<prompt> Human: So Im going to be moving into an apartment in about one to two months. I was looking at maybe taking out a personal loan with a fixed rate for some furniture and such, instead of putting it on a credit card. I was hoping for a small one maybe 2k tops. I have 4k put away for my deposit of course, but Id like to keep my emergency fund intact and still be able to buy some items for the apartment. Credit in the 715-730 range depending on which score, and only 215.00 in total debt between a PNC cash builder card and a Guitar Center card. 1. Any specific lenders I should consult?2. Is this more feasible than just lumping my home items onto a cc?3. Has anyone done this and can you offer insight?Thank you kindly.  <response>: I wouldnt borrow money to buy furniture. Full stop. Shop around on Craigslist, search in thrift stores, ask friends and family for leftovers, and go shopping at IKEA if all else fails. There is almost nothing that you need as furniture, and its almost always better to buy one piece at a time anyway, so that you have a good feel for your space. 