Can I get a personal loan for furniture?

Yes, you can get a personal loan for furniture. Personal loans for furniture are unsecured loans (no collateral required) that can be used to purchase any furniture — sofas, sectionals, bedroom sets, dining sets, mattresses, office furniture, outdoor furniture, and home decor. Here is how: 1) Loan amounts range from $1,000 to $100,000 depending on the lender. 2) APRs range from 6.99% to 35.99% depending on your credit score and income. 3) Funding speed ranges from same-day (LightStream) to 1-3 days (most lenders). 4) Repayment terms range from 12 to 144 months. 5) No collateral is required — the loan is unsecured. 6) You can apply online in minutes and get pre-qualified with a soft credit pull (no impact to your score). Best lenders for furniture: LightStream (7.99% APR, same-day funding, $100K max, 144-month terms), Marcus by Goldman Sachs (6.99% APR, 1-3 days, $40K max, 0% origination fee), and SoFi (8.99% APR, same-day to 3 days, $100K max).

What is the best loan for furniture?

The best loan for furniture depends on your situation: 1) Best overall — LightStream (7.99% APR, same-day funding, $100K max, 0% origination fee, up to 144 months repayment). Best for large purchases and fast funding. 2) Best for lowest rate — Marcus by Goldman Sachs (6.99% APR, $40K max, 0% origination fee, 36-72 months). Best for smaller purchases with good credit. 3) Best for full home furnishing — SoFi (8.99% APR, $100K max, 0% origination fee, 24-84 months). Best for $10K-$100K purchases. 4) Best for low credit — Upgrade (8.49% APR, 560 min credit, $50K max). Best if your credit score is below 660. 5) Best for no credit — Oportun (12.99% APR, no minimum credit score, $25K max). Best if you have no credit history. 6) Best for mattress only — Marcus (6.99% APR, $40K max, 0% origination — lowest rate for small purchases). 7) Best for fast shopping — LightStream (same-day, $100K max — shop and buy the same day). Always compare at least 3 lenders and choose the one with the lowest APR for your credit profile.

Is a personal loan better than store financing for furniture?

A personal loan is often better than store financing for furniture. Here is why: 1) No deferred interest trap — store credit cards (Ashley Furniture, Rooms To Go, Wayfair) offer 0% promo APR for 12-60 months, but if you do not pay the FULL balance before the promo period ends, you are charged 26.99% interest retroactively from day one. On a $5,000 purchase, that is $1,350+ in retroactive interest. Personal loans do not have this trap — the rate is fixed from day one. 2) Lower regular rates — personal loans start at 6.99% APR vs store cards at 26.99% after promo. 3) Higher limits — personal loans go up to $100,000 vs store cards typically $2,000-$15,000. 4) Shop anywhere — a personal loan lets you buy from any store, compare prices, and get the best deals. Store cards lock you into one retailer. 5) When store financing is better: if you can pay off the full balance within the 0% promo period (12-60 months), store financing is 0% interest — better than any personal loan. Just make sure you pay it off before the promo ends. 6) Best strategy: if you can pay off in 12-60 months, use store 0% promo (set up auto-payments to avoid missing the deadline). If you need longer than the promo period, use a personal loan at 6.99-8.99% APR.

How much can I borrow for furniture?

The amount you can borrow for furniture depends on the lender and your credit profile: 1) LightStream and SoFi — up to $100,000 (highest maximums). 2) Upstart, Upgrade, and Best Egg — up to $50,000. 3) Marcus, Discover, and LendingClub — up to $40,000. 4) Avant — up to $35,000. 5) Oportun — up to $25,000. Your actual approved amount depends on: your credit score (higher score = higher amount), your debt-to-income ratio (lower DTI = higher amount), your income (higher income = higher amount), and your employment history. Example: If you need $8,000 for a living room set, all 10 lenders can accommodate. If you need $25,000 to furnish a full 3-bedroom house, all 10 lenders can accommodate. If you need $50,000 for luxury designer furniture, only LightStream, SoFi, Upstart, Upgrade, and Best Egg offer amounts that high. Most furniture loans are between $3,000 and $15,000.

