Furniture loans & White Goods

Are you looking for a furniture loan? Secure one in 3 simple steps!

For most people, their home is their sanctuary: so it’s worth spending the time and money to ensure that it’s comfortable for you and a pleasurable space to spend your time in. While this sentiment may sound great in theory, the reality is that furnishing a house can be expensive.

A bed, couch, dining table and white goods, like fridges and washing machines all, usually cost well above the $1,000 mark – so when these items are combined the bill can be extremely high. We offer loans across Australia – including BrisbaneSydneyMelbournePerth and Adelaide.

So, if you’re looking to furnish your new (or current) abode, but don’t have enough cash on hand to do so, our furniture and white good loans can help. We can offer small cash loan amounts between $500 and $5000 to help you afford your home essentials, and you can pay that amount off gradually over the loan terms.

Our furniture loans are extremely easy to apply for, and the approval process is very quick. In fact, the whole process is as easy as 1 (online application), 2 (confirmation), 3 (money funded).

Here’s a quick rundown on how you can get fully funded in a short amount of time with minimal hassle.


To apply for a loan with City Finance, you’ll need to fill in an online application form, which you can find here. The application is simple and you’ll just be required to select the amount you’d like to borrow and the repayment time, as well as fill in some personal information and send proof of identity.


Once we receive the information from you, someone from our team will call you to confirm your application details. If your application is approved, we’ll send you an email confirming the approval. We’ll also get your bank details so we can send over the money.


Once you’ve been approved, you should receive the money by the end of the day. However, most customers receive the money even sooner. From here you’ll be able to spend the money on what you please – and you will just need to meet the contracted repayments (weekly, fortnightly or monthly).

What are furniture loans?

A furniture loan, similar to payday loans, is a personal loan that’s used to afford furniture or white goods for your home. They are an unsecured personal loan, which means you won’t need to put forward security or collateral to receive the loan.

These personal loans can be used for a variety of things; like entirely furnishing a new house, upgrading some old furniture or home improvement costs.

We are a flexible lending institution that offers furniture loans to borrowers who may not be approved elsewhere. Even if you have a bad credit rating, are on government benefits, or are self-employed, we pride ourselves on being able to help Australians that have been turned away elsewhere. Learn more about our bad credit loan criteria.

Am I eligible for a furniture loan?

Are you over 18, an Australian citizen and looking for some extra cash to furnish your home? If so, then you’re probably eligible for a furniture loan with us. We offer a furniture loan as an unsecured personal loan used to buy home goods.

Aside from being over 18 and have the intent of using the personal loan to furnish your house, we also require also need proof of income (this can be in the form of a salary or as government benefits), ID and some supporting bank statements. If you can fulfil these requirements, then you’re probably eligible for a furniture loan with us.

Unlike many lenders, we consider applications for the following:

What supporting documents and information do we need to process your furniture loan application?

At City Finance the process of applying for a furniture loan is simple. We don’t need a bunch of different documents, all we require is the following:

  1. A copy of your ID
  2. A short application form with details such as your address and phone number
  3. 90-day history of bank transactions
  4. Proof of income (Eg a payslip or Centrelink income statement)

Been approved for a loan with us before? You may be eligible to apply for a no credit check loan.

How City Finance can help borrowers looking for furniture loans

Quick approval process

There’s a good reason that personal loans are often associated with being a long, tedious process; it’s the firsthand experience many people have had with a lot of personal loans. At City Finance we understand the laborious task of having to spend a long time on the application process, and then having a frustrating wait in store to find out if your application is successful.

This is why we’ve streamlined our application and approval process to be as quick as possible. Our application process takes a few minutes and requires minimal supporting documentation. Once your loan is applied for, our team strives to work as quickly as possible to approve it. In many cases, our applicants will have money in the bank on the same day they apply for a loan. Learn more about our same day loan funding process.

