Hot Tub & Swim Spa Financing — Up to $100,000 OAC
Own the spa you want. Monthly payments through Financeit, Canada's leading home-improvement lender.
Current promo: 0% interest for 6-12 months. Ask about current promotions.
What's offered
- Amounts from $1,000 to $100,000
- Terms from 6 to 300 months (up to 25 years)
- No down payment required
- Current promo: 0% for 6 months, then 12.99% APR on 25-year amortization
- Approval subject to credit review
Sample monthly payments
Illustrative only — calculated at 12.99% APR (standard post-promo rate). Your actual rate depends on term, amount, and credit profile.
| Spa price | Term | Estimated monthly |
|---|---|---|
| $15,000 | 60 months (5 years) | ~$341 |
| $25,000 | 180 months (15 years) | ~$316 |
| $40,000 | 300 months (25 years) | ~$451 |
Who qualifies
- Canadian residents, 18+
- Soft credit check at pre-qualification — no impact on your credit score
- Hard credit check only on formal application
- Income verification may be required
Apply now
Prefer to see your spa first?
Visit one of our Ontario showrooms in Kitchener, London, or Windsor. Dedicated showroom pages are coming soon — in the meantime, call +1-226-240-0114 to arrange a visit.
Financing FAQ
How fast is approval?
Most applicants get a decision within minutes. Full loan funding usually closes within 1–2 business days.
Does applying hurt my credit?
The initial pre-qualification is a soft check with no impact on your credit score. A hard inquiry only happens if you proceed with a full application.
What rates should I expect?
Our most popular promo is 0% for the first 6 months, then 12.99% APR on a 25-year amortization. Other rates and terms are available depending on loan amount and credit profile. Financeit shows you exact terms before you sign.
Can I pay off early?
Yes. Most Financeit plans allow prepayment without penalty. Confirm at application.
Can I combine financing with in-store promotions?
In many cases, yes. Ask the showroom team — some promotions stack, others don't.
What if I'm declined?
Financeit will share the reason. You may be able to re-apply with a co-signer or after addressing the flag.
Do you finance parts and accessories?
The $100K line is primarily for full spa purchases and major install packages. Parts orders go through standard checkout.
Who holds the loan?
Financeit. Arctic Spas Ontario delivers the spa; Financeit handles your payments.