Where can I finance a washer and dryer? What to know before you shop
Replacing or upgrading a washer and dryer often requires fast decisions, especially when a machine breaks unexpectedly or you’re moving into a home without laundry appliances. Shoppers may find access to lease‑to‑own financing through local appliance stores, furniture‑and‑appliance retailers, major retail chains, online merchants, and participating Snap Finance partner stores. Before entering a lease agreement, it’s important to select appliances that fit your space, compare the full out‑the‑door cost, and understand the terms of your agreement, including payment schedules, early ownership options, and total cost.
Key Takeaways
Know where to shop: Local appliance stores, furniture‑and‑appliance retailers, major chains, online merchants, and Snap‑participating stores may offer access to lease‑to‑own financing options.
Choose appliances that fit: Space, capacity, hookups, and design (top‑load vs. front‑load) all affect what works best in your home.
Compare the full cost: Delivery, installation, connectors, haul‑away fees, taxes, and warranties can change the total out‑the‑door price.
Review lease‑to‑own terms: Payment schedules, agreement length, ownership timeline, and early ownership options may matter more than the lowest advertised payment.
Use Snap Finance’s Store Locator: Find Snap Finance partner retailers near you or online using the Store Locator.
When people ask “where can I finance a washer and dryer,” the answer may be surprisingly broad: you may be able to access lease-to-own financing through local appliance stores, furniture‑and‑appliance retailers, major retail chains, online merchants, and participating Snap Finance partner retailers.
But choosing where to get a washer and dryer using lease-to-own financing is only one part of the decision. You also need to know what to get, how to compare payment options, and what costs to expect beyond the sticker price. Whether you’re replacing a broken machine, moving into a home without laundry appliances, or upgrading an older, inefficient set, this article breaks down each step of the process so you can find what works best for you.
Where can I use lease-to-own financing for a washer and dryer?
If you run a quick online search for “where can I finance a washer and dryer,” you’ll find several types of retailers that may offer different payment options:
Local appliance stores often carry a wide range of washers and dryers, with inventory and price points varying by retailer. Many offer installment plans or access to lease‑to‑own financing.
Furniture‑and‑appliance retailers typically provide multiple payment options, including store credit, promotional financing, or access to lease‑to‑own agreements.
Major retail chains may offer retailer credit cards or buy now, pay later (BNPL) plans for eligible purchases. Some also offer access to lease-to-own financing.
Online merchants sometimes partner with third‑party financing providers or offer BNPL or lease-to-own financing at checkout.
Payment options vary widely depending on where you shop. Retailer credit may require a credit check and may include promotional interest terms. Installment plans break the cost into fixed payments over time. BNPL options may offer short‑term, interest-free installments for qualifying shoppers. Lease-to-own financing, including Snap Finance’s lease-to-own financing, may provide approved customers a way to obtain eligible appliances and make scheduled payments over time.
If you want to see which stores near you offer access to Snap Finance’s lease‑to-own financing, you can use the Store Locator to find participating appliance retailers in your area or online.
How do I choose the right washer and dryer before using lease-to-own financing?
Before you commit to lease-to-own financing, you’ll want to find the appliances that truly fit your home and your needs. Start with a few key questions shoppers often ask:
Do I need one replacement or a complete set?
If only one appliance failed, consider whether you need to replace just that unit. If both machines are aging or mismatched, compare the condition, compatibility, features, and cost of replacing one or both.
How much space do I have?
Measure the laundry area, including height, width, depth, and door clearance. Consider whether you need a stacked configuration, side‑by‑side layout, or a compact set.
What washer capacity do I need?
Capacity needs vary by household and usage. Compare manufacturer specifications for load capacity, water use, and energy use.
Should I choose top‑load or front‑load?
Top-load and front-load washers can differ in cycle time, water use, cleaning features, and installation needs. Compare the specifications for the models you are considering.
Do I need a gas or electric dryer?
Check your hookups before shopping. Gas dryers require the appropriate gas connection and ventilation. Many full-size electric dryers require a 240-volt outlet; check the manufacturer’s installation requirements for the specific model.
As you compare models, separate essential features from nice‑to‑have upgrades. Steam cycles, Wi‑Fi connectivity, and specialty wash programs may be helpful to some households, but often come at a higher cost.
