Hot Tub Financing

Tips for Choosing the Right Financing Plan

Selecting the best financing option for your budget doesn’t have to be complicated, but a little strategy goes a long way. Here’s how to set yourself up for success:

• Compare Interest Rates: Lenders like Wells Fargo and Affirm offer a range of options, so take the time to compare interest rates and terms. Even a small difference in APR can mean big savings over time.
• Check for Special Offers: Look out for promotional financing—things like zero percent interest for a limited period, which can help keep initial costs low if you pay off the balance quickly.
• Understand Eligibility and Requirements: Some financing plans may require a down payment or be available only to residents of certain states. Review eligibility criteria before applying to avoid surprises.
• Read the Fine Print: Be sure to note restrictions, late payment fees, or any conditions that might affect your monthly payments.
• Budget Smartly: Before you commit, calculate your monthly payment and make sure it comfortably fits within your financial plans.

With a little research, you’ll be soaking in your new hot tub—and staying within budget—before you know it.

How to Secure Hassle-Free Spa and Hot Tub Financing

Getting stress-free financing for your new spa or hot tub is easier than you might think. Start by exploring local dealers who partner with established financial institutions like Wells Fargo, as this ensures your information remains protected. Seek out locations that offer online, pre-approved applications—these can save you time and provide clear details about available rates and terms before you commit.

A few tips to simplify your financing experience:

• Compare interest rates and loan terms across lenders to get the most competitive deal.
• Ask about special promotions, such as zero percent introductory rates or deferred payments.
• Read the fine print so you know exactly what your monthly payment, down payment (if any), and total cost will be.

Choosing a dealer with transparent, straightforward financing options removes unnecessary stress, so you can focus on enjoying your new hot tub instead of getting bogged down in paperwork.

Should You Finance or Pay Upfront? Key Considerations

When weighing whether to finance your hot tub or pay the full amount upfront, a few important factors come into play:

• Cash Flow & Savings: If paying in one go would drain your savings account or disrupt your regular budget, financing may help. Monthly payments can make ownership accessible without stretching your finances thin.
• Interest and Additional Costs: Financing often means added interest charges, which could significantly increase your total cost—something to keep in mind if you’re evaluating offers from providers like Wells Fargo.
• Negotiation Opportunities: Paying upfront sometimes gives you an upper hand for discounts or special upgrades, as dealers often appreciate quick, uncomplicated sales.
• Long-Term Financial Goals: Consider your broader plans. If you have other major expenses coming up or want to keep your credit utilization low, upfront payment might be more prudent.
• Promotional Financing: Some companies run zero-percent or low-interest promotions for a set period—just watch for fees or higher rates kicking in later.

Thinking through these elements can help you make a choice that matches your current needs while keeping future plans on track.

The Perks of Financing Instead of Paying Upfront

Opting to finance your hot tub or swim spa comes with several advantages. First, you get to enjoy your backyard upgrade sooner—no need to wait months or years to save the full amount. With manageable monthly payments, your dream of after-work soaks or weekend swim sessions can become reality right away.

Financing also helps you keep your savings intact for life’s unexpected twists (think: flat tires or surprise dance recitals). Spreading out payments gives your budget breathing room and often makes it possible to choose a model with extra features or upgrades you might not consider otherwise.

Plus, many lenders—like Wells Fargo—offer competitive rates and simple application processes, taking the stress out of large purchases. In short, financing lets you enjoy the luxury and wellness perks of a hot tub or swim spa now, without financial strain or compromise.

Personalized Guidance for Your Purchase

Need a hand deciding which hot tub or swim spa fits your lifestyle—or want help navigating financing? Our support team is here for you every step of the way.

Whether you're seeking a relaxing retreat or an aquatic fitness space, you can connect with knowledgeable representatives who will walk you through model features, installation options, and payment plans tailored to your budget.

Personalized assistance is just a phone call or email away. Get expert advice on selecting the right spa and uncover financing solutions from reputable partners like Wells Fargo and Affirm. From exploring special terms to understanding application requirements, they'll make sure you have the information you need for a confident purchase decision.

How to Explore Your Hot Tub or Swim Spa Options

Whether you prefer to shop from the comfort of home or want a hands-on experience, exploring your next hot tub or swim spa is designed to fit your needs.

• In-Store Experience: Visit a local showroom to see models up close, get a feel for the features, and ask questions face-to-face. Knowledgeable staff members are ready to guide you through different spa options, let you compare specifications, and discuss which models might be the best fit for your space and preferences. It’s also a great opportunity to talk through financing choices and even see if there are any special offers available.
• Online Convenience: Prefer browsing online? You can explore detailed product pages that highlight all the essential specs, pricing, and available features. Virtual support is often available via chat or phone, letting you get your questions answered without leaving your living room. When you’re ready, simply select your favorite model and proceed directly to the secure application or checkout.

Whether you choose to visit in person or shop online, you’ll have flexibility in how you discover and select your ideal hot tub or swim spa, as well as help along the way to match your goals, style, and budget.

Third-Party Brands Eligible for Financing

Looking to finance a hot tub or swim spa from a trusted third-party brand? You’ll find a diverse range of options from industry leaders such as Jacuzzi. These manufacturers offer models eligible for financing, so you can select the perfect hot tub or swim spa for your space—and enjoy the added flexibility of manageable payments.

With approved credit, these third-party brands help make relaxation that much more accessible, so you can elevate your home with ease.

The online application is secure and always available twenty-four hours a day, seven days a week.

Wells Fargo Financing is only available for U.S. Residents. A secure process ensures the privacy of your information.

To get started, simply complete the online form to apply for financing and receive a quick credit decision. The application process is straightforward, allowing you to check your eligibility and move forward with confidence—anytime it fits your schedule.

Financing available with approved credit.

Looking to bring home a hot tub or swim spa without breaking the bank? We offer a range of flexible financing options to help make your purchase more affordable. Choose from 100% in-house financing or select from several trusted third-party lenders like Wells Fargo. Programs are available for all credit types—including good credit, bad credit, and even no credit—so you can relax and enjoy your new spa with minimal hassle. Simply complete our quick application to get started and receive a prompt credit decision.

Plans shown represent offers to apply at checkout and do not guarantee you will be approved. Rates from 0-30% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping.

Flexible Monthly Payment Plans

With Affirm, you can choose from affordable monthly payment plans designed to fit a variety of budgets—making it easier to bring home the comfort and relaxation you want, without the financial stress. Our financing options are flexible, convenient, and easy to manage. To find a plan that works for you, simply submit your application online at checkout. If you have questions or need assistance, our team is here to help you explore options that meet your needs.