In store financing

Today I want to caution you about those “in-store financing” options you hear about.
 Let’s say you need a new washer or refrigerator, many people do the “no-interest financing the store offers, makes sense, right? Well you need to be aware that these offers require a hard credit check to qualify. And a hard credit check can drop your credit score by a couple of points. Now for most people maybe that’s not a big deal, however if you’re going to be applying for major credit like a mortgage, that credit score drop can cost you in the form of a higher interest rate on the loan. That higher interest means hundreds even thousands of dollars over the life of that loan. 
Next, you'll need to check the fine print carefully to make sure that the financing doesn't come bundled with a side of fees. With many no-interest loans, if you still owe any balance at all on the loan at the end of the financing period, you'll get charged interest retroactively on the entire original loan balance.
Best solution use money from your “emergency fund” to pay to replace a large appliance.