Hot Tub Financing

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Hot Tub Financing With Acorn Finance

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Get the perfect loan for your perfect hot tub today. Whether you are looking to do a complete home remodel that just so happens to include a new hot tub, or want to finance some new outdoor patio furniture to put by your new hot tub, Acorn Finance has you covered.

No matter your credit score, if you want to secure a loan for a hot tub, Acorn Finance will get you pre-qualified loans in seconds to get one installed quickly. Easily sort all the loan offers by what matters to you: interest rate, payment amount, length of the loan term.

Never impact your credit score when comparing rates between our network of trusted partners. 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly fund your hot tub.

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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Secure a Hot Tub Loan?

Compare hot tub loans & financing options without affecting your credit score.


Best Hot Tub Loans & Financing Options

Hot tub financing can make your daydream of owning your own hot tub a reality. So what does a hot tub and installation cost? Where can you find low interest rate hot tub financing? We’ve done the research for you, keep reading to discover the answers to all of your questions.

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Can you finance a hot tub?

Yes, you can finance a hot tub and installation. Acorn Finance is a leading provider for hot tub financing for all credit types. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back.

What credit score do you need to finance a hot tub?

To qualify for zero-equity hot tub financing you should have a credit score of 640 or higher. If you do not have a credit score of 640 or better, you may still qualify for hot tub financing. Some lenders may allow you to apply with a co-applicant. If you have a spouse, family member, or friend that has better credit than you, they may be able to apply for hot tub financing with you. This can increase your chance of approval. Even if you have a credit score of 640, you may still want to apply with a co-applicant to help you secure a lower interest rate. Lenders usually have a minimum credit score requirement. Before applying with a lender you should confirm their minimum credit score requirement. If you do not meet the requirement, you should apply with a different lender. If you apply at Acorn Finance, you can skip this step. Acorn Finance has multiple lending partners that can help all credit types.

How much is it to finance a hot tub?

The actual cost of a hot tub loan can vary depending on the loan amount, interest rate, term, and lender fees. When it comes to securing a hot tub loan, you should make sure that you can afford the monthly payment. However, you should not only focus on the monthly payment. It’s important to pay attention to the total loan cost as well. Let’s say the payment is more affordable for a six year loan rather than a three year loan. But the interest rate is higher for the six year loan. If you can afford the payment for the three year loan, it may save you money in the long run. In most cases, shorter-term loans and lower interest rate loans have lower overall loan costs.

How Much Does A Brand New Hot Tub Cost?

On average, hot tubs can range from about $3,000 to $16,000 making financing an attractive option. Costs can vary significantly depending on factors including size, features, engineering, design and quality. Location can also impact the cost of a new hot tub. One model might cost more in one city compared to another city and that is normal. In order to get the most long-term enjoyment possible from your hot tub you should invest in a high quality hot tub and proper installation. Let’s compare various classifications of hot tubs and their pricing.

#1 – Entry Level Hot Tubs

On average, entry level hot tubs cost between $2,500 and $5,000. Typically, entry level hot tubs are molded rotationally and the shell and cabinet are all one piece. While their surface may be durable enough, it’s likely that it will not have a smooth or shiny appearance. Some downsides to an entry level hot tub can include few or no lights, unsophisticated design, small size, weak jets and basic controls. Most entry level hot tubs can be installed without upgrading wiring thanks to their simple plug and play design.

#2 – Value Hot Tubs

On average, value hot tubs cost between $4,000 and $8,000. While value hot tubs can have enticing features it’s important to do your research and verify performance. It’s a common trade off that value hot tubs with attractive features are lacking in performance and value hot tubs lacking attractive features may have better performance. When selecting a value hot tub, do you due diligence and ask the right questions. While they may save you money upfront, a premium or luxury hot tub may be a better long term investment.

#3 – Premium Hot Tubs

On average, premium hot tubs cost between $6,000 and $10,000. Premium hot tubs can offer owners a quality hot tub with the option to upgrade and add preferred features and long-lasting owner satisfaction. Most premium hot tubs do not come prepackaged with all the bells and whistles. However, this gives owners the option to select the features important to them while staying in budget. Typically premium hot tubs are energy efficient and equipped with water care options, high jet counts, control system options, and sophisticated exterior and comfortable interior.

#4 – Luxury Hot Tubs

On average, luxury hot tubs cost between $9,000 and $16,000+. Luxury hot tubs provide the ultimate personal wellness and are usually equipped with desirable features and extensive warranty protection. Most luxury hot tubs offer sophisticated design, low operating costs, minimal maintenance, powerful massage jets, maximum comfort, and efficiency. Warranties range from five to ten years for most luxury hot tubs.

How much does it cost a month to run a hot tub?

The monthly cost to run a hot tub can vary depending on electricity costs, the temperature the hot tub is set at, and how often the hot tub is used. However, more recent hot tub models cost about $23 per month to run on average.

How much is a hot tub monthly?

The monthly cost to run a hot tub can vary depending on electricity costs, the temperature the hot tub is set at, and how often the hot tub is used. However, more recent hot tub models cost about $23 per month to run on average.

Is financing a hot tub a good investment? Can it add value to your home?

