Furnishing Loan: Request a Quote!

Do you want to buy the furniture for your home? You can finally stop choosing used and make your apartment new! Choose everything you like without worries. Good Finance is here to help you complete the action in complete tranquility.

Rely on our company that has been operating in this sector throughout Italy for over ten years, always available to every customer. Request a home furnishing loan quote now and get the liquidity you need. Within 24 hours one of our experts will be at your complete disposal. Reliability and solutions at your fingertips!

Furnishing Loan: What is it?

The furnishing personal loan is used to obtain useful liquidity to housing, such as to furnish some or all of the house. There are two ways to request a furniture loan, or through personal financing , where liquidity will be credited directly to the current account, with the installments provided for in the contract, or through the finalized loan where the retailer establishes an agreement with a credit institution and the applicant must activate the loan which is bound to the purchase of the asset.

The sum is given directly to the seller and the buyer reimburses the loan. The maximum liquidity that can be requested is € 30000 and can be extended with a repayment plan of up to 120 months . This duration allows you to request large amounts, while keeping the rate low. If you want to request a free quote without obligation, fill in the following form: Click here and entrust our experts!

Furnishing Loan: Who Can Request It?


The personal furnishing loan is accessible by everyone as long as it has a clean credit record. In order to get the funding must not result in any database as CRIF, Experian or Ctc and considering that banks have the ability to access and consult the Central Bank of the risks of Italy, there is no way out.

All people with reports due for example to payment delays will be entered in the database, it will be impossible to access the loan even for protested . Therefore they can request funding for employees, pensioners and the self-employed aged between 18 and 75 at the end of the loan, so the credit is reserved for those who have the ability to repay the debt with a demonstrable income .

Furnishing Loan: Why is the request rejected?

Furnishing Loan: Why is the request rejected?

A credit institution rejects your personal loan application if you are registered in any database, this would therefore mean being a bad payer. This happens in case of reports or protests. Therefore the loan can be rejected for having paid the installments of a loan late or not having actually paid them, for having applied for a loan too recently and perhaps with a negative outcome, to have many monthly commitments that lead to having a high debt or for have signed as guarantor for a loan in which the applicant pays badly the installments.

It is advised not to continue to make other personal loan applications after the first refusal, as the report remains in the database for 30 days , therefore it is necessary to wait for the time necessary for the cancellation, otherwise the second request will be automatically rejected and will increase the time of the name in the database.

The protests instead result when a person has had problems with bills or checks , always for the delay or non-payment of the installments of the latter.

Loans for young people without work: is it possible to access funding?

There are many young people who cannot find a stable job and therefore need more liquidity to be able to carry out their projects and dreams. In recent years, both banks and financial institutions have come to terms with this category of users in order to guarantee even young people without work and income the possibility of accessing finance despite the absence of a pay slip that testifies, therefore, the presence of a salary .

There are those who propose as a viable road that of the bill without guarantees . The recipients of this form of loan are young people, housewives, the unemployed, the self-employed, income earners. Since there is no pay slip and very often even the guarantees are small, we talk about small loans. A larger loan would require a stronger guarantee.

The guarantees required

A young person without a job and therefore without a pay slip must be able to assure the credit institution, which provides a loan, its repayment capacity. Only in this way the loan will be granted without problems and difficulties. As alternative guarantees it is possible to propose mortgages or foreclosures on immovable or movable assets, such as: house, boat, money on current account, securities and so on. However, this last option is not so widespread especially among young people without work. Such a guarantee would cost more than the benefits you would get from applying for and obtaining a loan .

The most beaten path is that of personal guarantees, namely that of the surety bond . Very often the guarantor of a young person is his or her parent who will be responsible for reimbursing the credit provided by the bank in the event of insolvency on the part of the child.

The guarantor is the person who comes into play when the principal debtor has difficulty in repaying the capital that has been lent to him by a bank or a finance company. This is an important guarantee for the credit institution that provides the loan. The guarantor is considered, in fact, a “solid” party with the beneficiary of the capital.

In the event of insolvency

In the event of insolvency

The bank can contact the guarantor to obtain a repayment of the loaned capital. In turn, the guarantor can claim against the principal debtor.

Among other forms of guarantee in the case of loans granted to young people without a pay slip and an income there are certainly insurance. The life insurance policy allows the credit institution to get the money back in the event of sudden death or permanent disability of the beneficiary of the loan. However, insurance policies are not intended as real guarantees but as clauses that are inserted when the loan agreement is stipulated.

The loans of honor

Loans without payroll for young people have recently been one of the most common types of financing when there is no work relationship. Among the most popular options there is undoubtedly that of honor loans , loans for university students , which are characterized by an important strength: the postponement of the capital repayment plan.

The amortization plan begins only at the end of the course of study or in any case in a period subsequent to that envisaged in the case of repayment of traditional loans.

The purpose of this form of financing is to reach out to young people so that they can obtain liquidity to complete their studies and repay the debt when they have found a job. Another type of loan suitable for young people without work and income is the one that requires the presence of a parent alongside the main debtor. There are several boys who may have needed credit even though they have no job. With the presence of a parent, as a guarantor, there will be no difficulty in obtaining a loan from the credit institution.