In accordance with the invention, an appliance is provided with a controller that stores "points" representing payments made towards the purchase or use of the appliance. Every time the appliance, for example, a washing machine, performs a cycle, a portion of the stored points are debited from a stored balance. The institution purchasing the washing machine thus pays for the machine over each wash cycle. When the balance of the stored points reaches zero, or is less than the number of points needed to perform a particular machine function, the machine becomes inoperable. In order for the institution to regain use of the machine additional points must be added to the stored point balance.