For a more detailed guide to selecting the right washer and dryer for you, including size, efficiency, warranties, and delivery considerations, see Snap Finance’s Appliance financing guide: Getting refrigerators, washers, & dryers on lease.
What costs should I consider besides the washer and dryer?
When you’re comparing options, don’t focus only on the advertised price or the recurring payment. The complete out‑the‑door cost is also important.
Here are some common expenses shoppers may overlook:
Delivery fees: Many retailers charge for delivery, especially for large appliances.
Installation costs: Hookups for washers and dryers may require professional installation, especially for gas dryers.
Hoses, vent kits, and connectors: These small items add up and are often required for safe installation.
Electrical or gas connections: If your home needs an upgrade, like a new outlet or gas line, keep that in mind as you consider your budget.
Haul‑away fees: Removing old appliances may come at a cost.
Taxes and environmental fees: These vary by location and retailer.
Extended warranties or protection plans: These are optional. Review the cost, coverage, exclusions, and provider before deciding whether to add one.
Before selecting or ordering, measure the laundry area, doorways, hallways, and delivery path. This helps avoid surprise costs if the appliance doesn’t fit or requires special handling. Some services or charges may not be eligible for lease-to-own financing; confirm what is included in the lease and what must be paid separately.
What should I compare when using lease-to-own financing for a washer and dryer?
Once you’ve chosen the right appliances, compare the available payment options carefully. These factors may make a difference in what you ultimately choose:
Payment schedule: Understand how often payments are due and whether they align with your payday schedule.
Agreement term: Review the agreement term and total cost shown in your lease agreement.
Total cost: Review the full cost of the agreement, not just the advertised payment. Use Snap Finance’s Payment Calculator to estimate potential scheduled payments.
Ownership timeline: Once you’ve made all of your payments and completed the terms of your lease, you’ll take full ownership of the washer and dryer. Read through your lease agreement to understand what your timeline will look like.
Early ownership options: Snap Finance offers early ownership options including the Initial Promotional Period,1 which may significantly reduce the total cost of lease if you make all required payments on time and pay the amount due within this period. Please note that to exercise this option, consumers must ensure the required amount is paid within the Initial Promotional Period by scheduling payments through the Customer Portal or by contacting Customer Care at 1-877-557-3769.
Compare the available payment options and terms before deciding. Always review the full terms before signing, and ask questions about returns, missed payments, early ownership requirements, and any fees that may apply.
When might lease‑to‑own financing be an option?
Lease-to-own financing is one possible payment method. Whether to use it depends on your circumstances, available alternatives, and the terms of the agreement. It may be an option to consider when a washer or dryer is needed and paying the full cash price upfront is not practical. Common examples include:
Your washer or dryer breaks unexpectedly.
You’re moving into a home without laundry appliances.
You’re replacing an older machine that’s no longer efficient.
You may not qualify for traditional credit or have limited credit history.2
As you consider your options, it’s important to note that lease-to-own financing for appliances includes the cash price plus a cost of lease, so the total cost may exceed the sticker price, especially if you pay over the maximum lease term.1 Early ownership options, including Snap Finance’s Initial Promotional Period, may reduce the total cost of lease compared with completing the maximum term if you make all required payments on time and pay the amount due within this period.1
How does washer and dryer lease-to-own financing with Snap work?
If you’re considering Snap Finance for washer and dryer lease-to-own financing, the process generally includes these steps:
Apply online or in‑store.
A decision may be returned in seconds.
If approved, shop at a participating retailer online or in-store.
Make scheduled payments according to your lease agreement, which may align with your payday schedule.
Take full ownership after making all of your payments and completing the lease terms.
For a full explanation of Snap Finance’s process, ownership options, and shopping tips, visit the Appliance financing guide.
If you’re ready to take the next step, you can apply for lease-to-own financing and use the Store Locator to find participating appliance retailers near you or online. Both tools may help you compare models, understand your payment terms, and shop for the washer and dryer that fit your home and budget.
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 The Maximum-Term Plan includes 12–18 month renewable terms and is your highest-cost option. To exercise an early ownership option, including any early buyout promotions, you must make all required payments on time and satisfy the required amount 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, refer to your lease agreement. See lease agreement for terms, details, and limitations.
2 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.