Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk | Representative APR 89.9%
Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk

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A washing machine that won’t drain. A cooker that refuses to turn on. A fridge that’s finally given up and isn’t keeping your food fresh. A hoover that’s sucked its last. Sadly, the appliances that keep our homes running do go wrong eventually, and sometimes for no obvious reason and without warning.

For many, having to find the funds to either get your appliance fixed or to buy a brand new one can be stressful, particularly if the breakage wasn’t expected. If you’ve exhausted all your other borrowing options, this is where a loan for a home appliance can come in. But before you apply, run through these checks to ensure you really do need to borrow money to fund a repair or new purchase.

Can you fix it yourself?

When it comes to checking if you can fix it yourself, the first step is to refer to the instruction manual for your appliance and its troubleshooting section, as the problem might be listed there and come with an easy solution. You can also find instructions online or search for video tutorials. If you’re not sure that you have the skills required to complete the fix successfully, though, don’t try. You could cause more damage!

There are some simple checks you can carry out yourself to diagnose the problem and make sure it isn’t something small that could easily be repaired before you pay out for a whole new appliance. Here are some of the most common issues for a range of appliances:

Problem with appliance What to check
Tumble dryer won’t run a cycle Check the lint filter and ensure this isn’t compacted with dust and fluff. If it’s blocked, the machine won’t turn on. If you have a condenser dryer, check the water collection tray and empty this if necessary.
The dishwasher isn’t cleaning properly Top up the salt and rinse aid. Check the spray arm and remove any limescale or food debris as this can block the holes where water is dispersed.
The fridge isn’t as cool anymore, or is freezing food Check the thermostat dial hasn’t been accidentally knocked onto the wrong setting when putting food back in the fridge.
The fridge is leaking A blocked draining system might be the cause, leading to water pooling on the bottom shelves and leaking out onto the floor. Clean out the drainage at the back, ensure it’s free of mould and there is no food stuck back there, then leave to see if this fixes the problem.
The fridge has gone dark Listen to it. Check if you can still hear the motor running. If this is the case it’s likely the bulb has just gone inside the fridge – an easy fix!
The oven won’t turn on Change the fuse in the plug. Or it could be the cooker switch on the wall. If the problem persists you may need to arrange for a repairman or electrician to visit.
The washing machine isn’t filling or draining properly This could be caused by a kinked drain hose. Check the connection at the back and ensure the drainage hose isn’t bent. If it is, straighten it so water can easily run through.

What is the average cost to replace white goods?
Here, we’ve broken down the average cost to replace the most common white goods*:

Appliance Average replacement cost
Washing machine £200 – £350
Oven £250 – £350
Dishwasher £200
Fridge-Freezer £250 – £400
Microwave £50 – £100
Tumbledryer £120 – £900

Average cost to repair a home appliance
According to this guide from Which?, these are the average charges for fixing common issues that can occur with our home appliances. These figures include the cost of supplying the new part and the labour. Most of these repairs take between 30 minutes and two hours to carry out.

Repair Price of repairs
Washing machine cost of a new pump £89 – £105
Washing machine cost of a new door seal £79 – £102
Dishwasher cost of a new motor £174 – £250
Dishwasher cost of a new pump £93 – £127
Fridge cost of a new thermostat £77 – £110
Tumble dryer cost of a new heating element £92 – £114
Electric fan oven cost of a new element £83 – £98

How to cover the cost of repairing or replacing a home appliance

There are a number of ways to pay to get your white goods fixed or replaced. We’ve pulled together a round-up of the most commonly used options.

Use your savings

We know this isn’t an option for everyone, but if you have any savings put aside, it’s best to use these before you consider applying to borrow money to cover the cost of a new appliance or repairs.

Borrow from friends or family – or use their appliances

A trusted friend or family member may be able to loan you the money you need to cover the cost of repairing or replacing that appliance or, depending on the appliance, allow you to use theirs while you save up or wait until payday to buy a new one.

