Cookers: Pay Weekly, Pay Monthly & Bad Credit Options

Your cooker is likely one of, if not the most important appliance in your household. An electric oven, gas hob, or even an electric cooker is a necessity in your home if you want to be able to cook food for yourself and the other members of your household.

Unfortunately, these appliances can generally often not be purchased for cheap, but thankfully, you no longer need to gather up enough money to buy one outright if you can't afford it.

There are multiple options available to you if you wish to rent or pay for cookers later; this means you will still be able to provide yourself with a hot meal without needing to break the bank.

Below we will discuss the different stores that will allow you to pay using these methods.

Can I Pay Weekly For Cookers?

Some of the stores that allow you to pay weekly for cookers include Hughes Rental, Forbes Rentals, Pay Weekly World, HomeSmile, and Studio.

All of these stores will allow you to rent or pay for cookers in instalments so that you can easily afford one regardless of how much you earn on a weekly or monthly basis.

There are some caveats to this as well, though, as paying weekly for cookers or other appliances can often cost you far more in the long run. Missing a payment can also lead you to have to pay late fees that can run up the costs even further.

Can I Pay Monthly For Cookers?

If you would prefer to pay for a cooker on a monthly basis instead of weekly, there are still a few options available to you as well, so you don't need to fret all that much.

If you would like to pay monthly to own the cooker that you are paying for eventually, then Appliances Direct is a great place to start, as they offer a wide range of evenly distributed heat gas cookers, a selection of electric ovens, freestanding cookers, double ovens with an energy rating and offers cooking space, large capacity and more.

However, the same caveats apply to paying monthly for appliances like cookers, as if you do not pay on time, or if the payment bounces, you will need to pay late fees, which can run your costs up.

You will also incur interest, although that applies to paying for nearly anything on an instalment basis.

Can I Buy A Cooker Now And Pay Later?

Yes, there are multiple different buy now, pay later options available to nearly all consumers. This can be great if you are in need of an appliance and can't afford to buy it outright at the time.

It will, however, be a good idea to pay what you owe within the stipulated time limit, as interest on buy now pay later deals can be exceptionally exorbitant.

Are There No Credit Check Options Available?

Yes, many buy now pay later schemes do offer no credit check options, but some will do a soft credit check that won't show up on your credit report.

This means that if your credit is not the best, then you will still be able to apply and likely receive the appliance that you are looking for without any hassle.

What If I Have Bad Credit?

While having bad credit will definitely limit the options available to you, there are still some companies that offer purchasing options to those who have bad credit.

Paying an item off is also a great way to improve your credit score if you currently have a poor one.

Are Rent-To-Own Options Available?

There are many different rent-to-own options out there; however, buyers should be wary, as you can often end up paying significantly more for a product by going this route.

Can I Apply For Finance?

You should be able to apply for finance so long as you meet the criteria that are specific to that company. This will usually mean being over 18, being a UK resident for a certain number of years, and providing proof that you can afford the monthly or weekly repayments.

Stores To Buy Cookers On Credit?

Hughes Rental

Who they Are?

Hughes is a family-run electronics store and online retailer that was originally founded by Frank Hughes way back in 1921.

The company started out by rewinding electrical motors but became a shop that sold and built radios before becoming the store and online retailer that it is known as today.

It is still run by the Hughes family, as Robert and Jeremy Hughes are the third generations to be at the helm of the store.

What Do They Sell?

Hughes Rental sells appliances like electric range cookers, tumble dryers, dishwashers, fridges, and microwaves. The company also sells TVs, video game consoles, computers, and even vacuum cleaners.

If there is an electrical item you are looking for, you are likely to find it at Hughes Rental.

What Is the APR rate?

Hughes Rental does not have an APR rate, as you can only rent products and will not be able to rent-to-own any products.

How to order?

You can choose the type of cooker you want, whether it is an electric oven, gas hob, or even double oven, and then add it to your cart. You will then need to have your credit approved, and the product will be delivered to you, provided you are eligible for credit.

How To Obtain Credit?

You will need to meet the criteria of being over the age of 18, and you will be subjected to a credit check. If you meet these requirements, you will be able to have your product delivered.

What are the Payment terms?

The minimum period for hire is 12 months with Hughes Rental.

Forbes Rentals

Who they are?

Forbes Rentals is an electronics store and online retailer specialising in appliances and TVs based in Surrey.

What do they Sell?

Forbes Rentals specialises in appliances like gas, freestanding, electric range, and all other cookers.

You can also purchase TVs, laundry appliances, fridges, freezers, vacuums, and even mobility scooters.

What is the APR Rate?

Forbes Rentals does not offer rent-to-own services, so there will not be any extra interest that you will need to pay. The electrical item will, unfortunately, never belong to you.

