Should You Upgrade Your Old TV or Buy a New One?

Upgrading an old TV or buying a new one on an Equated Monthly Instalment (EMI) is a common dilemma. If your current TV works fine, has low repair costs, and meets your basic needs, an upgrade may be enough. However, if you want better picture quality, smart features, and long-term value, brands like Samsung, LG, and Panasonic offer great options, while Xiaomi and OnePlus provide budget-friendly choices. 

With a Consumer Durable Loan, you can buy a new TV through easy EMIs without depleting your savings. In this blog, you’ll learn when upgrading makes sense, when buying new is better, how EMI works, and tips for choosing the right TV.

When You Should Upgrade Your Old TV
 

Many minor issues with an old TV can be repaired at a reasonable cost. Common repairs include broken speakers, non-working remotes, or small circuit replacements. You can consider upgrading your TV instead of buying a new one if:

•    Your old TV only has minor problems, and the screen is still in good condition.
•    The picture quality has slightly decreased, and you can still use the TV in a secondary room or guest bedroom.
•    You have other expenses, and buying a new TV on EMI or through a Consumer Durable Loan is not currently within your budget.
•    The repair cost is less than 15–20% of the price of a new TV

Upgrading your old TV can save money while still providing a decent viewing experience.

When Buying a New TV is a Smarter Choice

Buying a new TV on EMI is often the better option if your old TV no longer meets your needs. Consider upgrading to a new model if:

•    Your TV has reduced brightness, poor colour accuracy, or weak audio output
•    It requires frequent repairs or multiple service visits
•    You want to enjoy the latest features like 4K resolution, HDR, Dolby Atmos, and Smart OS platforms

•    Families with children or heavy users of OTT services need a modern Smart TV for long-term value
•    A new TV also comes with a better warranty, regular software updates, and smooth integration with gaming devices and smart home products

With a Consumer Durable Loan or TV on EMI, you can upgrade without straining your budget while enjoying the latest technology and features.

Also Read: Key Things to Know Before You Apply for a Consumer Durable Loan

Upgrade Old TV vs Buy a New TV: Quick Comparison Table

Use this comparison to decide which option offers the best value for your needs and budget.

Top New TV Options in 2025: LG, Samsung, Panasonic

Explore some of the best TV models to buy in 2025, comparing their features, performance, and value to help you choose the right one for your home.

Note: The prices are from the official website as of 18th December and are subject to change.

Product Overview & Key Features

Here’s a quick look at each TV’s key features and what makes it a good choice for your home.

1. LG 43" 4K UHD AI UA8200

Overview
This LG television uses advanced technology to deliver a premium cinematic experience. The α7 AI Processor 8th Generation automatically adjusts image quality, tone and brightness based on the content. Dolby Atmos and Filmmaker Mode create an immersive experience ideal for movies, sports and streaming platforms. 

Key Features
•    α7 AI Processor Gen8 enhances colours, contrasts, and image clarity frame-by-frame.
•    Filmmaker Mode disables post-processing for director-intended visuals.
•    Dolby Atmos creates deep surround sound.
•    AI Sound Pro adjusts sound profiles for speech, music, and effects.
•    webOS platform with Chromecast built-in for seamless streaming.
 

2. Samsung 43" QLED QEF6 4K Vision AI Smart TV

Overview
The Samsung QEF6 delivers bright, vivid colours and intelligent audio-visual performance for modern home entertainment. Vision Technology AI adjusts the display automatically based on the room conditions and ambient light conditions. HDR10+ improves  contrast and adds a 3D effect, making it great for sports, gaming, and bright rooms. The Samsung Smart Hub gives easy access to streaming video applications and allows you to connect multiple devices.

Key Features
•    QLED panel with high peak brightness and colour accuracy.
•    Vision AI auto-adjusts the picture to the room lighting.
•    Q-Symphony synchronises TV with compatible soundbars.
•    HDR10+ enhances details in darker areas.
•    Knox Security and Pantone Validation ensure safe and accurate visuals.

3. Panasonic 43" 4K Ultra HD Google TV TH-43PX665DX

Overview
If you’re looking for a TV with excellent picture quality, great sound, and an easy-to-use interface, Panasonic is a solid choice. With built-in Dolby Digital and Home Theatre Speakers, you can enjoy premium sound without an external system. Google TV offers voice search and personalized recommendations based on your viewing habits. This TV is perfect for families and everyday streaming users who value both high-quality visuals and immersive audio.

Key Features
•    4K Colour Engine enhances the richness of colour and upscaling.
•    Dolby Digital audio improves the clarity of dialogue.
•    Google TV offers voice search and personalised recommendations.
•    HDR10 enhances contrast and detail.

Also Read: Consumer Durable Loan Vs Small Personal Loan

Buying a New TV on EMI

While TV on EMI make ownership easier, you can choose between two financing routes. You can apply for a Consumer Durable Loan by visiting a partner store, selecting the product, and choosing EMI at checkout.

Alternatively, you can opt for an instant loan and get a Smart TV on EMI with an online application, quick approval and EMIs tailored to your budget.

To Conclude

Upgrading your old TV may save money in the short term, but a new Smart TV offers better picture quality, sound, features, and reliability. EMI financing ensures affordability while giving you access to the latest technology. 

FAQs

Should I buy a TV on EMI?
Yes, an EMI plan allows you to distribute the purchase over several months and not deplete your savings.

Will using an EMI plan increase the total amount you pay for the TV?
Standard EMI plans may have a nominal amount of interest depending on the loan term.

Will I receive an immediate response to my application?
Yes, many lenders provide Instant Loan options with quick online verification and approval.

Is it possible to obtain an EMI loan to buy more than one product at once?
Yes, a Consumer Durable Loan can finance more than one product at once.

What size television should I buy?
You should decide the screen size based on the room size, space available, and your personal preference.