Getting a new washing machine can feel out of reach when you don’t have cash upfront or a strong credit score. But across South Africa, there are now more real, flexible ways to access essential home appliances—without high deposits, and in many cases, no credit checks. Let’s explore how you can find the right solution for your needs, budget, and lifestyle.
Why So Many South Africans Are Buying Washing Machines on Credit
Washing machines are no longer a luxury. For most households, they’re essential—saving time, water, and energy. But with inflation, many South Africans can’t afford to pay R3,000 or more in one go.
That’s why buy now, pay later (BNPL) options and washing machines on credit are becoming so popular. These services allow you to split your payments into manageable monthly amounts, and in some cases, avoid a credit check altogether.
This is especially useful if:
- You’ve recently started working and don’t have a credit history
- You’ve been blacklisted or are recovering from debt
- You need flexibility to manage your monthly expenses
Understanding the Types of Washing Machines Available
Before jumping into payment options, it helps to know which type of washing machine fits your space, usage and budget.
✅ Top Load Washers
- Affordable and easy to use
- Ideal for families or shared homes
- Prices: R3,000 – R7,000
✅ Front Load Washers
- More energy- and water-efficient
- Great for long-term savings
- Prices: R5,500 – R12,000
✅ Washer-Dryer Combos
- Space-saving and convenient
- Perfect for flats and smaller homes
- Prices: R9,000 – R18,000
Where to Buy Washing Machines on Credit in South Africa
You have several trustworthy options—online and in-store—offering flexible credit and instalment plans.
🛒 Game Stores
- Credit available via RCS cards
- Flexible terms from 6 to 24 months
- Promotions often include 0% deposit
🛍 Makro
- Offers lay-by plans (interest-free, pay over 3–6 months)
- Accepts Mobicred and RCS payments
- Ideal for brand-name washers like Samsung and Defy
📦 Takealot
- Offers PayFlex: 4 interest-free instalments
- Fast delivery and secure online checkout
- Best for compact or mid-range models
🏠 HomeChoice
- Tailored for customers with no credit check
- Easy online application and approval
- Caters to blacklisted customers or low-credit applicants
🔧 Hirsch’s
- Accepts FinYou, Mobicred, credit card plans
- In-store advice and nationwide delivery
- Sells energy-efficient, high-end brands
What if You’re Blacklisted or Have No Credit Score?
This is where alternative finance steps in.
Many retailers and platforms now offer solutions that:
- Don’t require a formal credit score
- Accept proof of income and identity only
- Work with part-time or informal workers
- Focus more on your ability to repay, not your credit past
Examples:
- HomeChoice: Clear credit terms, no credit check
- Ellerines and OK Furniture: In-store credit plans for all customers
- PayJustNow: Split your payments, interest-free, no credit check
How Much Will You Pay Monthly?
Here’s a breakdown to help you estimate your budget:
| Product Type | Price | Term | Estimated Monthly Payment |
|---|---|---|---|
| Top Load Washer | R3,500 | 6 months | R600 – R650 |
| Front Load Washer | R7,200 | 12 months | R700 – R750 |
| Washer-Dryer Combo | R12,000 | 18 months | R800 – R850 |
Estimates based on common retail credit offers. Rates vary by provider.
Things to Look for Before You Apply
When choosing a credit or instalment option, consider the following:
✅ Transparent Fees
Make sure you understand the total amount you’ll pay over time, including any admin fees or interest.
✅ Flexibility
Look for plans that allow early settlement without penalties, or give you options to skip a month if needed.
✅ Warranty & After-Sales Support
Always buy from retailers that offer at least 12-month warranties and technical assistance.
✅ Compare Multiple Offers
Don’t accept the first plan you see. Compare interest rates, repayment terms and hidden costs.
Recommended Brands Available with Flexible Payment
These brands are popular across South Africa and commonly included in credit plans:
- Defy – Reliable, affordable, and energy-efficient
- Samsung – High tech, durable, and water-saving
- LG – Smart features, especially in front-loaders
- Hisense – Value for money with modern design
- Whirlpool – Quiet and built to last
Online vs In-Store: What’s Better?
🖥 Online (Takealot, HomeChoice, Makro)
- Easier to apply and compare options
- 100% digital, fast approval
- Great for people with limited time or transport
🏪 In-Store (Game, Hirsch’s, OK Furniture)
- Get in-person advice
- Easier to negotiate terms or promotions
- Often have lay-by options (no credit check)
Summary: You Have Real Options—No Matter Your Credit History
If you need a new washing machine but can’t afford to pay upfront, you don’t have to wait. South African retailers now offer genuine, accessible solutions that let you:
- Spread the cost over time
- Apply without a deposit
- Get approved even with poor or no credit
Take the time to research your options, compare repayment plans, and find a solution that fits your household. A clean home should be within reach—without financial stress.