Trusted lender

When taking out a loan, it’s of utmost importance to ensure that the lender is a trustworthy business: one that won’t leave you with unexpected fees and will live up to their promises. City Finance has been in the business of lending for over twenty years, and we have helped thousands of happy Australians. Need some evidence? Just check out our glowing reviews and let them speak for themselves! Plus, we don’t charge any early repayment fees.

Hassle free borrowing

Once you’re all settled in with your new furniture and white goods, you’ll want to spend your time enjoying them! Not worrying about missing a payment date. As well all know far too well if a repayment date is missed you’ll often be hit with a late payment fee. We help our borrowers avoid this by having an automatic payment system. On the day that your repayment is due, we will arrange for it to be automatically direct debited from your nominated bank account.

Inclusive lending

If you find yourself in a situation where other lending institutions have denied you – whether it be for a bad credit score, a less than perfect financial situation – or the fact that you just don’t meet all of their eligibility criteria perfectly, we can help. At City Finance we pride ourselves on being an inclusive lender. Rather than judging applicants on their history, we personally consider each of our applicants and work to help them sort out a lending amount and a loan term that is manageable for them.

Flexible repayment terms

Rather than have blanket loan terms, we offer varying amounts to borrow, paired with varying repayment terms. Our friendly team will assess your individual circumstances, and help to determine the amount and repayment schedule that will suit you best.

We’re supportive

Most loans will have rigid conditions, and if these conditions aren’t met (like a set repayment amount due on a certain day), then the borrower will be penalised. We do our best to avoid this. If a borrower finds themselves in a situation where they can’t make their agreed payment, we’ll strive to help them work out a plan that they can manage. If you find yourself in this scenario, simply reach out to one of our friendly team members who will set up a flexible contingency plan.

What can I use a furniture loan for? 

White goods

Large electrical appliances like fridges, dishwashers, washing machines and stoves all fall under the category of white goods. The appliances tend to be expensive, and if you need to purchase a few of them, the costs can add up significantly. If you find yourself needing some new white goods, but can’t afford the astronomical amount of them, you don’t need to wait while you save up the money. Instead, take out a furniture loan with us and get shopping!

New furniture

Situations, where you may find yourself needing new furniture, include; moving into a new house from a furnished rental, or upgrading to a bigger house. Both of these will probably require you to invest in a lot of new furniture. Of course, this will be expensive. To remove the stress of affording all of the furniture and white goods, simply take out a furniture loan with us to cover costs and you can pay the balance off gradually over your loan terms.

Moving costs

Moving into a new place can come with a tonne of cost like moving your home belongings, replacing furniture, paying a security bond and paying rent upfront. Even if you’ve set aside a healthy budget to cover these costs, you may find yourself spending more than you expect. If this has happened, you can take out a furniture loan with us and pay the balance back weekly, fortnightly or monthly.

Furniture upgrades

Maybe your air conditioner unit is barely working, or you’re dying for a brand new comfy bed. If so, why not take out a furniture loan with us and afford yourself these luxuries? Our furniture loans can cover the costs and you can pay the loan amount back over an extended period of time.


Highly highly highly recommended City Finance to anyone. The staff are absolutely amazing and very helpful. My experience the two times I have used their services have been amazing. Thank you guys!

Lulu Millar
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I had a very easy and straight forward experience dealing with City Finance... Very much appreciated the quick flow of decision making displayed. Regards, Graeme

Graeme Austin
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Great customer service, they're happy to help out when you need it if something unexpected has happened and you need cash fast, definitely recommend and repayments are tailored to your needs.

Cassandra Dodd
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Wonderful people very friendly and helpful been with them for some time now and have never had an issue with them always have my payments on time

Pauline Arrowsmith
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City finance for fantastic. The application is still in fairly quickly within outcome usually within 24 to 48 hours. Customer service is lovely and the only company that would help me out with the loan when no other one would. Highly recommend.

Chanelle Ryan
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