How to order?

To order from Forbes Rental, you only need to choose the product you wish to rent and apply online. After this, the support team will call you back, and you can schedule delivery to receive your new product.

How to obtain credit?

You apply with Forbes Rental online and will be called back if any further information is needed. After this, your credit will be checked, and you should be contacted to be informed of how your application is going.

What are the Payment terms?

If you apply for a rental product from Forbes Rental, the contract for refurbished items will last for 12 months or 18 months for brand new items. You can also apply for short-term rental with the sales team.

Appliances Direct

Who they Are?

Appliances Direct was acquired by founder Nick Glynne back in 2008 and has grown exponentially ever since then. The company has over 600 employees and 50 delivery vans.

The company currently has warehouses in Huddersfield, Elland, and East Midlands.

What do they sell?

You can buy anything from an induction hob to a smartphone from Appliances Direct, as they stock cookers, fridges, freezers, TVs, audio equipment, air conditioning units, laundry appliances, smartphones, cleaning appliances, and gardening equipment, and bathroom fittings.

What is the APR Rate?

Appliances Direct has an APR rate of 21.9%, which is through PayPal. You will be eligible to pay this interest after the promotional period as well. You can also use PayPal in 3, which allows you to pay interest-free for products in 3 instalments over three months.

How to order?

You need only apply online for the item that you want from Appliances Direct, apply for credit, or pay for it with a Visa, MasterCard, Switch, Delta, Maestro, or Solo credit or debit card.

After this, you can either collect the product from one of the Appliances Direct stores or have it delivered to your home or work address.

How to obtain Credit?

To apply for PayPal credit, you need to add a product to your cart valued at over £99 to your basket; you then need to select PayPal Credit at checkout and finally complete the application via PayPal. You will then instantly be able to know whether you have received credit or not.

What are the payment terms?

PayPal Credit works like a normal credit card, and therefore, the payment terms will be very similar. On the other hand, if you decide to use PayPal in 3, you will need to pay for the item in 3 interest-free instalments.

Your first payment will be made on purchase, and the other two over the next 60 days.

Pay Weekly World

Who they are?

Pay Weekly World is an online retailer that offers customers the opportunity to pay products off on a weekly, bi-weekly, or even monthly basis, depending on your preference.

The company even offers free delivery, and you can pay an extra fee to have your products installed or connected.

What do they sell?

Pay Weekly World offers a wide range of products, as you can purchase TVs, TV accessories, laundry appliances, cookers, fridges, freezers, dishwashers, vacuum cleaners, furniture like beds and sofas, computers, and even gardening equipment.

What is the APR rate?

Pay Weekly World has a rather high APR rate, as it is 63.4%, which is quite a lot higher than some other companies. This is due to the fact that the company does not apply any hard credit checks.

How to order?

If you want to order one of the many cookers available on Pay Weekly World, you need to browse the store to find the cooker that you want. You can then click on the apply now button to apply for credit.

Your request will then be processed, and you will know the outcome of your credit request soon.

How to obtain credit?

To obtain credit from Pay Weekly World, you need to first check if you are within the company's coverage area by entering your postcode.

You will then need to enter some other details, after which Pay Weekly World will contact you to arrange a time for which you can complete the application process.

This should only take 3 to 4 minutes to finish, and your name must be on a mortgage or tenancy agreement if you can no longer make payments.

If you have declared bankruptcy, have an IVA, or a DRO, you will not be able to receive credit. If you just have bad credit, you should still be able to receive credit, as Pay Weekly World only conducts a soft credit check.


Who they are?

HomeSmile is an online retailer that specialises in hire purchase services. This allows customers to rent to own products, as when your payment term is over, you will then be the owner of the product and be able to do what you wish with it.

What do they sell?

HomeSmile sells washing machines, cookers, fridges, freezers, dishwashers, dryers, vacuums, microwaves, laptops, tablets, furniture, audio equipment, TVs, and even gaming consoles.

If you are in need of an electronic appliance, Homesmile will likely have it in stock.

What is the APR rate?

HomeSmile does not have a fixed APR rate, as this will depend on the repayment period that you have chosen. It can range from 315.2% to 72.4%.

How to order?

To order from HomeSmile, you need to choose a product you want and fill in the online application form, which will take around 48 hours to process.

A member of the HomeSmile team will then visit your property and complete a home survey and affordability assessment. If you have met all these criteria, then you will receive your product/s

How to obtain credit?

You will obtain credit once you have completed an application and met all of the relevant criteria.

What are the payment terms?

The terms of payment can vary depending on your preference. You can choose to pay over 25, 52, 76, 102, and 147 weeks when you apply for credit.