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Apply With Nifty For Furniture Finance!

Furniture finance with bad credit? Apply with Nifty.

So, you’ve just moved out; brand new home into a brand new neighbourhood, but something seems to be missing. Oh, that’s right! You’re sitting on milk crates… Whoops. Look, we’ve all been there and there’s no shame in having a candle-lit dinner over a few boxes. Let’s be honest, though, even for extreme minimalists; it’s not something you’re going to want to stick with. So, If you’re stuck without furniture or just want to give your home a facelift, you’re in luck! Nifty comes to the rescue with furniture finance

We offer 100% online personal fast loans from $300 to $10,000 for just about anything. From furniture loans to loans for moving, we can do it all! Now, before we babble on about ourselves, let’s run through some great furniture tips!

furniture finance

Do you need good credit to finance furniture? 

Whether you’re in a house or an apartment; mansion or condo, you’re gonna want to work out a game plan when furnishing a space. Finding the right amount of furniture to fill a room without making it look too cluttered can be difficult. Like us, you may struggle to build a minimalistic space without sacrificing functionality. 

One solution to this problem is finding furniture that can also double as clever storage units. Think hidden containers under couch cushions, wall cabinets and in-built utilities. This way, you can hold onto your little nick nacks without the house looking cluttered! It’s also important to add a little ‘spice’ to your living spaces. Especially if this is the place you see yourself living long-term, you will want to distance it from the average ‘cookie-cutter’ home. This could mean some tasteful art pieces or dipping into the second-hand market, whatever you fancy, make it worth it. 

Now, finding these items can prove to be a task within itself, as most large retailers may not stock the options you’re looking for. The solution? Online shopping! You may not know it, but the largest shopping centre is sitting in your back pocket! Taking advantage of the internet when you’re looking for furniture will allow you to search for the best deals and widest array of furniture options. 

Our tip to make the most out of the experience? Use Google Shopping! This is a life-saving tool to make the best use of your time. Simply search what you’re looking for, be it a desk, couch or table; and you will see the results from websites all over the net! The best thing is, you can tailor your search to only include items within a specific price range. How simple is that?! Found something you’re interested in but lacking funds? Let Nifty help and apply for furniture finance today – good, bad and not-quite-sure credit histories are welcome!

Not too little, not too much

Have you ever heard of the phrase ‘never too much’? Yeah, well, that’s wrong. Anyone who has ever seen Hoarders knows that there is definitely a ‘too much’. Along this same vein, there is also a point where ‘too little’ becomes an issue. You don’t want your home feeling lifeless, do you? Sometimes it can be hard to strike the right balance between these two opposites. Our tip? Allow the space to speak for itself. 

Filling a room with furniture just because there is room for it isn’t the best of ideas. If you’re aiming for a minimalistic approach, try finding furniture that serves multiple purposes. Like, do you really need two side tables for the couch, or will a coffee table suffice? Along with this, aim to invest in quality pieces. These are things that will stand the test of time, even with daily use. This could mean splashing a little extra cash, but in the long run, it’ll be worth it. Need a little help with financing? Keep furniture loans with Nifty in mind when you feel the spark of design.

Building a meaningful space

When building a meaningful space, it is important that you inject a little bit of your personality. Aiming for a rustic look but worried about clutter? Too easy. Let statement pieces be your friend. We’re thinking exposed wood tables, wall gardens or rickety bookshelves. A large, dominating item can make all the difference. Don’t go crazy, though. You’ll want to limit these to one or two in a room. 

If you’re aiming for a rustic vibe, we have a tip for finding furniture and nicknacks with a ‘lived in’ look. Two words – Thrift shops. You would be amazed at the sort of items people decide to donate. Although likely not the best place for large items, you can definitely score a stool or two and maybe some tableware. 

With that all wrapped up, here are a few take-away cues you might want to stick to in order to avoid an over-cluttered home:

  1. Purposeful placement
  2. Multi-purpose pieces
  3. Maximised Storage
  4. Make it personal
  5. Invest in quality

At the end of the day, designing a living space and choosing the right furniture isn’t an exact art. You should put together a space that makes you feel at home. If that means a cat lamp in every room, go for it.

Why choose Nifty for furniture loans?

With all of this furniture talk, you may still have some questions as to who we are. Well, as you may have guessed, Nifty is an Australian lender offering loans 100% online! What does that mean? Well, for one, it means you can apply from anywhere at any time for furniture finance. As with everything on the internet, we are just two clicks away. Whether you’re using your phone or sitting on a laptop! you can apply anywhere or anytime! 

Apply for loans from $300 to $10,000 in a matter of minutes and, if received during regular business hours, our team will aim to provide an outcome in 60-minutes! That’s not even the best part. If you’re approved and have an NPP enabled bank account, you could receive the funds within mere seconds of signing the contract. Nifty, right?

Loan types for furniture finance

Before applying for furniture finance, it is important to understand our different loan types. At Nifty, we have three different loan categories; Small Loans, Medium Loans and Large Loans. Each comes with a different set of interest rates or fee structures. So, if you would like some insight into the cost and term of each type, have a quick look at our costs page. For greater reference, see below for a break down of the different loan types:

Small Personal LoansUnsecured$300 – $2,000
Medium Personal LoansCan be Secured$2,100 – $4,600
Large Personal LoansOften Secured$5,000 – 10,000

It is important to note the difference between unsecured and secured loans. If you’re looking to apply for furniture loans of $2,100 and above, you will need to provide an asset to be used as security against the loan. In most cases, this will be a car, truck or van; although, we can also accept motorbikes, boats and jet skis. If this isn’t something you can provide, feel free to apply for an unsecured loan. As the name suggests, you do not need to attach security when applying for this type of loan. 

Bad credit furniture finance

If you’re worried about applying because your credit score isn’t the greatest, Nifty is happy to say that we may still be able to help. Due to a realistic approach in our loan assessments, our team is still able to help if you have a credit score that is ‘below average’. “How?” You may ask? Well, we conduct the majority of our assessment based on an applicant’s bank statements. So, if you can display a positive relationship with your finances, you may still be eligible, even if your score has seen better days. 

We understand the needs of our client base, which is why we don’t think mistakes from years ago should automatically barre you from finance. With this being said, it should be noted that there is a lower limit that could stop you from getting a loan. Due to the complexity of credit scores and the difference between providers, it is difficult to know before applying whether your credit score will stop you. If you have a query, please feel free to contact our service if you’re looking to apply for furniture finance.

Have things ready for your furniture loan

Ready to apply? Looking to speed through your application for furniture loans? Well, we have compiled a list of the essential information you should have handy. Have a look below to see what you need!

  • Personal information (name, address etc.)
  • Contact information
  • Drivers License or I.D equivalent
  • Internet banking details
  • Employment info (if applicable)
  • MyGov details (if applicable)

And that’s it! Remember, if you submit your application within regular business hours, you could receive an outcome in 60-minutes! So, the faster your application is submitted, the fast we can help!

You get furniture!

You get furniture! You get furniture! Everyone gets furniture! Well… That’s the dream, at least. If you’ve made it this far and still haven’t submitted an application for furniture loans, what’re you doing? Scroll up to the top of the page to start your Nifty journey! 

If you have unanswered questions about our service, you can head to the FAQs page and see if the answer is waiting for you.Want more of Nifty Loans? Great! Follow us on Pinterest, Instagram, Twitter and also keep up to date with the latest personal finance and lifestyle trends via our blog.

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Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.