Washing Machines: Pay Weekly, Pay Monthly & Bad Credit Options

There are a lot of things we can do without that are standing around in our households and are barely ever used. But for most UK homes, the washing machine does not belong to those items.

Especially if you are a household with small children, you will find that having a washing machine at hand for a full load of a thorough wash and stain removal from playtime in the park saves time, money and whole lotta nerves.

But buying a brand new washing machine or tumble dryer is expensive, and many of them only last for a few years at best. There is also no point in buying used washing machines as their energy efficiency, spin speed or wash load capacity is most likely incredibly low, and thus, the energy costs will spike up the energy bills for your household.

So what to do with that big laundry pile for laundry day but no quick wash option around?

Renting a washing machine might be worth considering in this case and might have a lot of perks, such as getting the best washing machine with a high energy rating, including delivery, repairs and other great value options.

While renting might end up being slightly more expensive in the long run, the many perks you might gain with it are priceless.

This article gives you a buying guide on what to look out for when renting a washing machine and which shops and best deals are available. So that you can say goodbye to stubborn stains thanks to your new washing machine with a high energy rating, quick wash option, and ample programmes to make you look forward to the next laundry day!

Can I Pay Weekly for a Washing Machine?

Yes, there are a lot of shops in the UK where you can choose integrated washing machines, tumble dryers, and more to pay every week for. And you can even set the exact rate that you would like to pay.

Can I Pay Monthly for a Washing Machine?

Yes, just as you can pay weekly for washing machines, you can choose to pay monthly for a washing machine of your choice at selected stores in the UK.

 

Can I Buy a Washing Machine Now and Pay Later?

Buy now and pay later is a great option for large appliances such as fridges and washing machines. It allows you to get your appliances now and not have to pay until either six or twelve months later. You are likely not even required to pay a deposit, but that is dependent on the company and what purchasing policies they use.

Are There No Credit Check Options Available?

No Credit Check options for washing machines are another good way of financing your home appliances by paying for them in two ways:

  • weekly before actually getting the washing machine

  • weekly after getting the washing machine

You do not need to have good borrowing/ credit credentials to choose this payment method, and therefore, this is a popular way for many people to get their hands on good-quality home appliances.

Again, this is obviously up to each company's own policies.

What If I Have Bad Credit?

There are some businesses out there which will offer you flexible or set payment plans in case you do not have the credit or bad credit. If you have such a payment plan contract with a business and you manage to stick to the set payment instalments, you are likely to improve your credit through this.

Are Rent-To-Own Options Available?

As the markup or interest is usually relatively high on appliances that are sold as an RTO (rent-to-own) option, you might want to reconsider if you are looking for an affordable way to own high-quality appliances. In a way, this option is very similar to purchasing an appliance based on having good credit.

Can I Apply for Finance?

To apply for financing, you will first have to research the terms and conditions a business will offer you for them to provide you with the means to eventually own one of their appliances.

Such terms and conditions vary from company to company, but some basics, for instance, would be to be of legal age (18), proof of having enough financial means to be able to repay the company what you owe, and being a UK resident for at least a certain amount of time with a legal and registered address to your name.

Stores to Buy Washing Machines On Credit 

Hughes Rental

Who Are They?

Hughes is a rental retailer with stores across the UK that allows customers to own entertainment appliances as well as other household utilities for small weekly rental charges.

On top of having the newest technology available to their customers, Huges Rental offers free repairs and exchanges for broken appliances and the option to upgrade your washer dryers with better energy efficiency as soon as they are out on the market.

What do they sell?

Hughes has a broad range of home appliances from washing machines to dryers, as well as fridges and electric cookers. On top of that, you will be able to rent other electric utilities such as TVs and consoles or computers as well as vacuum cleaners from this retailer.

What is the APR rate?

Hughes offers interest rate-free rentals based on a fixed number of weekly payments; therefore, there is no APR rate involved.

How to order

Either contact a customer advisor or search online on their website for the washing machine which is best equipped for your needs and suits your budget, select it and order it as a pick-up or delivery (free of charge) option and get the washing machine of your dreams at the day that suits you best. Huges Rental offers free installation services on top of that as well.

How to obtain credit

Thanks to Huge's weekly payment option, you will not require to obtain credit to purchase washing machines from them.

What are the payment terms?

All prices include 20% VAt. Payments are made monthly without any interest. Usually, Huges has a minimum hiring period of 12 months for domestic customers.

On top of your monthly payment installations, you will have to pay a once-off administration fee of £25 or £35, as well as a one-month installation in advance if you are a new customer.

All payments can be made online, via Direct Debit or in-store. If you would like to pay for your appliances online, you will require to set up an online account with Huges before that.

Forbes Rentals

Who are they?

Forbes Rentals is another rental retailer offering electric appliances for rental fees.

