Furniture Loan

Transform your house into a home with style. Get ₹7,000 to ₹1,00,000 instantly for all your furniture needs — comfort and elegance shouldn't wait.

Get a loan online!

Who is eligible to apply?

Indian residents

Residency

Aged 21 to 55 years

Age

With a regular income

Minimum in-hand salary

Benefits of a Furniture Loan from Kubiz

Instant Approval for Immediate Purchases

Found the perfect sofa set on sale? Need furniture urgently for a new home? Get approved in minutes and purchase immediately before stocks run out.

No Down Payment Required

Finance 100% of your furniture purchase without draining your savings. Keep your emergency fund intact while furnishing your dream home.

Flexible Loan Amounts for Any Budget

Whether you're buying a single bedroom set or furnishing an entire apartment, borrow exactly what you need — from ₹7,000 to ₹1,00,000.

100% Digital Application

Apply from the furniture showroom itself or from home. No branch visits, no physical paperwork, just quick approval through your smartphone.

Cover All Furniture Types

Living room sets, bedroom furniture, dining tables, modular kitchens, office furniture, mattresses, wardrobes, home décor — buy everything you need with one loan.

Easy EMIs That Fit Your Budget

Choose repayment tenure from 3 to 12 months. Enjoy your new furniture now while spreading the cost over comfortable monthly installments.

Transparent Pricing with Zero Hidden Charges

Interest rates starting from 1.5% per month with all fees displayed upfront. What you see is exactly what you pay — no surprises later.

Loan Calculator

Get your first online loan for a furniture of your dream in few minutes.

Loan amount

₹ 1,00,000

₹ 7,000

₹ 1,00,000

Loan term

7 months

3 months

6 months

Installment

Why You May Need a Furniture Loan

A house becomes a home when it’s filled with furniture that reflects your style, comfort, and personality. But quality furniture is a significant investment that often arrives when you’re least prepared financially — right after paying rent deposits, during home renovations, or when starting fresh in a new city.

Perhaps you’ve just moved into your first apartment after years of living in PG accommodations, and the empty rooms need everything from beds to dining tables. Maybe you’re newly married and setting up your home together, wanting quality furniture that lasts but facing budget constraints after wedding expenses. Your old furniture might have worn out after years of use, or you’re upgrading to create a more modern, comfortable living space for your growing family.

A furniture loan from Kubiz makes these transitions smooth and stress-free. Instead of compromising on cheap, low-quality furniture that breaks down quickly, you can invest in durable, stylish pieces that enhance your daily living experience. Quality furniture isn’t a luxury — it’s about your family’s comfort, proper back support while working from home, creating welcoming spaces for guests, and building a home environment that nurtures well-being.

Sometimes furniture needs are urgent and unexpected. Your teenager needs a proper study table and chair for board exam preparations. You’re setting up a home office because your company switched to remote work permanently. Elderly parents are moving in and need furniture modifications for safety and accessibility. Guests are arriving for an extended stay and you need additional bedroom furniture. These situations don’t wait for you to accumulate savings month after month.

Beyond basic necessities, furniture also defines your lifestyle. That beautiful modular kitchen you’ve been eyeing could transform your cooking experience. A comfortable recliner sofa set could make family movie nights memorable. A spacious wardrobe system could finally organize your cluttered bedroom. An ergonomic office chair could eliminate your chronic back pain. These improvements directly impact your quality of life.

FAQ

You can get a furniture loan ranging from ₹7,000 to ₹1,00,000 from Kubiz, depending on your monthly income and financial stability, credit score and repayment history, existing loan obligations and EMIs, and overall repayment capacity. Most salaried professionals qualify for ₹40,000 to ₹80,000, which is sufficient for furnishing a 2-3 BHK apartment with quality furniture. First-time borrowers typically start with lower amounts, but good repayment behavior unlocks higher limits for future purchases.

Yes! You can use your Kubiz loan to purchase related home essentials that make your house complete and functional. This includes home appliances like refrigerators, washing machines, air conditioners, and microwaves, electronics such as televisions, sound systems, and smart home devices, mattresses and bedding accessories, home décor items like curtains, lighting fixtures, and artwork, and modular kitchen fittings and storage solutions. Essentially, anything that furnishes and equips your home is covered.

Very quickly! Most Kubiz furniture loan applications are approved within minutes if your documentation is complete and clear. The entire process from application to money in your bank account typically takes less than a few hours, often within the same day. This lightning-fast approval means you can apply while you're at the furniture showroom selecting items, get approved before you finish shopping, and make the purchase immediately without having to return later. Perfect for grabbing sale discounts and festival offers before they expire.

No! Kubiz doesn't require furniture quotations, store invoices, or purchase bills upfront for loan approval. You don't need to finalize your furniture purchases before applying. Simply estimate how much you'll need and apply for that amount. Once the money is in your account, you have complete freedom to shop wherever you want, whether it's branded showrooms, local furniture markets, online platforms like Pepperfry or Urban Ladder, or custom-made furniture from carpenters.

Yes! Kubiz furniture loans are available for both homeowners and tenants living in rented properties. We understand that renters also need quality furniture for comfortable living, regardless of whether they own the property. You simply need to provide standard KYC documents, proof of regular income, and current address proof such as your rental agreement or utility bills.