Credit/finance for a washer dryer

[hoppydan]

Hello basically I moved home sort of recently and I have been using the laundry room at the old flat I can't do that anymore so I need to get a washing machine and a dryer but only have room for 1

I don't know where to start I thought I could get a 0% credit card i did.a soft credit check from money supermarket and tha said I'd be 20-40% chance of getting one but I really need a washer but I don't really know what's options are I'm not going to bright house and paying 1500 for a 300 apliance

[jt999]

For now you could use a laundrette, and you can often find second hand ones, maybe even free - try Gumtree or Freecycle (is that what it's called?)

Applying for credit and getting refused goes against your credit rating IIRC so I wouldn't apply if you were unlikely to get it...

[Vegas]

Buy second hand.

No need for brand new. As JT said for now use a launderette

[hoppydan]

I might be able to get store credit but I'm not sure also with being offerd the job on a permanent basis makes me more likely surely? Also my wonga loan I had to take out probably didnt help

[hoppydan]

Laundrette is loads ? I think I'm not 100% also I don't know where any are but that would be an option

[Coleman]

Gumtree and check the local free ads for something. If buying new, just get a cheapie one but extend the warranty a bit. Did an extra year on mine, had it fixed in no time.

[Vegas]

If you paid back wonga on time, it probably helped credit history. If you didn't you're pretty ****ed

[hoppydan]

I had to extend it , I took it out because my mom fails to pay me back money and I had to extend it same reson .. But it will be payed off by the new deadline

[hoppydan]

Also if I did get credit from a store like currys would that not do loads for credit when it's payed back on time

[jt999]

If you haven't missed a payment I doubt it would affect any rating, having a job won't really help as it's new so you can't show the income etc anyway. Just make sure all bills are paid when they should be and your rating will sort itself out (I've been working on mine for a while...)

Definitely look at the second hand/free stuff. I'm not sure if combi washer/driers use condensers or need a pipe out the window - worth checking as if you need a pipe and don't run it you'll end up with dampness (and I'm not talking about the good kind)

[Vegas]

[Tim]

Wonga loans negatively affect your credit rating.

Look on eBay for a second hand washer and then buy a washing line and pegs.

[Vegas]

No they don't

[Tim]

Yes they do
Payday loans can put credit rating at risk
Wonga: Payday loans 'do wonders' for your credit - Money Saving Expert
Do payday loans damage your credit rating? - Experian UK

[Taurus]

Washer dryers are notoriously unreliable and expensive to fix. I'd buy a washer with a good spin speed which will get clothes much drier and then dry on a line or rack.