What do they sell?

According to their website, Forbes Rentals offers an array of electrical appliances and even scooters. Their main focus point is washer-dryers, tumble-dryers and washing machines of the latest energy efficiency, increased spin speed, drum sizes and related wash load capacity.

What is the APR rate?

Since being a rental service, there is no APR rate involved in Forbes Rentals' weekly payment options.

How to order

You can easily go to their online website and choose the appliance with the washing machine features you require, select it and fill out an online rental application, after which you will be contacted by one of their customer support members.

How to obtain credit

Forbes Rental will check your credit score, so the best is to have good credit available. If you want to obtain credit, the best is to have a certain amount of cash available, Forbes does not give any specific information on this, but usually, it is around at least £1,500 to £3,000 and has a history of paying on time.

Another way is to sign up with Experian, a credit assessment provider through which Forbes Rentals works as well. You can instantly boost your credit score through them by linking to their account while they check how regularly and on time you have been paying your utility bills and others such as Netflix, Spotify or even your Council Tax.

What are the payment terms?

Forbes Rentals offers amazing student rental options, which usually run for 9 months. If you are not a student, you will have a rental agreement available for 12 months.

A £20 administration fee applies as well as a monthly instalment in advance. For this, Forbes Rentals offers you free installation, repairs as well as exchanges for your washing machines.

Appliances Direct

Who are they?

Appliances Direct is an award-winning subsidiary of the BuyDirect Group with an incredibly broad range of appliances available for

What do they sell?

Apart from a wide variety of free-standing or integrated washing machines, Appliances Direct sells TVs, Airconditioning, Phones, all the way to bathroom equipment such as showers, toilets and basins.

What is the APR rate?

Appliances Direct has a 21.9% APR rate.

How to order

You can easily purchase your product online and order it without any extra steps. Simply choose your prefered payment method such as Amazon Payments, PayPal Credit, any Credit Card or via PayPal in three instalments.

How to obtain credit

You can obtain PayPal Credit if you are above 18 years of age, are a UK resident and have a relatively good credit score in the past.

See above on how to best obtain credit.

What are the payment terms?

If you choose to pay online with Paypal, Appliances Direct offers you the opportunity to pay for your washing machine in 3 instalments without interest or late fees.

Pay Weekly World

Who are they?

Pay Weekly, formerly known as tell4U, is a retailer focused on offering its customers weekly payments for all their items.

What do they sell?

Pay Weekly focuses on entertainment and kitchen appliances but also sells furniture and garden items on their platform and in their stores across England.

What is the APR rate?

Pay Weekly World has a 63.4% APR rate.

How to order

Once you have found the washing machine of your dreams, you send in an online application, after which you will receive a quick call from someone from the customer support team. You will then be asked to send in a bank statement. After Pay Weekly does a soft credit check, they will let you know if you are eligible for their payment programmes.

How to obtain credit

You can apply to get credit with Snap Finances, for instance, which has the usual legal requirements.

What are the payment terms?

Depending on the washing machine you want to buy, you can choose to pay directly or will receive a set amount of instalments at a weekly rate. You can choose your payment period to be either 12, 24 or even 36 months.

Switch Rentals

Who are they?

Switch Rentals is a UK retailer offering quick and easy rental options for a wide range of appliances and goods.

What do they sell?

Switch Rentals offer mostly household items such as washing machines, TVs as well as kitchen appliances and furniture which are either completely new or “nearly new”, i.e. used but in very good condition, which has a positive impact on the price.

What is the APR rate?

Switch Rentals offers weekly payment installations; therefore, no APR rates apply.

How to order

You can apply for your Samsung, Hisense or any other washing machines, tumble dryers or washer-dryers online and will receive an answer within minutes.

How to obtain credit

See above for how to obtain credit. It is not required to rent items from Switch Rentals, however.

What are the payment terms?

When renting from Switch Rentals, you agree to rent your items for at least 18 months and pay weekly instalments for the models that you prefer. This makes you save the hassle of a credit limit. And you can easily switch to a better tumble dryer or better washing machine features after 12 months and just hand in your previous washing machines.

Studio

Who are they?

The studio is a retailer that offers an extensive range of appliances across the UK, online and in stores.

What do they sell?

Apart from jewellery, electrical appliances, toys and furniture, they also sell appliances such as tumble dryers, washing machines and fridges for instance.

What is the APR rate?

Studio has an APR rate of 39.9%.

How to order

After opening a Studio account with this retailer online or in one of their stores, you can choose your items and pay with your preferred payment option.

How to obtain credit

For options on how to obtain credit, please follow the instructions above. Otherwise, you can apply for a credit account with Switch online.

What are the payment terms?

Either pay full or choose Switch's attractive shop now and pay later option, where you can pay monthly for your washing machine.