Can I get a furniture loan with bad credit?

Yes, you can get a furniture loan with bad credit. Here are your options: 1) Oportun — no minimum credit score required, 12.99% starting APR, up to $25,000. Best for no credit or very low credit. 2) Upgrade — 560 min credit score, 8.49% starting APR, up to $50,000. Best for fair credit (560-659). 3) Avant — 550 min credit score, 9.95% starting APR, up to $35,000. Best for credit scores 550-659. 4) Upstart — 580 min credit score, 7.80% starting APR, up to $50,000. Best for credit scores 580-659. 5) LendingClub — 600 min credit score, 8.98% starting APR, up to $40,000. Accepts co-signers to help qualify. 6) Co-signer option — if your credit is too low, add a co-signer with better credit. LendingClub and Upgrade accept co-signers. 7) Buy Now Pay Later (Affirm, Klarna) — some BNPL services approve with lower credit. 0-30% APR, up to $17,500, immediate at checkout. 8) Rent-to-own (Rent-A-Center, Aaron's) — no credit check, but extremely expensive (100-300% effective APR). Total cost is 2-4x the retail price. Avoid if possible.

How fast can I get a loan for furniture?

The speed of getting a furniture loan depends on the lender: 1) Same-day funding — LightStream (if you apply and are approved by 2:30pm ET on a business day, funds are deposited same-day). Best for same-day shopping. 2) Next-day funding — Upstart (1-2 days), Upgrade (1-2 days), Avant (1-2 days), Oportun (1-2 days). 3) 1-3 day funding — SoFi (same-day to 3 days), Marcus (1-3 days), Discover (1-3 days), LendingClub (1-3 days), Best Egg (1-3 days). For immediate furniture purchases (weekend sale, limited stock), LightStream is the fastest option with same-day funding. If you apply in the morning, you can have funds in your account by the end of the day and shop the same evening. For planned furniture purchases (browsing, comparing prices), any lender with 1-3 day funding is sufficient. The application process: 1) Pre-qualify online (2-5 minutes, soft credit pull). 2) Submit application (5-10 minutes, hard credit pull). 3) Get approved (minutes to hours). 4) Sign loan agreement (online, 5 minutes). 5) Receive funds (same-day to 3 days depending on lender).

Should I use Buy Now Pay Later (BNPL) for furniture?

Buy Now Pay Later (BNPL) services like Affirm, Klarna, and Afterpay can be used for furniture purchases, but they have pros and cons compared to personal loans: 1) Pros of BNPL — easy approval (sometimes no credit check), immediate checkout at participating retailers (Wayfair, Ashley, Overstock), 0% promo APR at some retailers, short-term payment plans (3-36 months). 2) Cons of BNPL — short repayment terms (3-36 months vs 12-144 months for personal loans), high rates after promo (up to 30% APR), lower max amounts ($17,500 vs $100,000 for personal loans), may require bi-weekly payments, can encourage impulse spending. 3) When BNPL is better: for small purchases ($500-$3,000) that you can pay off in 3-6 months at 0% promo. 4) When personal loan is better: for larger purchases ($3,000-$100,000) that need 2-12 years to repay, or when you want to shop at multiple stores. 5) Best BNPL for furniture: Affirm (0-30% APR, up to $17,500, 3-36 months, available at Wayfair, Ashley, Overstock) and Klarna (0-29.99% APR, pay in 4 or monthly, available at many online furniture stores).

Can I use a personal loan for a mattress?

