We have all the answers about Hot Tub Financing!

This is good because a lot of people have questions about financing a hot tub.

You have a few different options when it comes to financing your new hot tub.

Home equity loans, personal loans, and dealer financing are all popular methods of paying for a hot tub.

Finally, we will tell you about our in-house financing at Aqua Living Factory Outlets and how we can get more people approved with lower payments no matter what your credit score is!

Hot tub financing questions and answers

Hot Tub Financing Options

Home equity loans

These are an option if you have equity in your home.

Depending on how much equity you have in your home, you can borrow a large sum of money.

The downside is that if you default on the loan, you could lose your home?

Low interest rate
Predictable payments
Use the money however you’d like
Deductible interest

Home is collateral
Closing costs
Must have equity
Need good credit

Personal Loans Through Banks

Personal loans are another option for financing a hot tub.

A personal loan is an installment loan.

The interest rates can be higher than with home equity loans.

You apply for the loans through a bank.

If approved, you can get a large sum of money all at once.

Your interest rates are fixed and will not change throughout the course of your loan.

This can be beneficial for sticking to a budget.

Fixed interest rate

It is harder to get with bad credit
Can have penalties or fees

Aqua Living In-House Financing

Our in-house financing at Aqua Living Factory Outlets can get more people approved with lower payments.

We offer a variety of financing options, and we work with all credit types.

With nearly a 100% approval rate, you have the best chance of getting the hot tub you’ve always wanted and the rest and recuperation you need.

Best of all, your payments are affordable!

We think everyone should be able to afford the benefits having a personal hot tub can offer, and we work hard to make that possible.

Bad credit, no problem
Quick approval times
Affordable payments
Simple process
Good interest rates
Promotional pricing

Great Hot Tub to Finance

Overhead image of the 2021 Catalina Berkshire Hot Tub

The Catalina Berkshire is one of our tubs from our premier Catalina Luxury Series.

This tub is a true blend of art and science.

If you’re looking for a luxury spa experience in your backyard, this is the spa for you.

The Berkshire will give you a relaxing backyard oasis that you’ll love.

This stunning hot tub features digital controls for ease of use, a Balboa WaveTEC 254 UV sanitizer for reduced chemical usage, and a Clear View H-100 ozone sanitation system to really make sure your water is clean and clear.

Additionally, the Berkshire comes equipped with LED backlit magnetic pillows, SynthaWood™ skirting for lasting beauty, and an Eternitree™ Forever Frame for ultimate durability.

The Catalina Berkshire Hot Tub includes a circulation pump for efficient heating, which helps keep your energy bill down!

This spa is a sight to behold with its 3 LED Water Fountains, 2 LED Floating Crystal Balls, LED Backlit Water Spouts, and Cascading Spillway.

You’ll also find its Custom Crystal LED Backlit Jets, LED Backlit Cup Holder, and LED Backlit Controls mesmerizing.

The Berkshire has 57 stainless, lit jets powered by two powerful pumps to massage away even the toughest of days.

If you want luxury, you want the Berkshire.


These are some of the ways you can finance your hot tub.

Let’s face it, most people don’t have the money to purchase bigger ticket items outright, and that’s okay!

There are plenty of ways you can responsibly get the hot tub you want or need.

Here at Aqua Living, our in-house finance team works hard to make sure our customers can turn their hot tub dreams into reality.

We’d love to help you!

Give us a call at 423-349-2900 or fill out a finance application here.