How to get a TV or Kitchen Appliance When You Can’t Afford To Buy One

If you find yourself in need of a TV or kitchen appliance but lack the funds to purchase one, there are several options available to help you obtain what you need.

These options range from seeking out assistance programs and charities to exploring rental agreements and borrowing from friends or family. Here’s an in-depth look at each option:

Assistance Programs and Charities

Many communities have local charities and assistance programs designed to help individuals and families in need. Organizations like the Salvation Army and the British Red Cross, plus local food banks / city missions often have programs that provide essential household items, including kitchen appliances, either for free or at a significantly reduced cost.

Additionally, some non-profit organizations focus specifically on helping low-income families with necessary appliances. You can often find these resources by contacting local social services or community centers.

Rental Agreements

Rental agreements, like those offered by us at hiya offer a way to obtain kitchen appliances without needing good credit. Companies like ours allow you to make manageable weekly or monthly payments to enjoy a high quality product, and often with the benefit of free delivery, setup and servicing. While this option can be more expensive in the long run, it provides an immediate solution without the need for a large upfront payment.

Buy Now, Pay Later Services

Buy now, pay later (BNPL) services have become increasingly popular and can be an option if you have a less than average credit score. Companies such as Klarna or PayPal partner with various retailers to offer financing for purchases, often with no interest if paid within a specified period.

These services perform a soft credit check, which doesn't impact your credit score, and allow you to spread the cost of the appliance over several payments. This can make obtaining a necessary appliance more manageable on a tight budget. However, BNPL services aren’t suitable for everybody and not everybody will be approved. It’s important to be very careful when using this kind of agreement as there can still be an impact on your credit file if you fail to pay the installments on time.

Borrowing from Friends or Family

Another potential solution is to borrow money from friends or family members. This option can be more flexible and often comes without the interest and fees associated with other financing methods. However, it’s important to approach this option with caution to avoid straining personal relationships. Be clear about your repayment plan and stick to it to maintain trust and goodwill.

Second-Hand Appliances

Purchasing a second-hand appliance can be a cost-effective solution. Websites like Facebook Marketplace and eBay, and local buy/sell groups often have listings for used kitchen appliances at a fraction of the cost of new ones. Charity stores and car boot sales are also worth exploring. While buying second-hand does carry some risk regarding the condition and longevity of the appliance, it can be a practical way to meet your immediate needs without significant expense. Again, caution should be made when using this option. It is often difficult to test second-hand items in advance, making it a risky option.

Community Sharing and Bartering

Sharing and bartering networks can provide access to necessary items without the need for cash. Platforms like Freecycle and neighborhood groups often have members willing to give away appliances they no longer need. Additionally, bartering services or skills in exchange for an appliance can be a mutually beneficial arrangement. For instance, you might offer handyman services, tutoring, or other skills in exchange for a working kitchen appliance.

In conclusion, while affording a new kitchen appliance with bad credit can be challenging, various resources and creative solutions can help bridge the gap. By exploring these options, you can find a suitable way to obtain the appliances you need without straining your financial situation further.