Yes, you can use a personal loan for a mattress. Mattress financing is one of the most common uses for furniture personal loans. The average mattress in 2026 costs $800-$3,000, with luxury mattresses (Tempur-Pedic, Sleep Number, Casper Wave) costing $3,000-$5,000+. Here is how to finance a mattress: 1) Personal loan — best for transparent fixed rates. Marcus by Goldman Sachs (6.99% APR, $40K max, 0% origination — lowest rate), Discover (6.99% APR, $40K max, 84-month terms — longest repayment), and LightStream (7.99% APR, $100K max, same-day funding — fastest). 2) Mattress store financing — many mattress retailers (Mattress Firm, Sleep Number, Tempur-Pedic) offer 0% promo APR for 12-72 months. Good if you can pay off in the promo period. Watch for deferred interest. 3) Credit card (0% intro APR) — 0% for 12-21 months. Good for mattresses under $3,000 if you can pay off in the intro period. 4) BNPL (Affirm, Klarna) — 0% promo at some mattress retailers. Short terms 3-36 months. Best strategy: If you can pay off the mattress in 12-24 months, use store 0% promo or 0% intro APR credit card. If you need 3-7 years, use a personal loan at 6.99-8.99% APR.

Home>Blog>PERSONAL LOAN

PERSONAL LOAN22 min read2026-08-15

Sarah Mitchell

Senior Mortgage Advisor & Editor-in-Chief · NMLS #1874256, CFP

Personal Loans for Furniture 2026: Top 10 Lenders Compared (Furnish Your Home)

Rates Updated: June 27, 2026

Furnishing a home is expensive. In 2026, a living room set (sofa, loveseat, coffee table, TV stand) costs $2,500-$8,000, a bedroom set (bed frame, mattress, dresser, nightstands) costs $2,000-$7,000, a dining room set (table, 6 chairs, buffet) costs $1,500-$6,000, and a full home furnishing (3 bedrooms, living, dining, office) costs $10,000-$30,000. Whether you just moved into a new home, upgraded to a bigger place, or need to replace old furniture, a personal loan for furniture provides fast funding (same-day to 3 days) with fixed rates from 6.99% to 35.99% APR and loan amounts from $1,000 to $100,000. Unlike store financing (which often has deferred interest traps at 26.99% retroactive), personal loans offer transparent fixed rates and set payoff dates. We compared the top 10 lenders for furniture financing and ranked them based on funding speed, APR, loan amounts, credit flexibility, and repayment terms. Whether you need $2,000 for a new sofa or $25,000 to furnish an entire home, this comparison will help you find the best furniture loan. [cta:Compare today's best furniture loan rates|personalLoan]

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Top 10 Personal Loan Lenders for Furniture 2026: Side-by-Side Comparison

We compared the 10 best personal loan lenders for furniture financing across 8 critical factors: starting APR, max loan amount, funding speed, minimum credit score, origination fee, repayment terms, co-signer option, and special features.

For furniture loans, APR and 0% origination fee are key — store cards charge 26.99% deferred interest, so a 6.99% personal loan saves thousands. Compare furniture loan lenders

Rank	Lender	Starting APR	Max Loan	Funding Speed	Min Credit	Origination Fee	Repayment Terms	Get Started
1	LightStream	7.99%	$100,000	Same-day	660	0%	24-144 months	Get furniture loan
2	SoFi	8.99%	$100,000	Same-day to 3 days	680	0%	24-84 months	Get furniture loan
3	Marcus by Goldman Sachs	6.99%	$40,000	1-3 days	660	0%	36-72 months	Get furniture loan
4	Discover Personal Loans	6.99%	$40,000	1-3 days	660	0%	36-84 months	Get furniture loan
5	Upstart	7.80%	$50,000	1-2 days	580	0-10%	36-60 months	Get furniture loan
6	Upgrade	8.49%	$50,000	1-2 days	560	0-8%	24-84 months	Get furniture loan
7	Avant	9.95%	$35,000	1-2 days	550	0-4.75%	12-60 months	Get furniture loan
8	LendingClub	8.98%	$40,000	1-3 days	600	0-6%	36-60 months	Get furniture loan
9	Best Egg	8.99%	$50,000	1-3 days	600	0-6%	36-60 months	Get furniture loan
10	Oportun	12.99%	$25,000	1-2 days	No minimum	0%	12-60 months	Get furniture loan

Best Lenders for Personal Loans for Furniture

Nov 1

SoFiBEST RATE

Lowest rates for good credit

6.99%

Min credit: 680

Upstart

Accepts lower credit scores

7.80%

Min credit: 580

Avant

Best for fair credit

9.95%

Min credit: 550

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Best Furniture Loan Lenders by Category 2026

Different furniture needs require different lenders. Here are the best by category.

