What’s the Monthly Payment if I Finance a Hot Tub?

A hot tub is a significant investment in your health, wellness and quality of life. The benefits of a hot tub don’t come free, of course, but it’s entirely possible to enjoy a spa of your own for a very realistic financial commitment.

A high quality hot tub comes with a price tag anywhere from $3,000 to $16,000, depending on many factors, including size, features and your location.

After you choose the model and features that will best meet your needs, you can pay cash up front for the purchase or finance the amount to an affordable monthly payment that fits into your budget. Below, we’ll look at financing for a few different price points to see how the monthly payments pan out.

Typical monthly payment for a hot tub

The monthly payment depends on the interest rate and length of payment terms. If you are able to take advantage of a zero percent financing promotion, the monthly payment is the price of the spa divided by the number of months financed, typically ranging from 36 to 60 months. That makes a top-of-the-line spa extremely affordable.

Monthly payment for a zero percent financing promotion for 40 months:

$5,000 spa = $125 per month for 40 months

$7,000 spa = $175 per month for 40 months

$10,000 spa = $250 per month for 40 months

Sample monthly payments at a 10% interest rate for 40 months:

$5,000 spa at 10% APR = $148 per month for 40 months

$7,000 spa at 10% APR = $207 per month for 40 months

$10,000 spa at 10% APR = $295 per month for 40 months

When there is no zero percent promotion to take advantage of, the monthly payment is higher. Your interest rate depends on your own personal credit. For the best way to know what financing is available to you, we recommend that you contact your dealer or complete our quick and secure financing form and your local, authorized Hot Spring dealer will contact you directly.

When the interest rate is low, notice how much more spa you can afford for the same monthly payment. If you can get in on a zero percent or low interest rate offer, you will save at least hundreds of dollars over the life of the loan. Low cost hot tub financing opens the door for you to upgrade to a bigger spa or nicer features at the monthly payment that works for your budget.