If you need a new appliance but don’t want to pay everything upfront, you can now buy washing machine on credit from trusted UK retailers. It’s a smart way to spread the cost over manageable instalments, while still enjoying the convenience of a new washer delivered directly to your home.
Why Buy Washing Machine on Credit?
Modern washing machines are essential household items, but they can be a costly upfront expense. Buying on credit allows you to access high-quality appliances without disrupting your monthly budget. Whether your old washer has broken down or you’re upgrading to a more energy-efficient model, spreading the payments makes the investment far more affordable.
Major UK retailers like Currys, AO.com, Argos, and Very offer flexible finance plans with low or even 0% interest, making the washing machine credit option both accessible and economical.
Washer Buy Now Pay Later: How It Works
The washer buy now pay later model allows you to defer payment for a set period — often 6, 9 or 12 months — and begin paying later, interest-free if paid in full within the deferral window.
For example:
- AO.com: Offers Klarna and PayPal Credit with 0% interest if paid within 12 months
- Currys: Flexible credit with Your Plan by Creation Finance
- Argos: Offers the Argos Card with up to 12 months buy now pay later options
- Very.co.uk: Offers Take 3 (split into three monthly payments) or BNPL plans with clear terms
This gives you time to manage your budget or wait for a bonus or tax refund while still getting your appliance immediately.
Can You Get Washing Machines on Finance with Bad Credit?
If your credit history isn’t perfect, don’t worry — washing machines on finance bad credit options are available through select lenders and catalogues. These include:
- BrightHouse (now part of Perch Group): Previously known for bad credit financing, now offers guidance and alternate routes
- Fair for You: A social lender working with families on low income, offering household appliances with weekly payments
- Pay Weekly Store: Offers washers and other appliances without credit checks, with weekly or monthly payment plans
- Hughes Rental: Offers washer rentals with ownership options, no credit check required
Though these options may involve higher interest rates, they provide essential access for those who need a reliable washer urgently but may not qualify for traditional credit.
What to Consider Before Choosing Buy Now Pay Later for Washers
Choosing the washer buy now pay later route is convenient, but it’s important to understand the terms. Here’s what to keep in mind:
- Interest rates: Some plans are 0%, but only if repaid within the interest-free period. Missing that window can result in backdated interest.
- Payment schedules: Ensure you can meet the repayment terms — weekly, bi-weekly or monthly.
- Total cost: The price over time can be significantly higher with interest-bearing plans.
- Hidden fees: Some providers charge early repayment, account, or setup fees.
- Credit impact: Though some providers don’t perform full credit checks, missing payments can still affect your credit score.
Always read the terms and conditions before signing up for any finance plan.
Best Retailers to Buy Washing Machine on Credit in the UK
Here are some trusted UK retailers offering various credit and finance plans:
| Retailer | Finance Option | Details |
|---|---|---|
| AO.com | Klarna, PayPal Credit | 0% for 6–12 months, instant online decision |
| Currys | Your Plan by Creation Finance | Spread costs over 12–36 months, manage payments online |
| Argos | Argos Card | Buy now pay later up to 12 months, interest-free if paid on time |
| Very | Take 3 / BNPL | 3 monthly instalments or longer plans with interest |
| Appliances Direct | Klarna, PayPal, Snap Finance | Options available for bad credit applicants |
| Hughes | Rental or credit purchase | No deposit, instant delivery available |
Popular Washer Models Available on Credit
Here are some top-selling washing machines that you can buy now and pay later:
- Samsung Series 5 EcoBubble 9kg – From £479. Pay in 3 via Klarna or interest-free in 12 months
- Hotpoint NSWM 843C 8kg – From £329. Monthly payments as low as £28 with AO Finance
- Beko WTK82041W 8kg – Entry-level model from £249. BNPL options at Argos and Very
- Bosch WAN28282GB 8kg – Premium model from £479. Available via PayPal Credit or Your Plan
These machines come with energy-saving features, delay timers, child locks, and more — and they’re all available through online finance plans.
Washer Buy Now Pay Later for Students and Renters
Students, renters, and first-time buyers often face budget constraints. Some buy now pay later services cater specifically to this demographic:
- Klarna and Clearpay allow spreading payments without upfront credit checks
- Rental stores offer temporary washer use with maintenance included
- Catalogue retailers like Very or Studio often approve low initial limits, ideal for first-time credit users
These services can be a great starting point to build credit while managing household expenses.
Step-by-Step: How to Apply for Washing Machine Credit
- Choose your retailer – Visit sites like AO.com, Currys, or Argos.
- Select your washer – Add the appliance to your basket.
- Pick your finance option – Choose between Klarna, PayPal Credit, or store credit.
- Fill in your details – Provide basic info like address, income, and payment method.
- Wait for approval – Most approvals are instant or within a few minutes.
- Schedule delivery – Often available next-day or within a few days.
Some retailers allow you to pre-qualify before applying, so you can check your eligibility without affecting your credit score.
Summary
Choosing to buy washing machine on credit is a practical, flexible option for many UK households. Whether you’re looking for a premium model or something budget-friendly, there’s a finance plan to fit your needs. With options available for customers with poor credit, and buy now pay later flexibility, there’s no reason to delay replacing or upgrading your appliance. Just be sure to read the fine print and budget wisely.