Buying a new appliance is stressful when money is tight. Refrigerators break, washers quit spinning, and dryers stop heating at the worst possible times. The good news is that many appliance stores now offer buy now pay later options that let you spread payments out without taking on traditional debt.
Whether you are replacing something that suddenly failed or upgrading your appliances during a sale, these stores give you flexible financing choices that can fit almost any budget. Here are the best appliance retailers that offer payment plans, BNPL options, and other affordable ways to take home what you need today.
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1. Home Depot
Home Depot offers several ways to buy appliances with monthly payments. They partner with Affirm, which lets you split purchases into simple payments with no hidden fees. Many buyers use Affirm to pay over 3, 6, or 12 months, and sometimes longer for larger purchases like refrigerators or washer and dryer sets.
Home Depot also has its own store credit card which often comes with special financing promotions. If you time your purchase right, you can get a long interest free period.
2. Lowe’s
Lowe’s is another top store for appliance financing. They offer Affirm and sometimes Klarna as payment options during checkout. Buyers can also use the Lowe’s Advantage Card, which regularly features interest free financing promotions on larger purchases.
Lowe’s carries the same major brands as Home Depot, so it is smart to compare prices and promotions between the two stores before deciding where to shop.
3. Best Buy
Best Buy is known for electronics, but their appliance selection is huge. You can find refrigerators, dishwashers, stoves, laundry sets, and more with both in store and online payment plan options.
Best Buy partners with Affirm and Progressive Leasing, which makes it easier for shoppers with less than perfect credit to qualify. Progressive Leasing offers lease to own agreements that can be helpful for customers who need a softer approval process.
4. Costco
Costco is a great place to buy appliances because their prices are already lower than many traditional retailers, and most items include delivery and installation at no extra cost. While Costco does not partner with Affirm or other Buy Now Pay Later providers, they do offer the Costco Anywhere Visa Card by Citi. This card gives cash back rewards on your purchase, which can help offset the cost of a new refrigerator, washer, dryer, or dishwasher.
If you want even more ways to stretch your budget, you can check out my guide to save money at Costco for tips on the best times to shop, membership hacks, and how to get the biggest discounts on appliances. Did you know you can even shop at Costco without a membership? Here’s how to.
Another smart option is exploring Costco liquidation stores. These stores often sell returned or overstock appliances at a fraction of the retail price, so you might score a high end piece for hundreds less.
Costco remains a solid choice for appliance shopping because of its strong warranty support, excellent return policy, and value packed pricing.
5. Samsung
Buying directly from Samsung.com can be a smart choice when you want the newest technology. Samsung offers Affirm at checkout and often includes promotional terms on appliances like refrigerators and washer dryer combos. If you like extra perks or bundle discounts, Samsung frequently offers package deals that bring down the overall cost. Samsung also offers military discounts on appliances.
6. Ashley Furniture HomeStore
It might be surprising, but Ashley also sells appliances both online and in many store locations. They work with several financing partners including Affirm and Synchrony. Most locations offer lease to own options as well. This can be helpful if you prefer a non traditional store with flexible plans.
7. Aaron’s
Aaron’s is one of the most well known rent to own stores for appliances and furniture. Their approval process is easier than traditional credit checks. Weekly or monthly payments make budgeting more flexible, although the total cost can be higher. Aaron’s is a good option when you need something right away and do not have strong credit.
8. Rent A Center
Rent A Center also provides rent to own payment plans for appliances. They carry all major brands, and approval is usually quick. You can pay weekly, biweekly, or monthly and take home your appliance the same day in many cases. As with similar stores, the total price is higher, but the flexibility is helpful for many families.
Tips To Save Even More When Buying Appliances
Using a payment plan is helpful, but there are other ways to reduce your overall cost.
Look for holiday weekend sales
Appliance sales often happen during Memorial Day, Labor Day, Fourth of July, Black Friday, and Presidents Day.
Buy scratch and dent models
Many stores have slightly dented or returned appliances that work perfectly and are deeply discounted.
Compare delivery and installation fees
Some stores include free delivery. Others charge extra, which can make the final price higher than it appears.
Use cashback apps or credit card rewards
If you pay through Affirm or Klarna you might not earn credit rewards, so double check the details before deciding.
Check for energy rebates
Many states and electric companies offer rebates for energy efficient appliances.
Final Thoughts
Replacing a major appliance is expensive, but buy now pay later options make it easier to manage the cost. Whether you choose Affirm, a store credit card, lease to own, or another flexible payment method, you can get the appliance you need without draining your savings.
This guide covered the best appliance stores with payment plans, but you can compare several options before you buy. A little research can help you get the best deal and the most affordable monthly payment.
