Financing: Pay Over Time
Financing & Pay-Over-Time Options
A home sauna or cold plunge is an investment, so we make it easier to spread the cost. At checkout you can choose to pay over time with Shop Pay Installments, breaking your purchase into manageable monthly payments instead of paying all at once.
How it works
- Add your sauna or cold plunge to the cart and head to checkout.
- Select the pay-over-time option.
- Choose your plan and complete a quick application, approval is typically instant.
- Make your first payment and we ship your order.
Good to know
Rates, terms, and eligibility are set by the financing provider and depend on your application.
On HSA and FSA funds: saunas and cold plunges are not automatically eligible. Some plans may allow reimbursement where a licensed provider issues a Letter of Medical Necessity, but this is determined by your plan administrator, not by us. Confirm with your plan before purchasing on the assumption it will be covered — see our HSA/FSA page for details.
Questions about which option fits? Contact us.