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Furniture loans: Who can help if I have bad credit?


Many Aussies are faced at some point of their life with having a bad credit report. Unfortunately a bad credit report can make it difficult to get finance for up to 5 years, especially from banks who prefer clean credit customers. This can be incredibly disappointing, especially when there is a genuine need for things such as furniture, bond loans and car loans. At Fair Go Finance, we understand that bad credit can happen to good people. That is why we offer bad credit loans that can be used for many personal reasons including furniture. Here are a number of scenarios where a bad credit furniture loan may be able to assist.

1. Getting a personal loan when relationships break down

When a couple separates, its inevitable that they will go their separate ways and need to set up again. Separating can often be financially crippling, so having extra cash to purchase replacement furniture is unlikely. Unfortunately getting divorced/separating is one of the most stressful times in a persons life and is often a time when a person’s credit report is negatively affected due to missed or late payments on joint debts. If a person does end up with bad credit, finding someone to provide a loan for furniture can prove difficult. At Fair Go Finance, we are able to offer bad credit furniture loans, up to $5,000.

2. Getting a personal loan when moving interstate

Aussies are becoming more and more comfortable with moving all over the country, whether it be for a new job, new relationship or just for a new start. The cost of transporting furniture can be expensive, so many Aussies sell what they have and plan to buy replacement furniture at their new destination. If their credit report is affected during this busy time, it potentially means they may be declined from banks and store finance providers when looking for furniture and white goods. As long as you meet our lending and employment guidelines such as being in stable employment (and not on probation) a Fair Go Finance furniture loan could be the answer.

3. Getting a personal loan if you have been bankrupt or have defaults and need new furniture

If you have ever been bankrupt or in a part 1X debt agreement, (as long as it was entered into over 12 months ago), Fair Go Finance can still consider you for a bad credit loan. We can also consider an online application from you if your bad credit is due to paid or unpaid defaults. We do have certain limits on number, size and age so if you do know what is listed on your credit report, the best thing you can do is contact us before you make an application, so we can confirm you meet our guidelines for a bad credit loan. If you don’t know what is on your credit report, we suggest you obtain a copy before you consider applying for a loan, so that you make sure you only apply to a lender who can assist with that level of bad debt.

So, how do I apply for a bad credit furniture loan?

At Fair Go Finance, all you need to do is complete our easy online application form, which, once submitted, will give you an immediate conditional decision.

Need more information about a personal loan with Fair Go Finance?

If you would like to know more about our personal loans, or have any questions regarding our bad credit furniture loans, you are most welcome to contact us. We’re here to help and hope we will be able to assist with any of your personal loan needs.

Need up to $10,000?

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Are you eligible to apply?

  • I’m 18 years or older
  • I’m employed (not self-employed)
  • I’m paid $500 or more a week into my bank account
  • My income is not solely from Centrelink
  • I’ve not entered into bankruptcy or part 9 agreement within the last 12 months


It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.