Financing Your Hot Tub
Affordable monthly payments make it easy to enjoy your dream spa today.
Easy, Affordable Financing
We've partnered with Mountain America Credit Union to offer flexible financing options for your hot tub purchase. Whether you're looking at a cozy two-person spa or a full-size swim spa, there's a payment plan that fits your budget.
The application is quick and easy — you can apply online in just a few minutes or visit us in-store and we'll walk you through it.
How It Works
- Pick your spa — Browse our models in-store or online
- Apply for financing — Quick online application through Mountain America Credit Union
- Get approved — Fast decisions so you're not left waiting
- Enjoy your hot tub — With comfortable monthly payments
Ready to Apply?
Click below to start your financing application with Mountain America Credit Union. The process is fast and secure.
Apply NowYou will be redirected to Mountain America Credit Union's secure site.
Plan the Whole Project Before You Apply
The most common financing mistake is borrowing for the spa and forgetting everything around it. Before you apply, add up the full project so your monthly payment covers it all:
- The spa itself. Prices vary by size, features and brand. Our Utah hot tub cost guide lists typical ranges, and we'll give you a current quote on the exact model.
- Electrical. Full-size spas need a dedicated 240V circuit. Plug-and-play models like Garden Spas and the Nordic ALL-IN-110V use a standard outlet. See 110V vs 240V.
- A level base. A concrete pad, compacted gravel or an engineered deck.
- Accessories. Steps, a cover lifter, or a Covana automated cover, plus your first water-care supplies.
Questions to Ask Before You Sign
Rates, terms and approval come from Mountain America Credit Union, not from us. When you apply, it's worth asking:
- What is the APR, and is it fixed for the whole loan?
- How long is the term, and what is the monthly payment on the exact amount I'm borrowing?
- Is there any penalty for paying the loan off early?
- Can the loan cover accessories or installation work, or only the spa?
Compare the total you'll pay over the life of the loan, not just the monthly payment. A longer term lowers the payment but usually raises the total cost.
Why Buy Local in Midvale
Financing a spa from a family-owned local dealer means the people who sold it to you are the people who deliver it, set it up, and service it afterward. We repair every brand, stock parts and chemicals in the showroom, and test water samples for free. Come see the models in person at 6905 S State St, Suite A, Monday through Saturday from 10 AM to 5 PM, or request a quote first so you know what to apply for.
Financing FAQs
Who provides hot tub financing at Soakers?
Financing is through Mountain America Credit Union. You can apply online with the Apply Now button on this page, or in our Midvale showroom where we'll walk you through it.
What interest rate and term will I get?
Rates, terms and approval are set by Mountain America Credit Union based on your application, so we don't quote them here. Ask the credit union for the rate, the term length and the monthly payment on the exact amount you plan to borrow.
Can I finance a swim spa as well as a hot tub?
Yes. Financing is available whether you're looking at a cozy two-person spa or a full-size swim spa.
How do I figure out how much to finance?
Start with the full project cost: the spa, any electrical work, a pad or base, delivery, steps and a cover. Our Utah hot tub cost guide lists typical ranges for each item so nothing surprises you.
Have Questions About Financing?
Give us a call or stop by the store — we're happy to help you find the right plan.