Loan management
How to manage a short-term loan
Setting up autopay, making overpayments, changing your repayment date, and getting the most from your loan without extra cost.
5 min read → Home appliance
Appliance repair & replacement loan
When your washing machine, fridge or cooker breaks down, everyday life grinds to a halt. A Cash Train loan gets things working again without waiting.
Apply now →Unregulated lender • Apply online — decision in minutes
Typical appliance costs
What does appliance repair or replacement actually cost?
Washing machine repair
£80–£200
Most faults can be repaired. Parts plus an hour's labour from a qualified engineer.
Washing machine replacement
£300–£800
Mid-range freestanding machine with delivery and installation.
Fridge-freezer replacement
£250–£700
Freestanding or integrated. Integrated appliances cost more and often need a fitter.
Cooker / oven replacement
£300–£900
Freestanding range or built-in oven plus hob. Connection costs extra.
Cost estimates are approximate market averages for the UK. Actual quotes will vary by engineer, retailer, region, and appliance specification.
Choosing the right loan
Which Cash Train tier fits your appliance cost?
Flex
£500–£2,000
3–12 months
Multiple appliance replacements or a higher-end single unit.
Apply now →You don't need to pick a tier in advance. We'll recommend the right one based on the amount you need and your affordability.
The process
How Cash Train works
01
Apply online
Fill in a short form with your details and the amount you need. Takes under 3 minutes.
02
Fast decision
Our technology checks your affordability and credit profile. Most decisions take under 2 minutes.
03
Money to your account
Approved and signed? We transfer funds direct to your bank — most arrive the same day.
Common questions
Appliance loan FAQs
If the repair quote is more than 50% of the cost of a new appliance, replace. For appliances under 5 years old, always try to repair first — it's usually cheaper and more sustainable.
Appliances typically come with 1-year manufacturer warranty. Check before calling a repair engineer — it may be covered.
Almost never. They look cheap per week but total cost can be 2–4x the retail price. A short-term loan nearly always costs less in total.
Only if the breakdown was caused by an insured event (flood, fire, theft). Mechanical breakdown isn't typically covered without appliance cover.
Appliance broken? We’re almost here.
Apply online now — get a fast decision with fixed monthly payments, no hidden fees.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk