may vary depending on multiple factors such as the brand, quality, design, material, size, location, and store of the purchase. The prices shared above are rough estimates, the actual prices will depend on specific features and characteristics.

  • Sofas and Couches: Commonly, a small-sized sofa could cost around $300 to $500, a bigger size and high-quality sofa could range from $1,000 to $5,000 or even more. There are custom-made sofas that may cost higher than usual commercial prices.
  • Armchairs and Recliners: You can find basic recliners in the early hundreds. However, more luxurious models with higher-quality materials, additional features such as heating, massage, and power recline and from fancy stores can cost $1,000 or more.
  • Beds and Mattresses: A simple or basic twin or full-sized bed may cost about $200 to $500; however, larger size such as queen or king and high-quality made materials can cost $1,000 or more. Beds made from solid wood, metal or leather can also be more expensive, approx. from $1,500 to $5,000 or more. Furthermore, beds with special features such as built-in storage or adjustable frames can also alter and increase the price.
  • Ottomans and Footstools: Basic ottomans may cost approx. $50 to $100, larger ones and more luxurious models with high-quality materials, and additional features such as storage or built-in trays can cost mid hundreds or more. Specialty ottomans, such as those designed for outdoor use or made from premium materials like leather, can also be more expensive, with prices ranging from $300 to $1,000 or more.
  • Coffee and End Tables: A basic coffee tables may cost about $100 to $200, a larger, more ornate models made from high-quality materials can cost $500 or more. Some coffee tables come with additional features such as built-in storage or lift tops, which can also affect the price. Specialty coffee tables made from premium materials like solid wood or marble can also be more expensive, with prices ranging from $1,000 to $5,000 or even more.
  • TV Stands and Entertainment Centers: $200 to $500 is the average price of a basic TV stand, but larger, more complex models with additional features like built-in lighting or extra storage can cost $1,000 or more. Entertainment centers made from high-quality materials such as solid wood or metal can also be more expensive, with prices ranging from $1,500 to $5,000 or more. Additionally, the price may also depend on whether the entertainment center is sold as a standalone item or as part of a larger furniture set.
  • Bookcases and Shelving Units: You can find basic bookshelves for around $50 to $150, while larger, more ornate models made from high-quality materials can cost $500 or more. Shelving units made from premium materials: solid wood or metal may be more expensive, price ranges from $500 to $2,000 or more. Also, bookshelves with built-in lighting, other special features, or custom made can also affect the price.
  • Desks and Office Chairs: Basic desks and office chairs can be found for around $100 to $300 per piece, larger ones and more elaborate models made from high-quality materials can cost $500 or more. Desks and office chairs made from premium materials such as solid wood or metal or with special features can also be more expensive, with prices ranging from $1,000 to $5,000 or more.
  • Dining Tables and Chairs: Simple dining table may cost $200 to $500, but bigger and more ornate models made from high-quality or premium materials such as solid wood or marble can cost $1,000 to $5,000 or even more.
  • Sideboards and Buffets: Simple and basic sideboard may be found in the early hundreds, but more sophisticated size and high-quality material may cost from $1,000 to $5,000 or more.
  • Dressers and Nightstands: On the lower end, you can find basic dressers made of particleboard or laminate for around $100 to $200. Mid-range dressers made of solid wood or a combination of wood and composite materials can range from $300 to $800. High-end dressers made of premium woods or with intricate designs can cost $1000 or more.
  • Wardrobes and Armoires: The lowest possible price of a wardrobe can be in the early hundreds, but wardrobes made of solid and premium wood, and with custom-design can cost $1,000 or more.
  • Benches and Stools: Benches that are made of simple material and basic design may cost $50 to $100. Nevertheless, a more refined and elaborated piece, made of premium or high-quality material may cost $1,000 or more.
  • Outdoor Furniture: Furniture to bring outdoors can include the following items and therefore prices will vary greatly: Patio sets, Adirondack chairs, hammocks, sun loungers, outdoor benches, porch swings, umbrellas, outdoor sofas and loveseats, sectional seating, dining sets- outdoor tables and chairs, rocking chairs, outdoor bar sets, fire pits, outdoor stove, outdoor grill, outdoor rugs and cushions, outdoor storage solutions such as deck boxes, storage shed, greenhouse.
  • Children's Furniture: The following are common furniture used for children: children's beds- bunk beds, loft beds, and trundle beds, cribs and bassinets, changing tables and dressers, desks and chairs for homework and activities, bookcases and storage units for toys and books, play tables and chairs, rocking chairs and gliders for nursing and bedtime stories, toy boxes and chests, step stools and small chairs for reaching high surfaces, bean bags and floor pillows for lounging and relaxing, high chairs and booster seats for mealtime.

