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How to Budget for a New Laundry Set

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How to Budget for a New Laundry Set

Upgrade your laundry routine without draining your savings by timing your purchase and managing your payments.

VoAtlas editorial Updated · 3 min read
Typical cost $1,700 before anything else
Across the 0% window $113.33/mo 15 months, no interest

How we got that: $1,700 spread evenly across the 15-month introductory window on the Discover it® Cash Back. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A high-efficiency front-load set changes your laundry day from a constant chore into something that runs in the background. Newer models spin faster, which means your clothes spend less time in the dryer and you save on your monthly utility bills.

September is the sweet spot to shop because stores clear out old floor models to make room for new releases. Get at least three quotes from different retailers to compare the final price, including delivery and installation fees, before you hand over any money.

The 0% intro APR is a deadline, not a gift. If you have a remaining balance after 15 months, the bank will charge you interest on the original amount, which cancels out your savings.

The steps

  1. 01

    Compare local quotes

    Visit three different appliance stores to get quotes on the specific models you want. Ask if they offer price matching or bundle deals for the washer and dryer together. Factor in the cost of new hoses and pedestals so you have a true total price.

  2. 02

    Clear your space

    Measure your laundry area twice, including the door frame and the depth needed for the hoses. Make sure you have enough clearance for the front-load doors to open fully. You do not want to realize the unit is too big once it is parked in your driveway.

  3. 03

    Leverage the intro window

    If you use the Discover it® Cash Back, you get 0% intro APR for 15 months on purchases. This gives you a 15-month window to pay off the $1700 without interest. Divide your total by 15 to hit a monthly goal of $113.33.

  4. 04

    Schedule the delivery

    Select a delivery date that allows you to be home for the installation process. Ask the installers to test the machines for leaks before they leave your house. Keep all your purchase receipts and manuals in one folder for future maintenance needs.

  5. 05

    Automate your payments

    Set up an automatic transfer from your checking account for $114 each month. This ensures you never miss a payment and keeps you on track to finish before the 15-month window closes. Small, consistent payments are easier to manage than a large lump sum.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Discover it® Cash Back carries the date a person verified it against Discover and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Discover it® Cash Back terms →

Common questions

Are front-load washers actually better?

They generally use less water and energy than top-loaders. Because they spin faster, they remove more moisture from clothes so your dryer does not have to work as hard.

Why is September the best time to buy?

Major appliance brands typically release new models in the fall. Retailers slash prices on the existing stock to empty their warehouses for the new inventory.

What happens if I miss a monthly payment?

Missing a payment can end your 0% intro APR early. Always set up autopay to ensure your payment hits before the due date each month.

Do I need to buy new hoses?

It is smart to replace your hoses whenever you get a new machine. Old hoses can become brittle and lead to leaks that damage your floor.