Can't pay for a fridge or washing machine upfront? You're not alone — appliances are a big expense, and sometimes the timing just isn't right. Buy Now Pay Later (BNPL) options have made it easier than ever to get what you need today and spread the cost over weeks or months.
Here's everything you need to know about buying appliances on finance in Sydney.
Why Buy Now Pay Later Makes Sense for Appliances
Unlike a new TV or phone, a fridge and washing machine aren't optional. If your fridge dies, you need a replacement quickly — you can't just wait until next month's pay cycle. BNPL lets you act now without wiping out your savings.
The same applies to a washing machine. With a family of 4, going a week without a working washing machine is a genuine hardship. BNPL gets you sorted fast.
BNPL Options Available in Australia
Afterpay
Australia's most popular BNPL service. Split your purchase into 4 fortnightly payments, interest-free. Afterpay is accepted at many appliance retailers including Oceania Appliances for purchases up to $2,000. For a $499 fridge, you pay $124.75 every 2 weeks — that's affordable for most households.
Zip Pay / Zip Money
Zip Pay covers purchases up to $1,000 with no interest (account fees apply). Zip Money covers larger purchases up to $5,000 at 0% interest for 3–6 months (reverting to 19.9% after). Good for larger appliances or buying a fridge and washing machine together.
Humm (formerly Oxipay)
Humm offers two products: Little Things (up to $2,000, 5 or 10 weekly payments) and Big Things (up to $30,000 for larger purchases). No interest, just an establishment fee.
Latitude Pay
Latitude offers interest-free payment plans over 6, 12, or 24 months through their own credit account. Good for larger purchases where you want longer to pay. Available at Harvey Norman and others.
Tips for Using BNPL Wisely
- Only use it for necessities — a fridge or washing machine is a genuine need. BNPL is less appropriate for discretionary purchases.
- Stick to what you can repay — missing payments attracts late fees. Make sure the fortnightly amount fits your budget before committing.
- Don't stack multiple BNPL accounts — multiple active BNPL accounts can affect your credit score and your ability to get a home loan later.
- Read the fine print — especially for 0% finance offers. If you don't pay off the full balance within the interest-free period, some products charge the full interest retroactively.
Can You Use BNPL on Refurbished Appliances?
Yes — BNPL works the same way regardless of whether you're buying new or refurbished. For a quality refurbished fridge at $349 from Oceania Appliances, Afterpay means 4 payments of just $87.25.
That's how a family can walk out today with a tested, warranted fridge — without spending $349 today.
What About Renting an Appliance?
Companies like Radio Rentals and Rent the Roo offer appliance rental in Sydney. While this avoids a lump sum, the total cost over 2–3 years is typically 2–3x the retail price of the item. For most households, buying on BNPL is significantly more cost-effective than renting.
Get a Fridge or Washing Machine Today at Oceania Appliances
At Oceania Appliances in Wetherill Park, we accept Afterpay and other payment methods. With refurbished fridges from $249 and washing machines from $249, the repayment amounts are genuinely affordable.
All appliances come with a 3–6 month warranty. Free delivery across Sydney. Open 7 days, 10am–8pm.
📍 2/14 Centre Place, Wetherill Park NSW 2164
Call or WhatsApp — we respond fast.