The appliance buying guide: What to look for in a new fridge, washer, or oven
Buying a new appliance can feel overwhelming – especially when you’re balancing features, prices, and delivery logistics. This appliance buying guide breaks down what to look for in refrigerators, washers, and ovens so you can shop with confidence.
Key takeaways:
Compare energy efficiency, size, and warranty before buying any major appliance.
Choosing the right model can reduce energy costs and extend your appliance’s lifespan.
Understand warranty options and when extended coverage is worth it.
Shopping for appliances is one of those adult tasks that can quickly go from exciting to overwhelming. Between prices, sizes, and endless feature lists, it’s easy to second-guess your choice. And since most major appliances cost hundreds – sometimes thousands – of dollars, it’s a decision you want to get right the first time.
For example, the average refrigerator costs between $1,000 and $2,000, while a washer and dryer set can easily reach $800 or more. Choosing the wrong one could lead to wasted energy, poor performance, or early replacement costs.
This appliance buying guide breaks down what to look for in refrigerators, washers, and ovens so you can shop smarter, save energy, and find convenient ways to pay over time.
Key features to compare by category
When comparing appliances, it helps to know which features matter most – and which ones you can skip. Here’s a breakdown of the essentials for each major category.
Refrigerators
Energy efficiency: Look for the ENERGY STAR label. Certified models can cut annual energy use by 15-20%, saving you money month after month. Over a 10-year lifespan, that can mean hundreds in savings.
Capacity and layout: Think about your household size and cooking habits.
French door models offer wide shelves and flexible freezer storage but cost more.
Top-freezer models are often more compact and energy-efficient.
Side-by-side models provide easy access but can have narrower shelves.
Smart tech: Wi-Fi, touchscreens, and internal cameras are cool additions, but they’re not essential. If you’re watching your budget, prioritize efficiency and capacity first.
Washers and dryers
Load type: Front-load washers are more efficient and use less water but can require bending to load and unload. Top-load washers are easier on the back and often finish cycles faster.
Water and energy use: High-efficiency (HE) washers save significant water but may take longer cycles. Energy-saving dryers use sensors to stop automatically when clothes are dry.
Cycle options: Steam, sanitize, and quick wash cycles are helpful for families with kids, allergies, or busy schedules. But more settings don’t always mean better cleaning power – look for real performance data or verified customer reviews.
Ovens and ranges
Fuel type: Electric ranges heat evenly and are common in most homes, while gas offers faster, more responsive cooking if your kitchen is equipped for it. Check local energy costs and hook-up availability before deciding.
Convection and air fry modes: These features circulate hot air for faster, even cooking — great for baking and crisping. If you cook often, these are worth the upgrade.
Safety and maintenance: Look for easy-clean coatings, child locks, and automatic shut-off options to make your appliance safer and simpler to care for.
Download our free appliance comparison PDF to help track must-have features and warranty coverage before you buy.
How to choose size, brand, and warranty
Buying an appliance that fits your home and lifestyle is just as important as picking one with the right features.
Measure twice, buy once: Always measure your space carefully — and don’t forget about doorways, hallways, and delivery paths. Leave 1–2 inches of clearance around appliances for airflow and easier installation.
Brand reliability: Some brands are known for energy savings, while others are recognized for long-term durability or lower repair rates. Research customer satisfaction trends to see which brands align with your priorities.
Warranty coverage: Most appliances come with a standard 1-year warranty covering parts and labor. Extended warranties can offer extra peace of mind, especially for high-cost models or homes with heavy use.
If you’re financing, look for bundle deals that include service or extended protection – they can save money and headaches later on.
Financing appliances without credit
Big purchases don’t have to wait for perfect timing or perfect credit. Snap Finance offers a lease-to-own approach that helps customers take home what they need now and make convenient payments over time.
With Snap Finance:
No credit needed. All credit types are welcome to apply.1
The application process is fast, with decisions in seconds.
Payment schedules can align with your payday cycle.
Early ownership options can reduce overall lease costs when you complete your agreement early.2
Example: You find the perfect refrigerator for $1,200. Instead of paying all at once or putting it on a card, Snap Finance lets you lease it today and make payments until you complete your lease agreement – without the pressure of perfect credit.1
Check your eligibility online — it won’t affect your FICO® score to apply.1
Shop smart: In-store vs. online tips
Shopping for appliances looks different depending on where you do it. Both options have advantages, but knowing how to shop strategically can help you get the best deal and experience.
In-store
See true finishes and colors before buying.
Check that doors and drawers open comfortably in your space.
Ask about delivery, installation, and haul-away fees.
Look for open-box deals or last year’s models — they often come with full warranties at a lower cost.
Online
Compare prices from multiple retailers to spot the best value.
Read verified reviews that mention performance, noise levels, and durability.
Double-check shipping, installation, and return policies before clicking “buy.”
Watch for coupon codes, free delivery promos, or bundle discounts.
Download our free appliance shopping checklist to compare brands, energy ratings, and warranty options before you buy.
Get what you need without breaking the bank
Buying a new appliance doesn’t have to be stressful. When you know what to look for – and how to pay for it wisely – you can get lasting value from your purchase.
Energy-efficient models lower utility bills, reliable brands reduce repair costs, and strong warranties protect your investment.
And with Snap Finance, you can get the appliances you need now without perfect credit,1 long waits, or unexpected hurdles. Whether you’re upgrading a single appliance or refurnishing an entire kitchen, the path to smarter, the path to convenient ownership is within reach.
Explore Snap Finance partners near you and get the appliances your home needs today.
The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.
1 Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
2 The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including any early buyout promotions, you must make all regular payments on time and ensure the required amount is paid within the applicable timeframe through the customer portal or by contacting Customer Care at 1-877-557-3769. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.