A loan for a home appliance

At Sunny, we can help when it comes to covering the cost of a home appliance that has broken down. Our loans range from £100 to £2,500 and can be paid back over 6 – 14 months depending on the amount you borrow, allowing you to spread the cost of your borrowing over a period of time that suits you. If you’ve considered your options and feel that this is the best way forward for you and your situation, you can find out more about our loans here.

0% interest credit card

One of these allows you to cover the cost and then pay back what you’ve borrowed during the interest-free period. It’s important you budget and pay back what you’ve borrowed within this timeframe, to ensure you aren’t hit with interest charges later.

Finance deal

Many electrical appliance retailers offer finance deals with 0% interest over a period of time. This kind of credit is known as a hire purchase agreement, arranged with a finance provider the store you’re buying your new home appliance from has partnered with. You get to take your new appliance home the same day, but pay for it in instalments over a period of time – usually up to five years – with no interest charged. However, these deals are typically only offered to those with a very good credit history, so if you think you may need to use a finance deal to buy a new appliance, check yours and take steps to improve it now, before you need to apply for credit.

You may also come across finance deals from retailers who specialise in loans where you can pay a small amount each week for your new appliance, spreading the cost over a number of months or even years. While this is an attractive prospect when you need a new appliance urgently and don’t have the cash upfront to pay for it, these types of deals, more often than not, will come with interest payable. You may also find that the choice available is quite limited, and you may end up settling for an appliance that doesn’t really do everything you need in order to access weekly payment options.

If you’re able to, it’s usually much more cost effective to purchase your new appliance outright than to borrow money to cover the cost. If you do decide to borrow money to pay for a new appliance, though, then here are a couple of things to consider as you choose your new appliance and lender:

  • How much can you afford to borrow? When you borrow money, it’s vital that you’re able to keep up with your repayments for the duration of the loan. Work backwards by calculating how much you can afford to repay each month, including interest. This will help to guide you towards a loan amount – and a budget for your new appliance – that you know you can afford.
  • How much will it cost to replace your appliance like for like? If your old appliance has a lot of features that you can’t live without, then it’s important your replacement is up to the task. Compare prices between different brands of appliance and different retailers to find the best deal for an appliance that suits your needs.
  • What to do if there’s a discrepancy between the appliance you need and the amount you can afford to borrow: the first thing to do is to look for areas to compromise and spend less on your appliance. Does it have to be the brand you’ve chosen? When it comes down to it, do you really need all those premium features? If there’s no compromise to be had on the appliance, then look for ways to top up your budget. Our Good Vibes guide has some ideas.

Want to know more about short-term loans? Take a look at our guides pages to learn more about different types of loans and what we offer here at Sunny.

Representative 89% APR

Representative Example: Borrowing: £1000 for 18 months, Total Repayable: £1853.43, Total Interest: £853.43, Interest Rate (Variable): 89.9%. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Subject to lender’s requirements and approval.

Sunny Loans is a registered trading name of Upward Finance Limited, who is an introducer appointed representative of Flux Funding Limited, who is a credit broker, not a lender. Loan repayment terms are 3-36 month loans.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk.

Replace or repair your appliance?

If you can’t work out what’s wrong with your appliance, let alone fix the problem, you may be weighing up whether to call out a professional to have your home appliance repaired, or whether you should simply replace it. Here are some things to consider:

  • If it’s very old, it’s probably not running very efficiently anyway and so this may be a good opportunity to change it for a newer, more energy efficient model. While you’ll need to find the money to fund this purchase up front, you will save money over time on your energy bills.

  • Sometimes we purchase a home appliance and, over time, find it doesn’t have all the features we need, but we make do. If this is the case with the appliance that’s broken, perhaps this is reason enough to buy a new one that has all the features you need. If it’s an appliance that suited your needs perfectly before it broke, however, getting it repaired may be best, in case you can’t find a like for like replacement.

  • Sometimes, fixing one large part costs close to the original price of the appliance. If this is the case, it’s probably more cost effective to simply buy a replacement. If a professional wants to charge £100 to repair a washing machine that cost you £200 and could go wrong again, it doesn’t make sense to pay out for this.