Hot Tub Financing

Get financing for your new hot tub in 60 seconds with no impact to your personal credit score.
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Hot Tub Financing With Acorn Finance

Check New Loan Offers With No Impact To Your Credit Score


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Secure Hot Tub Financing Today

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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Hot Tub Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your 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 Finance Your Hot Tub?

Compare hot tub financing options without affecting your credit score.

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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.

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.

Is 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


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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