A hot tub can increase the attractiveness of your home by adding perceived value. However, data shows that in most cases the initial cost of the hot tub exceeds the actual value it adds to your home. Many homes do not have a hot tub so adding a hot tub may help your home sell faster for a little more money than comparable homes.

Do You Need Good Credit To Finance A Hot Tub?

Acorn Finance offers hot tub financing options for all credit types, including bad credit. You can apply online without affecting your credit score. Within minutes of applying you can receive multiple competitive personalized offers for hot tub financing. Acorn Finance offers loans up to $100,000 with terms up to 12 years.

How to finance a hot tub:

Acorn Finance is a reliable and top-rated company that provides personal loans for hot tub financing. Take advantage of affordable payment options and free services while saving tons of time.

  1. Complete and submit a short loan application online
  2. Receive multiple pre-qualified offers
  3. Get connected with lenders to obtain your pre-qualified loan

Can you negotiate hot tub prices?

While you may be able to negotiate add ons or features, it may be difficult or untraditional to negotiate the actual price of the hot tub. If you are purchasing a hot tub from a small mom-and-pop type shop, they may be able to discount products. However, large retailers usually do not negotiate. You may be able to find a pop-up convention type of event for hot tubs. Events like this can be a great place to compare prices and models. In most cases, companies have to pay to attend events like this. These events create competition that can benefit the consumer. You may be able to negotiate at pop-up type convention events.

What is the best month to buy a hot tub?

Between fall and winter is one of the best times of the year to purchase a hot tub. Hot tub sales are usually slow during these months, forcing retailers to run sales and offer better deals. Spring is one of the busiest times of the year for most hot tub retailers. Most retailers have higher prices during the spring. Most homeowners can wait to purchase a hot tub since it’s a necessity – but some may be too excited to wait. The idea of having a warm and relaxing hot tub in the privacy of your own backyard is definitely something to be excited about. We recommend beginning the shopping process in late September and purchasing no later than the end of January.

What is the best hot tub for the money?

Top Ten Reviews calls Master Spas one of the best hot tub companies for people who are on a budget. Master Spas offers quality hot tubs at affordable prices. In addition, their products are made in the U.S. On the downside, Master Spas only offers a few customization options. If you are on a budget, you may not be looking for complete customization. Reviews highlight Master Spas unique standard features and desirable upgrades, especially for the price tag. While you can view Master Spas inventory online you may need to contact an authorized retailer for pricing. Customers can view spas online based on price ranges. Master Spas has a variety of hot tubs ranging from $4,000 to $15,000.

Does a hot tub increase home value?

Hot tubs are the perfect complement to just about any backyard. In most cases, hot tubs do increase the value of a home. Homeowners typically recoup about 50% of their initial investment for home improvements such as hot tubs. In fact, some homeowners stage their home with a hot tub to lure in more buyers. While most buyers should be excited about a hot tub, some may be turned off. If you have an above ground hot tub, you could remove and resell a hot tub if a potential buyer did not want it.

How long does a hot tub last?

Investing in a quality hot tub is almost as important as properly maintaining it. Whether you have a top-of-the-line or bottom-of-the-line hot tub, you’ll need to maintain it if you want it to last. Hot tubs that are properly cared for can last 20 years or more. When you purchase a new hot tub, you should ask the manufacturer what the required maintenance is. It’s a good idea to have a hot tub inspected by a professional at least once a year. In addition to the hot tub itself, hot tub equipment requires regular maintenance as well. If you neglect a hot tub it may only last a few years. If your hot tub has a factory warranty but has been neglected, manufacturers may decline warranty claims.

What to look for in buying a hot tub?

You may not know a lot about hot tubs which can make the purchase process overwhelming. With so many brands, sizes, features, and terminology – what is important to know when buying a hot tub? Before buying a hot tub you should first determine your budget, motives, and space for a hot tub. This should help you narrow down available options and make it easier to dive into the details. Most of us begin our research online, which can be informative and helpful but we can’t believe everything we read online. However, before buying a hot tub you should look at the reviews. In addition, you should read reviews for local hot tub retailers and ask for referrals. While we can learn a lot online, it’s best to consult a professional and share your needs and wants. Explain your situation and listen carefully to their recommendations. Purchasing a hot tub can be a big decision. You may end up visiting the retailer more than once before making the actual purchase. Take your time selecting the right hot tub and enjoy the process.

What is the markup on a hot tub?

In most cases, hot tubs have a markup of about 30% to 50%. While prices are usually not negotiable, retailers may offer discounts on extras or warranties. It’s important to think through extras carefully as they are a huge revenue generator for most retailers. Make sure you only purchase what you need.

How much does it cost to build an inground hot tub?

Inground hot tubs typically cost about $6,000 to $25,000. Inground hot tubs are usually more expensive upfront and long term. Most inground hot tubs require more maintenance than above-ground hot tubs. However, inground hot tubs may be more attractive and luxurious. If you have an inground pool you should match it with an inground hot tub. Whether you build an inground or above-ground hot tub, you can use financing.

Conclusion: Are hot tub loans a good idea?

In conclusion, financing a hot tub can provide personal wellness while making your home more desirable. A luxury or premium hot tub model can be a better long term investment in terms of quality, efficiency and performance. Financing your hot tub at a low interest rate and generous term can allow you to invest in a higher quality hot tub.

Is the temptation heating up? Apply online today for hot tub financing.

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