Hot Tub Loans: How Does Dealer Financing Work?

hot tub with water and a black background

If you’re under the impression that the hot tub you’ve always dreamed of is just out of reach, we’re here to tell you it isn’t! Create your own personal spa in your backyard or even inside your home when you qualify for fast, no-hassle hot tub financing. HFS Financial is here to walk you through the process and, with our easy 60-second loan application, get you the answers you need.

What Is Dealer Financing?

Dealer financing means that you can use the partnership established by a hot tub dealer with a reputable financial institution. You don’t have to go somewhere else to apply for a loan. Lending agencies are used to dealing with spa and hot tub loans. Most banks rarely (if ever) work specifically with hot tub financing

Much like car dealerships, dealer financing is offered as a convenience for the customer. HFS Financial offers financing both through dealerships as well as directly to the consumer. You have the same rates and terms whether you go directly to us or through your spa dealer.

HFS Financial matches you to the perfect loan fit based on your needs. You’ll receive your loan upfront, allowing you to pay your spa dealer and your installation contractor in full. This is great news for both your hot tub dealer and for you!

Why Finance a Hot Tub?

When you finance, you can take a huge payment and break it up into smaller, more manageable payments while paying minimal interest along the way, as these loans have no prepayment penalty. This means you get what you want now instead of waiting and struggling to save up thousands of dollars. It also means that you can get the features and model you prefer. Don’t settle for cheaper, lesser quality, and sacrifice what you really deserve. Your hot tub is an investment in your future, don’t miss out on what you deserve.

Investing in a spa can provide a multitude of benefits for both your physical and mental health, making it a worthwhile purchase. Not only does soaking in a hot tub help to alleviate stress and anxiety, but it can also aid in improving your circulation and reducing muscle tension. Additionally, spas can be a great source of entertainment for both you and your loved ones, providing a space for socializing and relaxation. 

Financing a hot tub can allow you to enjoy all of these benefits without having to pay the full cost upfront, making it a financially feasible option. With the potential for improved health and increased enjoyment, financing a hot tub is definitely worth considering.

How to Finance a Spa with HFS

One of the easiest ways to finance a spa is with HFS Financial. And if your local hot tub dealer offers financing through HFS, even better! Simply apply through your dealer and go from there. If not, no worries — you can always apply for financing for your ideal spa directly through us.

With HFS, we’ll help you find the right hot tub loan that fits your budget and gets you the spa of your dreams. Our team of expert loan consultants is always available to receive your loan application, with no hard inquiry into your credit score. After we receive your application, we will show you several different loan options and then walk you through the process of getting a hot tub loan.

Fill out our simple inquiry form today — it only takes 60 seconds to apply! And we only need minimal information to get started. With HFS, “You Dream It, We Finance It.”

Hot Tub Loans: How Does Dealer Financing Work?

HFS Financial solely operates in the home improvement lending space which means we can confidently say that we are THE HOME IMPROVEMENT LOAN EXPERTS. When you apply at HFS Financial you will get a customized loan experience tailored to ensuring you get the best personal loan to meet your home improvement loan needs.