How Much is the Monthly Payment to Finance a Hot Tub or Swim Spa?

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

Hot tubs range in price from $3,000 to $16,000, depending on many factors, including size, features and your location.

Swim spas come with a price tag anywhere from $12,000 to $30,000, depending again on many factors, including size, features and your location.

After we help you choose the model and features that will best meet your needs, you can pay cash for the purchase or finance the amount to an affordable monthly payment that fits into your budget.

The chart below shows you financing for a few different price points to see how the monthly payments pan out.

These are estimated payment amounts based on an Annual Percentage Rate (APR) of 13% and the loan amounts and terms listed above. Your actual payment amount, interest rate, APR, term and fees will vary depending on, among other things, the lender, your credit worthiness, the loan type and the loan amount. 

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