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Washing machines and dryers are the kind of appliance you don’t think about — until yours breaks or you move somewhere without them. A quality washer/dryer pair runs $800–$2,500 new. BNPL apps and retailer financing make it easy to get set up immediately without paying the full amount upfront.
Where to Buy and How to Finance
Best Buy is one of the strongest options for washer/dryer financing. They accept Affirm at checkout and offer their own My Best Buy Credit Card with 6–18 months of 0% deferred financing on appliance purchases over $499. They also offer delivery, installation, and haul-away of your old unit — all can sometimes be included in the financing amount.
Home Depot accepts Affirm and offers their own Home Depot Credit Card with 0% financing on purchases over $299. They frequently run appliance package deals. Buying a washer and dryer as a bundle often qualifies for better financing terms.
Lowe’s accepts Affirm and their Lowe’s Advantage Card offers 0% financing on purchases over $299 for 6 months. Similar appliance bundle deals available.
Costco offers premium washers and dryers at competitive prices with Affirm available. Their return policy is significantly more generous than standard retailers — 90 days with no restocking fee.
Amazon offers washer/dryer combinations with Affirm and PayPal Pay Later available. Best for compact or portable washing machines.
Top-Load vs. Front-Load: Financing Implications
Top-load washers ($500–$1,200): More affordable and easier to maintain. A $700 top-load washer on Affirm 6-month 0% = $117/month.
Front-load washers ($700–$1,800): More efficient, better on clothes, but pricier. A $1,000 front-loader on Affirm 12-month 0% = $83/month.
Dryers ($400–$1,200): Financing separately or as a bundle. Bundle deals typically save $100–$300 off the pair price.
Washer-dryer combos ($800–$2,500): A single unit that washes and dries. Popular for apartments with limited laundry space. Available at Best Buy and Amazon with Affirm financing.
Understanding Deferred Financing
Be careful with “deferred financing” offers from store credit cards. These are NOT the same as 0% APR. With deferred financing, if you don’t pay the full balance before the promotional period ends, you’re charged all the accumulated interest back to the original purchase date — which can be significant. Always aim to pay off deferred financing balances a month before the promotional period expires.
Affirm’s 0% APR promotional offers (when available) are true 0% — no deferred interest trap. This makes Affirm preferable to deferred financing cards when a 0% Affirm offer is available at the same retailer.
What to Budget
| Configuration | Total Cost | Best Option | Monthly Payment |
|---|---|---|---|
| Budget top-load pair | $900 | Affirm 12mo 0% | $75/mo |
| Mid-range top-load pair | $1,400 | Affirm 12mo 0% | $117/mo |
| Front-load pair | $2,000 | Affirm 18mo 0% | $111/mo |
| Compact combo unit | $1,200 | Affirm 12mo 0% | $100/mo |