Match your furniture project to the best lender for optimal rates and terms. Find your best furniture loan

Category	Best Lender	Why They Win	Key Advantage	Get Started
Best for full home furnishing ($10K-$30K)	LightStream / SoFi	$100K max, 0% origination, long terms	Highest loan amounts	Get full furnishing loan
Best for living room set ($2K-$8K)	Marcus / Discover	6.99% APR, 0% origination, $40K max	Lowest rate for mid-size	Get living room loan
Best for bedroom set ($2K-$7K)	Marcus / Discover	6.99% APR, 0% origination, $40K max	Lowest rate for bedroom	Get bedroom set loan
Best for mattress only ($1K-$4K)	Marcus	6.99% APR, 0% origination, $40K max	Lowest rate for small loan	Get mattress loan
Best for lowest rate	Marcus / Discover	6.99% APR, 0% origination fee	Lowest starting APR	Get low rate furniture loan
Best for low credit (560+)	Upgrade	560 min credit, 1-2 day funding	Flexible credit	Get low credit furniture loan
Best for no credit history	Oportun	No minimum credit score required	No credit minimum	Get no credit furniture loan
Best for fast funding	LightStream	Same-day funding, $100K max	Fastest funding	Get fast furniture loan
Best for long repayment terms	LightStream	Up to 144 months (12 years)	Longest terms available	Get long-term furniture loan
Best for co-signer option	LendingClub / Upgrade	Co-signer accepted to lower APR	Co-signer friendly	Get co-signer furniture loan

Furniture Loan Costs by Room Type 2026

Different rooms have different furnishing costs. Here is a breakdown of common furniture projects and their financing costs.

Use this table to estimate your loan amount and monthly payment for your specific furniture project. Calculate your furniture loan payment

Furniture Project	Average Cost (2026)	Recommended Loan Amount	Monthly Payment (36mo at 10%)	Total Interest (36mo)	Get Started
Mattress only (queen)	$800-$3,000	$3,000	$97/mo	$478	Get mattress loan
Sofa / sectional only	$1,000-$5,000	$5,000	$161/mo	$796	Get sofa loan
Living room set (sofa, tables, TV stand)	$2,500-$8,000	$8,000	$258/mo	$1,285	Get living room loan
Bedroom set (bed, dresser, nightstands)	$2,000-$7,000	$7,000	$226/mo	$1,114	Get bedroom loan
Dining room set (table, 6 chairs)	$1,500-$6,000	$6,000	$193/mo	$955	Get dining room loan
Home office (desk, chair, shelving)	$1,000-$4,000	$4,000	$129/mo	$643	Get office furniture loan
Full 1-bedroom apartment	$5,000-$15,000	$10,000	$323/mo	$1,606	Get 1BR furnishing loan
Full 3-bedroom house	$10,000-$30,000	$20,000	$645/mo	$3,213	Get 3BR furnishing loan
Luxury furnishing (designer pieces)	$20,000-$100,000	$50,000	$1,612/mo	$8,032	Get luxury furniture loan
Outdoor patio set	$1,000-$5,000	$5,000	$161/mo	$796	Get patio furniture loan

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Personal Loan vs Store Financing vs Other Furniture Options 2026

A personal loan is not the only option for furniture financing. Here is how it compares to other methods.