Is new furniture a good investment?

Acquiring new furniture can prove to be a wise investment for multiple reasons. First and foremost, new furniture can improve the overall comfort and practicality of your living space. Whether you're in search of a supportive mattress, a trendy couch, or a useful dining table, new furniture options can assist you in establishing an environment that aligns with your requirements and enhances your way of life. Furthermore, premium-quality furniture tends to be robust and enduring, thereby minimizing the need for frequent repairs or replacements and saving you money in the long term. Lastly, new furniture can augment your home's worth, both aesthetically and in terms of resale potential. By selecting items that are not only elegant but also purposeful, you can create an inviting space that is both appealing and functional, improving its appeal and boosting its overall value.

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How can I get furniture financing?

There are various options available to fund the purchase of new furniture

Savings: If the expense is not high and you need only a few items, you may be able to use your wallet savings and buy new furniture for your needs.

Personal loan: If you need a greater upgrade and much more furniture items, in which your personal savings cannot afford, or you simple desire to borrow a lump sum from a lender and pay it back with interest over a set term, a personal loan is the most common option.

Credit card: Credit cards are typically used by people with good credit scores. It allows the cardholder to borrow funds for buying goods and services. The cardholder can use the credit card to make purchases up to a certain credit limit, which is the maximum amount that they can borrow. Afterwards, the cardholder has to pay back the borrowed amount, as well as any fees or interest charged by the card issuer.

A Home Equity Line of Credit (HELOC): A HELOC is a loan that permits you to borrow funds up to a predetermined limit, similar to a credit card. You can use the money as and when you need it. This loan is collateralized by your home's equity, which means you may be eligible for higher borrowing limits and lower interest rates. Nevertheless, if you are unable to repay the loan, your home may be in jeopardy.

What are the pros and cons of furniture loans?

Furniture loans, also known as personal loans for furniture, are loans taken out specifically to purchase furniture. Here are some potential pros and cons to consider:


  • Furniture loans can help you purchase furniture that you may not be able to afford upfront, allowing you to spread out the cost over a period of time.
  • If you have good credit, you may be able to obtain a furniture loan with a low interest rate and favorable terms.
  • Furniture loans may offer fixed interest rates, which can make budgeting and repayment more predictable.


Taking out a furniture loan means you will be taking on debt, which can be a burden on your finances.

Furniture loans can be tempting, but you should ensure that you are able to make the monthly payments on time and in full to avoid defaulting on the loan, which can have negative consequences for your credit score and overall financial health.

Can you get furniture financing with no credit check?

If you wish to avoid a credit check, then a 401(k) loan is your sole alternative. This type of loan entails borrowing money from your retirement account, and you can borrow up to 50% of your account balance or $50,000, whichever amount is less. It is generally not permissible to continue making contributions to your retirement account until you have repaid the loan.

What credit score do you need to finance furniture?

The availability of financing options will vary based on the amount you intend to borrow. If you only require a few hundreds to renovate a desk, you may still be able to obtain financing even if your credit score is low. However, it is suggested that you aim to have a credit score of at least 640 to secure reasonably priced loan alternatives.

Can you get furniture financing with bad credit?

It is possible, but it's important to be cautious of the interest rates. You can utilize our calculator to ensure that you have a clear understanding of the total cost of your loan.

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Acquiring new furniture can substantially improve your place's appearance. If you determine that a personal loan is the most suitable method of financing, we are available to assist you. We have compiled a list of the best furniture personal loans in our tables, so all that's left for you to do is compare and apply.

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