New Furniture Loans
- Award-winning service
- 100% online
- Fast applications1
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You can now check your eligibility,
with no impact on your Credit Score!
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Award-winning lender
What is a new furniture loan?
Whether you're moving into a new place or just need to spruce up the living areas of your home, you might be considering purchasing some new pieces of furniture.
Depending on what you're planning to buy, you could end up spending quite a bit of money, especially if you're planning to redo many different areas of your house.
If you find yourself in need of a financial boost to be able to kick your feet up on that new chaise lounge, consider applying for a Jacaranda Finance new furniture loan. You could receive up to $25,000!
Need a loan to pay for new appliances? Consider a White Goods Loan.
Am I eligible for a new furniture loan?
The basic eligibility criteria you must meet before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
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Fast response and quick service. Life savers
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Furniture loan details
Loan Amounts: | $2,100 to $25,000 |
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Loan Terms: | 9 months to 48 months |
Loan Type: | Secured and unsecured |
Rate type: | Fixed |
Repayment Options: | Weekly, fortnightly or monthly |
No Early Payout or Exit Fees: | Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable. |
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
How expensive is new furniture?
New furniture loans can be used for just about any piece of new furniture. Some of the most common pieces of furniture people buy include:
Prices from Fantastic Furniture and The Good Guys, accurate as at January 2023.
TVs
TVs can cost anywhere between $200 and $10,000.
Lounges
If you're looking at buying a new, mid-range lounge, you could be looking at spending around $3,000.
Office Furniture
Wanting to do up your WFH set-up? The cost for a new chair, desk and monitor is around $1,000.
Dining Sets
New dining sets average around $2,000.
Outdoor Setting
Depending on the size, an outdoor setting could cost anywhere between $500 and $2,500.
Bed Frames and Mattresses
If you're wanting to buy a new mattress and a new bed frame, you could be spending a combined $1,800.

Why you'll love dealing with Jacaranda
At Jacaranda, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast.
Here are some other reasons our customers love us:
- We've been providing finance to hardworking Australians for nearly 10 years. We've already helped over 50,000 customers and we have thousands of positive reviews.
- Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
- Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
- If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
- Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
- Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. Simply contact our customer service team.
Don't just take our word for it
We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query. We're open on Saturdays too!
Don't believe us? Check out what scores of happy previous Jacaranda customers have had to say below!

OVER 5,000 REVIEWS
Customer Testimonials On Trusted Platforms
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
What other home improvement loans can I apply for?
With fixed repayments and both secured and unsecured loan options, our customers can take out a Jacaranda Finance home improvement loan for some of the following reasons.
Remodelling your bathroom or kitchen
Thinking of upgrading your bathroom or kitchen? Get the financial boost you need to kickstart your project.
Installing solar
Looking to join the green revolution? Let Jacaranda lend a hand with the solar panel costs.
Home repairs
Whether it's cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you've been putting off.
Installing other green appliances
Want to boost your home's energy efficiency with a battery, a water tank or a new air conditioner? By using a Jacaranda personal loan to install them you could save thousands in the long run.
Upgrades
A fresh coat of paint, new insulation to keep you warm or replacing creaky doors can be a great way to improve your home and increase its value.
Landscaping
Looking to landscape your backyard? The grass is greener on your side with the help of Jacaranda.
Building a swimming pool
Looking to beat the heat with a swimming pool? Let us lend you a hand with the costs.
Home security
Need to ward off would-be thieves? A Jacaranda home security loan can lock in the funds for security cameras, safer doors, home alarm systems and much more!
New furniture loan FAQs
Find out the answers to some of our most frequently asked questions here about our furniture loans.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $25,000
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
Review our Privacy Policy for more information.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.
Here are some of the most common reasons our customers take out a loan:
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.