Compare all options — store cards with 0% promo APR can be good IF you pay off before the promo ends. Compare furniture financing options

Financing Option	Starting Rate	Max Amount	Funding Speed	Key Pros	Key Cons	Get Started
Personal loan (unsecured)	6.99% APR	$100,000	Same-day to 3 days	Fixed rate, no deferred interest, large amounts	Higher rates for lower credit	Get personal loan
Store credit card (Ashley, Rooms To Go)	0% promo 12-60mo	Credit limit	Immediate at store	0% promo period, in-store convenience	Deferred interest 26.99% retroactive if not paid in promo	Get store card
Buy Now Pay Later (Affirm, Klarna)	0-30% APR	Up to $17,500	Immediate at checkout	0% promo at some retailers, easy checkout	Short repayment 3-36mo, high rates after promo	Get BNPL furniture
Credit card (0% intro APR)	0% intro 12-21mo	Credit limit	Immediate	0% intro, rewards, sign-up bonus	High regular APR 16-26%, low limits for large purchases	Get 0% APR credit card
Rent-to-own (Rent-A-Center, Aaron's)	100-300% effective APR	N/A	Immediate	No credit check, weekly payments	Extremely expensive, total cost 2-4x retail price	Get rent-to-own
Savings	0%	Savings amount	Immediate	No interest, no debt	Depletes savings, may not be enough	Use savings
Layaway (Walmart, Kmart)	0% (small fee)	N/A	After full payment	No interest, no debt	Must wait until paid off to get furniture	Get layaway
0% store promo (12-60 months)	0% promo	Purchase amount	Immediate	0% interest if paid in promo period	Deferred interest retroactive if not paid in promo	Get store promo

How to Get a Personal Loan for Furniture: Step-by-Step Guide

Getting a personal loan for furniture is straightforward if you follow these steps.

The key: know what you need, compare APRs, and avoid store card deferred interest traps. Get your furniture loan

Step 1: List the furniture you need — room by room, with prices from 2-3 retailers or online stores
Step 2: Calculate the total amount you need — include delivery, assembly, and a 10% buffer for price changes
Step 3: Check for store promotions — some retailers offer 0% financing for 12-60 months (but watch for deferred interest)
Step 4: Subtract savings — only borrow what you cannot cover from existing funds
Step 5: Check your credit score — aim for 660+ for the best rates (6.99-8.99%), 580-659 for mid-range (9-20%), below 580 for higher rates (20-36%)
Step 6: Pre-qualify with at least 3 lenders from our top 10 (soft credit pull, no impact to score) — compare APR, loan amount, and terms
Step 7: Choose the lender with the lowest APR and 0% origination fee — Marcus and Discover offer 6.99% with 0% origination
Step 8: Submit your application — you will need: ID, proof of income (pay stubs or tax returns), proof of address
Step 9: Review the loan agreement — check APR, origination fee, monthly payment, repayment term, prepayment penalty
Step 10: Receive funds and shop — most lenders deposit within 1-3 days, LightStream offers same-day funding

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Today's Best Mortgage Rates

Updated November 1, 2026

Lender	Rate	APR	Fees	Best For	Action
Veterans United	5.500%	5.641%	$0	VA loan specialist	Check Rate
Navy Federal CU	5.500%	5.628%	$0	No PMI, military only	Check Rate
Better.com	5.625%	5.765%	$0	No lender fees	Check Rate
New American Funding	5.625%	5.780%	$1,095	FHA specialist, fast closing	Check Rate
Rocket Mortgage	5.750%	5.890%	$1,295	Best online experience	Check Rate
CrossCountry Mortgage	5.750%	5.895%	$1,500	Non-QM, complex files	Check Rate

Rates shown are illustrative. Actual rates vary by credit score, location, and loan details.

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Sarah Mitchell NMLS #1874256, CFP

Senior Mortgage Advisor & Editor-in-Chief

15+ years as a licensed mortgage advisor (NMLS #1874256) and CFP. Former senior underwriter at Rocket Mortgage. Featured in Forbes and Bankrate.

View all articles → LinkedIn

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Personal Loans for Furniture 2026: Top 10 Lenders Compared (Furnish Your Home)

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Top 10 Personal Loan Lenders for Furniture 2026: Side-by-Side Comparison

Best Lenders for Personal Loans for Furniture

Best Furniture Loan Lenders by Category 2026

Furniture Loan Costs by Room Type 2026

Get Matched with Top Lenders Instantly

Personal Loan vs Store Financing vs Other Furniture Options 2026

How to Get a Personal Loan for Furniture: Step-by-Step Guide

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Today's Best Mortgage Rates

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