Appliances are key to the proper functioning and comfort of your home. Just think about how unpleasant it would be to make it through the whole summer without an air conditioner, or what you would do if you didn’t have a refrigerator.

Yet appliances are expensive. Most people can’t afford to buy them outright, but without credit, financing them can be a problem. Here are a few things you can do to get the appliances you need if you have poor credit:

Rent to Own

When you have bad credit, freezer and other appliance financing can be hard to come by. If you do get it, you may have to pay exorbitant interest rates. Instead, you can rent to own the appliances you need.

Poor Credit

You can find everything from a freezer for rent to an air conditioner for rent. The money you put toward renting the appliances can be applied toward their purchase if you decide to buy them. It’s an easy, no-pressure way to get the appliances you need. You can even get furniture, like a bed for rent or a couch for rent.

Shop Consignment

If you don’t want to worry about financing a dishwasher, you can just buy one outright for less money if you shop consignment. Go to stores in your community that sell appliances secondhand. You can feel confident that you are getting a quality appliance since the store likely does testing and provides some sort of warranty or return policy. You can find everything from coffee makers to refrigerators, depending on the store where you shop.

Buy Secondhand

The local classifieds are another good place to buy appliances if you don’t have good credit. You can get a good bargain, but you’ll have to be careful that you are getting a quality machine. Many unethical people will sell garbage in the classifieds, so make sure you do your research.

Don’t let bad credit keep you from getting the things your home needs. Consider renting to own your appliances or buying them second hand through credible sources.