Can I get one loan for furniture and appliances together?

Yes, absolutely. That's one of the primary benefits of using a personal loan for this purpose. Because the loan is unsecured and the funds are sent directly to your bank account, you have complete freedom to spend the money on whatever you need. You can buy a washer and dryer from a big-box store, a sofa from a local furniture boutique, and kitchen appliances from an online retailer, all using the funds from a single loan.

What's better for financing a washer and dryer: a personal loan or store financing?

While store financing can seem convenient, a personal loan often provides more transparency and flexibility. Many store offers are 'deferred interest' promotions, which can be risky if you don't pay off the balance in time. A personal loan has a fixed APR and a clear repayment schedule from the start, so there are no surprises. It also doesn't tie you to one store, and a fixed installment loan can be better for your credit score in the long run than opening another retail credit card.

How much can I borrow for a kitchen appliance package?

Loan amounts for this purpose typically range from $4,000 to $15,000, which is usually sufficient to cover a full kitchen appliance package (refrigerator, oven, microwave, dishwasher) and other items. The exact amount you can borrow depends on your creditworthiness, income, and existing debt. When you check your rate, you'll be able to see the loan amounts you pre-qualify for.

How quickly can I get funds for my new refrigerator and furniture?

The process is designed to be fast. After you select a loan offer and complete the final verification with the lender, funds are often deposited into your bank account via direct deposit. In many cases, this can happen as quickly as the next business day. This speed allows you to take advantage of sales or replace a broken essential appliance, like a refrigerator, without a long wait.

Does checking my rate for an appliance loan affect my credit score?

No. The initial process of checking your rate uses a 'soft' credit inquiry. This type of inquiry allows lenders to review your credit profile to determine what rates and terms you may qualify for, but it does not impact your credit score. A 'hard' credit inquiry, which can temporarily lower your score by a few points, is only performed if you choose to proceed with a loan offer and complete the full application.

Can I include installation and delivery fees in my loan amount?

Yes. When calculating how much you need to borrow, you should include all associated costs. This includes the price of the items themselves, plus sales tax, delivery charges, installation fees, and even the cost of hauling away your old appliances. A personal loan provides the flexibility to cover this total cost, ensuring you don't have unexpected out-of-pocket expenses.

Appliance and Furniture Loans

Finance a new washer dryer set, kitchen appliances, and furniture with one simple, fixed-rate personal loan.

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That dream home upgrade adds up fast, doesn't it?

The total for a new refrigerator, washer, dryer, and sofa is more than you want to put on a credit card.
A personal loan lets you finance a large, one-time purchase with a predictable monthly payment.
Store financing often comes with confusing 'no interest if paid in full' terms that can become debt traps.
Our loans have a simple, fixed interest rate. You'll know your total cost and payment schedule from day one.
You want to buy appliances from one store and furniture from another, but don't want multiple credit applications.
Get cash deposited to your account, giving you the freedom to shop anywhere you want with a single loan.
Juggling separate payments for the washer, the dishwasher, and the couch is a hassle.
Consolidate all your purchases into one loan and one easy-to-manage monthly payment.

One Loan for Your Entire Home Upgrade

Whether you're moving into a new home, undergoing a major renovation, or simply replacing outdated items, financing appliances and furniture together presents a unique challenge. The cost of a quality washer dryer set, a modern refrigerator, and a new sofa can easily run into thousands of dollars. An appliance and furniture loan—a type of unsecured personal loan—is designed for this exact scenario. It provides you with a lump sum of cash that you can use to purchase everything on your list, from any retailer.

This approach simplifies the entire process. Instead of managing multiple store credit cards or financing plans, each with its own interest rate and due date, you have one straightforward loan with a fixed interest rate and a consistent monthly payment. This makes budgeting easier and gives you the purchasing power to get the items you need to make your house a home, without draining your savings.

Finance Your New Appliances in 3 Steps

1
Check Your Rate
Fill out our simple online form in about two minutes. This initial check won't affect your credit score.
2
Review Your Offers
If you qualify, you'll see loan options from our network of lenders. Compare APRs and terms to find the best fit.
3
Get Funded and Shop
Once approved, funds are typically deposited directly into your bank account, often as soon as the next business day.

See Your Loan Options Now

It takes just a few minutes and won't affect your credit score.

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How Much Does it Cost to Furnish and Equip a Home?

The total cost can vary dramatically based on brand, size, and features. A full kitchen appliance package alone can range from $3,000 for basic models to over $10,000 for high-end options. When you add in a new laundry pair and furniture for a living room or bedroom, the total can quickly reach an amount that's difficult to pay for out-of-pocket. Understanding a potential budget helps you see how a loan can make the expense manageable.

Example: Financing a $7,500 Home Furnishing Project

Mid-Range Washer & Dryer Set Average Cost	$1,800
French Door Refrigerator Average Cost	$2,200
Living Room Sofa & Chairs Average Cost	$2,500
Quiet-Operation Dishwasher Average Cost	$1,000

Estimated monthly

$175/mo

Payment example for a 5-year loan with a 14% APR. Your actual rate and payment will vary.

Breaking a large $7,500 expense into smaller monthly payments of around $175 can make an immediate home upgrade feasible. A personal loan allows you to lock in today's prices and start enjoying your new appliances and furniture right away, rather than saving for months or years while prices potentially rise.

Loan amount: $4,000 – $15,000
APR: 8.99% – 35.99%
Term: 24 mo – 60 mo

Your actual APR depends on credit score, loan amount, term, and credit usage and history. Not all applicants will qualify.

Personal Loans vs. Other Financing Options

When you're at the checkout, the offer for store financing can be tempting. However, it's crucial to compare the long-term costs and flexibility. Retail credit cards often feature deferred interest, where if you don't pay off the entire balance within a promotional period, you're hit with all the interest that accrued from day one. Rent-to-own services are another alternative, but they typically come with an extremely high effective interest rate and you don't own the items until the final payment. A personal loan offers a clear, transparent alternative.

Financing Options for Appliances and Furniture

Feature	Personal Loan	Store Credit Card	Rent-to-Own
Interest Rate	Fixed, predictable APR	Often high, may have deferred interest	Extremely high effective APR
Shopping Flexibility	Buy from any store, online or in-person	Limited to one specific retailer	Limited to items from their inventory
Ownership	You own the items immediately	You own the items immediately	Only after all payments are made
Payment Structure	One fixed monthly payment	Variable minimum payment	Weekly or bi-weekly payments

Ready to Upgrade Your Home?

Find out what you qualify for in minutes. Get a single, manageable payment for all your new furniture and appliances.

Find Out What You Qualify For

What Lenders Look For

Credit Score: Most lenders prefer a fair to good credit score (typically 620+). A higher score often leads to better interest rates.
Stable Income: You'll need to show proof of a steady source of income to demonstrate you can afford the monthly payments.
Debt-to-Income Ratio (DTI): Lenders check that your existing monthly debt payments aren't too high relative to your income, usually preferring a DTI below 40%.
Credit History: A positive history of on-time payments on other loans or credit cards can strengthen your application.

If your credit profile is on the borderline, consider checking your credit report for errors or paying down existing credit card balances before applying to potentially improve your DTI ratio.

Smart Shopping: Tips for Your Appliance & Furniture Loan

Using a loan empowers your shopping, but it's still important to be a savvy consumer. Here are a few tips to make the most of your financing:

Budget for the 'Extras': Remember to factor in potential costs for delivery, installation, removal of old appliances, and extended warranties. You can include these in your loan amount.
Shop During Sales Events: Major holidays like Presidents' Day, Memorial Day, and Black Friday often have the best deals on appliances and furniture. Securing your loan ahead of time lets you shop these sales with cash in hand.
Measure Your Space Carefully: There's nothing worse than a new refrigerator that won't fit through the door. Double-check all dimensions before making a purchase.
Borrow Only What You Need: Just because you are approved for a certain amount doesn't mean you have to take it all. Create a detailed shopping list and borrow only what's necessary to avoid unnecessary debt.

Get Your Personalized Rate

Checking your rate is free and won't impact your credit score.

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Appliance and Furniture Loan FAQs

Can I get one loan for furniture and appliances together?
Yes, absolutely. That's one of the primary benefits of using a personal loan for this purpose. Because the loan is unsecured and the funds are sent directly to your bank account, you have complete freedom to spend the money on whatever you need. You can buy a washer and dryer from a big-box store, a sofa from a local furniture boutique, and kitchen appliances from an online retailer, all using the funds from a single loan.
What's better for financing a washer and dryer: a personal loan or store financing?
While store financing can seem convenient, a personal loan often provides more transparency and flexibility. Many store offers are 'deferred interest' promotions, which can be risky if you don't pay off the balance in time. A personal loan has a fixed APR and a clear repayment schedule from the start, so there are no surprises. It also doesn't tie you to one store, and a fixed installment loan can be better for your credit score in the long run than opening another retail credit card.
How much can I borrow for a kitchen appliance package?
Loan amounts for this purpose typically range from $4,000 to $15,000, which is usually sufficient to cover a full kitchen appliance package (refrigerator, oven, microwave, dishwasher) and other items. The exact amount you can borrow depends on your creditworthiness, income, and existing debt. When you check your rate, you'll be able to see the loan amounts you pre-qualify for.
How quickly can I get funds for my new refrigerator and furniture?
The process is designed to be fast. After you select a loan offer and complete the final verification with the lender, funds are often deposited into your bank account via direct deposit. In many cases, this can happen as quickly as the next business day. This speed allows you to take advantage of sales or replace a broken essential appliance, like a refrigerator, without a long wait.
Does checking my rate for an appliance loan affect my credit score?
No. The initial process of checking your rate uses a 'soft' credit inquiry. This type of inquiry allows lenders to review your credit profile to determine what rates and terms you may qualify for, but it does not impact your credit score. A 'hard' credit inquiry, which can temporarily lower your score by a few points, is only performed if you choose to proceed with a loan offer and complete the full application.
Can I include installation and delivery fees in my loan amount?
Yes. When calculating how much you need to borrow, you should include all associated costs. This includes the price of the items themselves, plus sales tax, delivery charges, installation fees, and even the cost of hauling away your old appliances. A personal loan provides the flexibility to cover this total cost, ensuring you don't have unexpected out-of-pocket expenses.

Get started on your home upgrade

Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.