How much would. washing machine? YOU pay for a. Resource developed by Made of Money, a project of Quaker Social Action.
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- Merry Ward
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1 How much would YOU pay for a washing machine?
2 Rate these types of credit from what you think is the cheapest to the most expensive. Then turn over the cards and find out if you re right! Don t forget the total cost will be affected by: The APR (Annual Percentage Rate) what you are charged shown as a percentage per year The length of time you have to pay back the amount you borrow Your credit history if you have a bad credit history, some lenders will not give you credit, or will charge you higher APR Note: these are all only representatives of products available in August WM is an abbreviation of washing machine.
3 Doorstep Lender (e.g. Provident) Pay back weekly over 1 year Don t need good credit rating They come to you at your home Weekly Payment Store (e.g. Brighthouse) Pay back weekly over 3 years Don t need good credit rating Need to have insurance Don t own WM till fully paid for
4 Cost of WM: Typical APR: 299.3% Doorstep Lender Price per month: Total interest: Weekly Payment Store Cost of WM: (not !) Typical APR: 69.9% Price per month: Total interest:
5 Payday Loan Short term loan over approx 30 days (e.g. Wonga.com, Money Shop, etc) Pay back within 30 days Don t need good credit rating Have to pay back within 30 days Store Card (e.g. Argos card) Pay back monthly over 1 year May offer some interest free credit Need good credit history Have to buy goods at that store, can t shop around
6 Cost of WM: Typical APR: 1,509.0% Payday Loan Price per month: (1 month not 12!) Total interest: Cost of WM: Typical APR: 29.9% Store Card Price per month: Total interest:
7 Credit Union Pay back monthly over 1 year Don t need good credit rating May have to save some money before you can borrow Credit Card (low APR) Pay back monthly over 1 year Need good credit history Have to ensure you pay more than the minimum payment!
8 Cost of WM: Typical APR: % - (max 42.6%) Credit Union Price per month: Total interest: Credit Card (low APR) Cost of WM: Typical APR: 18.9% Price per month: Total interest:
9 Save and use my savings Save monthly over 1 year Don t need good credit history Have to save Bank Overdraft Pay back monthly over 1 year Need to have good credit history and bank account to be offered one
10 Save and use my savings Cost of WM: Typical APR: 0.01% Price per month: in advance! Total interest: 0.01 (earned) Cost of WM: Typical APR: n/a daily charge Bank Overdraft Price per month: n/a daily charge Total interest:
11 Credit Card (high APR) Pay back monthly over 1 year Don t need good credit history Have to ensure you pay more than minimum payment! High Street Money Shop Pay back monthly over 1 year Don t need good credit rating
12 Credit Card (high APR) Cost of WM: Typical APR: 34.9 % Price per month: Total interest: High Street Money Shop Cost of WM: Typical APR: Not availabe Price per month: Total interest:
13 Weekly Payment Social Enterprise (e.g. Fair for you) Pay back weekly over 1.5 year Don t need good credit history You don t own the WM until it is fully paid for A person my friend knows Pay back weekly over xx years? Don t need good credit rating and receive cash upfront Not clear on how much to pay back or for how long
14 Weekly payment social enterprise Cost of WM: 385 (not !) Typical APR: 42.6 % Price per month: Total interest: A person my friend knows Cost of WM: Typical APR: Won t be told Price per month:??.?? Total interest:??.?? High!
15 Budgeting Loan Pay back via benefits over period set by DWP Don t need good credit rating Only available if you are on means tested benefits Go without/what else? Don t buy a new washing machine No spend What other costs or benefits might there be
16 Cost of WM: Typical APR: 0% Budgeting Loan Price per month: (Paid over 8 weeks) Total interest: Go without/what else? Go to the launderette and save the price of the machine as well as all the running costs but 5-6 washes a week will cost you almost 1,500 in a year! So how about. Is the washing machine really irreparable? Do you have any cover from a warranty/house insurance/appliance insurance Looking for second hand deals Using friends or family s washing machine whilst you save (could you cook them a meal or help with their washing to say thank you?) Is there something you could sell to raise the money or another way of improving your income/spending less?
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